vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 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: KY

Complaint narrative:
Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: KY

Complaint narrative:
Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.

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 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experian today telling them I had not authorized several inquiries and they told me they couldn't do anything about it.

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 2019-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I experienced an issue with my car smelling of mold and mildew dating back to XX/XX/2019. It was determined that there was a water leak by the XXXX peddle, which cause water to come in the car. It cause mold and mildew to grow within the vehicle. My car has continued to have a horrible odor, which has caused me to have headaches and other medical issues. Nissan has still yet to correct the problem with the vehicle or allow me out of lease with the down payment back. They continue to lack communicate and fail to answer any communication. They still continue to drag the process out with no end in sight. I'm looking for assistance with my options due to a manufacture defect that the car had from when I leased the vehicle. There are three other cars at the baron Nissan Dealer with the same leak issue as my car. They are refusing to speed up the process or provide me with a permeant solution to the issue. They have attempted to fix the issue over four times. The vehicle is now having current electrical issue with the starter and doors. The vehicle wont unlock or start with the keyless entry. its not detecting the key fob.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
On XX/XX/2017 I cancelled my gym membership with XXXX XXXX. Cancellation confirmation was provided in writing by XXXX and a copy was provided to ABC Financial.  Attached with this complaint for your records and investigation into ABC Financial is a XXXX dated email and confirmation of cancellation letter confirming the gym membership was cancelled. Despite the fact that this cancellation was confirmed, ABC financial contacted me by telephone and harassed me with collections notices demanding payment for a cancelled and confirmed gym membership. ABC Financial called me repeatedly and did not stop calling after I advised them to stop. ABC Financial attempted to collect debts that were not owed and threatened to take actions that can not legally be taken. In addition, ABC Financial failed to send a notice summarizing debt within 5 days of my written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: CA

Complaint narrative:
XX/XX/2019 I disputed 2 accounts that were on my credit report. 

I asked for method of verification on how they they verified the accounts. All I got back was a letter saying that the accounts had been verified and they were staying on my credit report.

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 2019-09-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc., Collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-09-11 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: CA

Complaint narrative:
XX/XX/2019 I disputed 2 accounts that were on my credit report. 

I asked for method of verification on how they they verified the accounts. All I got back was a letter saying that the accounts had been verified and they were staying on my credit report.

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 2019-09-11 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: CA

Complaint narrative:
XX/XX/2019 I disputed 2 accounts that were on my credit report. 

I asked for method of verification on how they they verified the accounts. All I got back was a letter saying that the accounts had been verified and they were staying on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID

Complaint narrative:
I filed a complaint against select portfolio servicing case # XXXX. My loan # is XXXX. What I am looking for is not a trustees deed. It is clear that it is a fraudulent. What I am looking for is the change in trustee documents. That should have been sent from XXXX XXXXXXXX XXXX to XXXX XXXX to make him trustee and sent to me letting me know of the change in trustee. XXXX XXXX XXXX says they never did the transfer of trustee because they were never trusttee. They open a file but it time d out because they never received the documents in the time limit set out by IRS. This says there was never a mortgage created. I know that was no Notary nor would I sign my name as XXXX XXXX. That is not what is On my divers license. So that means the documents are fraudulent. How these banks got these documents I have no idea. if they had a problem it was with XXXX  not me. Please provide me with a certified copy so I can verify it with XXXX. As XXXX   XXXX XXXX says they never issued the conveyance any of a transfer of trustee.This why I have no liens on my property. XXXX XXXX has committed fraud along with sps, XXXX and many others. Your Trustee Deed is a fraudulent. These people did a fraudulent foreclosure they wrote a fake writ to have remove from my property an all my property stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, Im writing this complaint regarding an inquiry I have displayed on my Transunion credit report since XXXX, XXXX 2019. The inquiry is listed as XXXX, XXXX, XXXX XXXX XXXX. I have contacted the company and was informed that they have no such record of me in there system. The company XXXX, XXXX, XXXX XXXX XXXX, has made me aware that this is an issues with TransUnion. I have contacted TransUnions dispute phone number and have been told they can not do anything else I send in a deletion letter from XXXX, XXXX, XXXX XXXX XXXX, the company can not write a deletion letter as they have no record of me in their system and are not sure why this is on my report.

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 2019-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am currently a college student. I was contacted by someone through my email and was offered some sort a research opportunity that dealt with finances and sorts. Because of that, they sent me a check and I deposited the check thinking that check was real. After the money showing up in my account, I believed that I had that money in my account. After the person who sent me that check, asked me as one of my responsibility to send money to someone. And since that money showed up on my account, I did as they instructed to send through zelle. But turns out, the check was not real and in the end was scammed and lost XXXX. I send money to them thinking that since the money showed up in my bank account everything was okay. However, later I realized the check was fake. I went to XXXX XXXX XXXX as soon as I could thinking that because it only happened a day ago they could do something. However since zelle is a quick payment, they told me there wasnt much they could do. I believe zelle should protect their customers better and if someone wrongfully sends money, they should be a way to help them with their problems. Now my bank account is empty and I can do nothing but wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I originated a loan with Quicken Loans in the spring of 2014. At that time I elected to pay my own taxes and insurance and for go a ESCROW account. Last year, I paid my property taxes one business day before it was due to the City of XXXX. I was assessed a late few. I called the City and gave them the transaction number and the operator told me it would be removed. I never received any further correspondence from XXXX City. I called in and they confirmed that the late fee removal is being handled under confirmation number XXXX. 

