vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GFS II, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX. I financed this vehicle with Gateway Financial services. In XX/XX/XXXX I begin to experience issues with the car. I immediately took it back to the dealership where I purchased it from for service. They fixed whatever the issue was with the car. I continued to make the payments on the car for several months. In XX/XX/XXXX the car began to overheat and leak oil from the engine. I took the car back to the dealership again. They temporarily fixed the problem. I then continued to drive the car and make payments. In XX/XX/XXXX the engine block began to knock which is a direct indication that the engine is about to go out. In XX/XX/XXXX the engine on this car went out. I took the car to the dealership to see what it would cost for a new engine and they told me {$3500.00}. At that the time the car wasn't even worth that amount so I knew I wasn't going to pay that for a new engine. However I continued to make payments on this car until XX/XX/XXXX. I then was able to purchase a new vehicle. It was at this point I stopped making payments on the account and informed gateway that I wanted to do a voluntary repossession because the cars engine went out. My reasoning for filing this complaint is simply because I believe that I was intentionally sold a lemon vehicle. Within a month of me having the car the engine started to fail. I explained the lemon laws to Gateway Financial and they basically told me that it didn't matter that I was sold a lemon. I still owed them XXXX XXXX They have went as far as calling my job and calling my family an friends to collect on a vehicle that was a piece of XXXX to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXX, I go to the XXXX of Massachusetts. They inform me that there's no print out date for the title. Therefore they cant print out my title. They said something happened that that I should call my bank. 

I called Bank of America that day. They informed me that the title request got kicked back from the XXXX. They didn't know why it got kicked back. I asked Bank of America when were they going to inform me about this? They had no answer. 

I called again on the XX/XX/XXXX. and spoke to a supervisor ( XXXX ) who said that he contacted the department who deals with sending titles to the XXXX. He told me that they sent an Email at his request to the XXXX asking why it got kicked back. 

I am writing to you today two weeks ago I started this process and today they finally decided to investigate this matter because I brought it up. I know Bank of America is miss handling this account and they are showing that they don't care based on the time line of events and lack of movement in this case. Why is it that I, the consumer has done everything right, paid my loan on time for the past two years. finally paying it off to the tune of XXXX XXXX dollars, to wait two weeks to hear that they didn't even simply send off an email to the state to ask why my title is being held up. i think its just disgusting. The more pressing matter is that, I finally have a buyer ready to purchase this trailer which i have been actively trying to sell for some time now. I finally get a buyer and Bank of America is not doing a diligent enough job on providing me with my paid off title. I had to contact them to hear that the XXXX kicked back the information that they submitted. I don't know what going on but the XXXX is pointing fingers at BOA and BOA is pointing fingers at the XXXX. Please help.

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 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA/HIPAA VIOLATION INACCURATE COLLECTION ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
In XX/XX/2017, we were devastated by Hurricane Harvey and forced out of our homes. In XX/XX/2017, our mortgage company offered us a 3 month payment relief and told us at the end of the 3 months, we can either pay the balance in full or receive disaster modification. We accepted their offer as it was much appreciated during this time. We contacted the mortgage company several times trying to understand the program but no one we spoke to had accurate information. We started to receive foreclosure letters and collection calls and we were very confused. We were then told we would be placed on a " trial '' modification and to pay a certain amount for 3 months and after the 3 months, we would be modified for the 3 months that were forbearance. Our credit reporting has been impacted and showing 6 months of late payments, something we were told wouldnt happen. We are STILL awaiting this so called disaster modification we have been promised for MONTHS! We have done everything they have asked of us but we are not getting any true help. Its been one lie after another and their " attempt '' to help us has become the worst nightmare ever. As first time homeowners, this experience has not helped us at all! We wouldve preferred to struggle to pay the mortgage along with temporary rent elsewhere versus dealing with this continuous battle of unprofessional and inaccurate information from the lender. I want our account fixed. We were also told we have an escrow overage that will not be released until we get our account out of default. Theyve been dragging their feet and wont fix this account in order for everything to go back to normal. We cant make payments over the internet because our account is all screwed up. They didnt tell us when they offered the disaster assistance that everything would end up screwed and confusing. The collection calls, the threatening letters, the continuous lies and negative credit reporting should be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-11 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: VA