I received a notification from Quicken Loans regarding a shortage in my escrow account, which doesn't existing as I have never held. I explained to the operator the situation and that I would be paying my taxes on time as I did since 2014. I then paid my property taxes online. I later learned that Quicken Loans just went ahead and paid my property taxes for me with my approval, which resulted in a double payment. Additionally, according to the " Resolution Advocate '' at Quicken, they use a 3rd party name XXXX to track this payment. I did not authorize this and was never made aware of it until today. 

I was notified that my mortgage would go up {$710.00} ( see statement ) because of this issue. I simply cant afford my mortgage nearly doubling to no fault of my own. Additionally, {$710.00} per month is significantly higher than required to pay my property taxes ( see  attached ) .I have discontinued the autodrafting on my account until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: UT

Complaint narrative:
In XXXX and XXXX I and my daughters took out Parent Plus loans through NAVIENT for their college education. Daughter XXXX XXXX took out a {$20000.00} loan and daughter XXXX took out a {$23000.00} and a {$21000.00} loan. 

Since we were having trouble paying the monthly amount originated with the loans I called NAVIENT for an alternative payment plan. 

Now after eight years of payments, of {$3700.00} on time we owe {$67000.00} in principal which is several thousand more than we originally borrowed. Whats more I'll be paying $ XXXX monthly on these loans for the next 20 years -- until I'm XXXX years old. 

It feels like a total scam and ripoff. I can't believe this unscrupulous company would do this to college parents and their children who are trying to get ahead but will be dragging anchor for another two decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I show a debt from Credit Collection Services out of XXXX, MA that I disputed nearly a year ago. Collector does not show verification that I owe the debt. I have disputed it and came off one off my credit files but not all three.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Multiple collection companies harassed me via phone calls and letters attempting to collect a debt that had been settled in the past. The debt had been settled for the amount of {$360.00} ( settled with XXXX XXXX XXXX on behalf of the original owners of the debt ) on XX/XX/XXXX. 
I informed the collections agencies on multiple occasions that debt had been paid but they would not stop trying to contact me over the same matter. 

After settling the debt, I was contacted by XXXX XXXX, which prompted me to meet with an attorney. 
My attorney 's office sent out a certified letter to the collection company on XX/XX/XXXX with the following documents : 1 ) Proof that debt had been settled already.

2 ) A letter asking the collection company to provide written verification that the information had been removed within 30 days and that all collections efforts have ceased on their end ; the same letter included a request that they not contact me again Then a letter was sent to me on XX/XX/XXXX by Dynamic Recovery Solutions, and they began to harass me again with phone calls. 
The letter was demanding payment for the same debt ( stating that the current balance was {$240.00} ). 

My attorney 's office once again sent out a letter via certified mail on XX/XX/XXXX to inform them to cease and desist further efforts to collect the settled debt. 

Another letter was sent to me on XX/XX/XXXX from the same collections agency ( Dynamic Recovery Solutions ), requesting payment for the settled debt. This time they offered multiple payment options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I sent Experian a notice letting them know the name on my credit file shows XXXX XXXX and its incorrect. I sent them a letter over a month ago my name hasnt 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 2019-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
I called the loan company ( LoanatLast ) ( XX/XX/2019 ) because I had two payments ( {$98.00} ) each taken out of my account within two weeks. After asking a few questions I was informed that I am paying interest 675 % per day on the initial load of {$750.00}. This amounted to approximately {$95.00} of interest per day. I ask for the payoff and it was XXXX as of today. I did pay it off over the phone. My complaint is that no place in the contract does it state that interest was charged by the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. THOSE INQUIRIES WERE NOT AUTHURIZED BY ME, PLEASE CONDUCT A REINVESTIGATION AND HAVE THOSE INQUIRIES REMOVED.

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 2019-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
Everything started towards the last week of XX/XX/2019. I was stuck on a flood and my vehicle was totaled. My auto insurance company XXXX ran a title check and came to find out the bank in which we been paying the vehicle for 2 years didnt have the title it was under a different bank. A brand new vehicle we financed with M & T bank and the tittle was under XXXX XXXX. Long story short it has now been 2 months since XXXX has not manage to pay the loan since every time they call, I call they said its XXXX XXXX fault for sending them the tittle I have been calling this bank every week for the past 2 months to get this resolved. I have now tuck paying two loan because of their mistake. Every time I call I get a different answer. Im glad all the calls are recorded ... I have tried reaching out beyond the call center with no success.

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 2019-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
Coinbase locked me out of my account and after over 100 attempts to contact them via telephone and multiple online support efforts, my cryptocurrency wallet is inaccessible and I have exhausted all efforts to resolve this issue. I'm willing to provide a passport, bank account information, a driver 's license, or travel to their XXXX  headquarters to resolve this matter! Many of thousands of my dollars were placed in the hands of Coinbase, supposedly the most secure and safe wallet in the industry. I feel violated and I'm devastated! This is THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Motor Credit Corporation has had a delinquency indicator on my report since XX/XX/2014. I have a XXXX balance. What happened was I paid my vehicle off earlier. I called in for the pay off amount. I made the payment they provided to me. A month later they send me a payment but I naturally thought it was paid off. Come to find out later, they were sending me a bill for finance charges still unpaid for the last month of my loan. I tried to dispute the late charges and they refused. I was late due to the dispute that is why it went 90 days. They were unwilling to work with me on this issue. Five years later it is still on my credit report. I wrote letters to them including Toyota CEO.

Company response to consumer: Closed with explanation