Complaint narrative:
I called Experian an told them There are in incorrect inquiries on my credit report And that it need to be taken off my report an they said it can't be fix Incorrect inquiries listed XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXrXX/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 2018-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
To Whom it May Cincern, I have been struggling to make payments to XXXX XXXX for the past two years ( since XX/XX/2016 ). Ultimately, I had no choice but to utilize all 12 months offered in forebearance ( broken up into 3 or 1 month increments ), just to stay afloat. I am not trying to escape my responsibilites as a borrower. I am well aware of the amount owed on my loans and I am more than willing to make payments in an effort to reduce my stuudent loan debt. However, I went from making $ 80- {$90.00} payments on my student loans, to exhausting all of my financial resources to come up with almost {$900.00} a month in payments to XXXX XXXX . I have spoken to plethora of representatives ( XXXX, XXXX, XXXX to name a few ), from both the customer service and the collections department at XXXX XXXX, and most of the time, my conversations with them are not pleasant. I have received mixed responses from the call reprsentatives on how to pay my loans and what " programs '' I qualify for, yet I am still unable to lower my payments. As a result, I became delinquent on other debt responsibilities including my federal student loans because my income does not correlate with the amount of money that I have coming out. XXXX XXXX, is honestly one of the worst private student loan companies out there. They are insensitive to the isssues and concerns of their clients and are extremely unprofessional. In my conversation today with representative XXXX, I was told that I knew what I was getting into when I borrowed XXXX in student loans, and that there was nothing that could be done to lower my payments besides automatic debit, or waiting until I'm delinquent in 5 days to receive a call from collections. I am honestly confused as to why XXXX XXXX ( who has ties with the Dept. of Education ), would not want to help their customers avoid missing a payment in and " try '' to actucaully help reduce the amount of debt owed to their company. Their lack of regard for their customers, honesty, and integrity is astounding. I am seriously considering taking legal action against the company just to lower my payments which is unfortunate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gatestone & Co. International Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX XXXX  about the debt in question. I let them know I was going through financial hardship and wanted to setup a payment plan. I was told about the details of the payment plan and the amount necessary to begin it. I did not have the full amount of money available at that time, and told them I would contact them no later thanXX/XX/XXXX to setup the payment. They told me that was fine and that the looked forward to hearing back from me.

Next, I received a phone call on MondayXX/XX/XXXX from XXXX  who said she was representing gatestone at XXXX  telling me that she was contacting me about a debt and to call her back at ext. XXXX. On WednesdayXX/XX/XXXX my brother called me informing me that someone from gatestone called him about me. I did not have time within those 48 hours to contact them back and did so today.

I asked to speak directly to XXXX  who spoke to me originally and was told she was unavailable. At that point, I asked to speak to a supervisor and XXXX XXXX ( sp ) came on the phone. I informed XXXX about my contact with XXXX XXXX regarding the payment plan to which he told me that was past the due date. Additionally, I requested that gatestone no longer contact family members about this debt since they had my direct contact information. He asked for the phone number I wanted not to be called to which I did not want to disclose. At that point, he asked for the number best to reach me while cutting me off on the phone. When I requested that he be respectful to me as I was to him, his response was to tell me to call them back when I'd like to speak about the debt. I did not have time to give him my phone number as he continued to cut me off. At this point in time, I asked to speak to his manager. He forwarded me to someone's voicemail.

Additionally, I asked for him to send me a validation of the debt in writing. He did not acknowledge this request.I do not know if this debt is valid and could not get them to agree to cease contacting family members when they had valid contact information for me.

I do have a recording of this conversation and let XXXX know before starting the conversation that he was being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Contacted by phone regarding a debt I have no idea about. When asked to send verification of the debt company refused and stated they would send a receipt of payment after I paid {$450.00}. Threatened to sue and take me to court and stated I would then owe {$1500.00}. Threatened to contact my employer. Any attempt for me to get verification of debt they refused. Refused to give me their address to any contact information or verify a debt. 

They refused to give physical address. Only email : XXXX Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Our payment forXX/XX/XXXX was not paid inXX/XX/XXXX However, in XX/XX/XXXX we paid bothXX/XX/XXXX and XX/XX/XXXX payments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXX and it was paid on XX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX I pulled a credit report with all 3 Reporting Agencies and GM Financial has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX. I called GM to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to GM Financial chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data forXX/XX/XXXXand late forXX/XX/XXXX for our GM Financial account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXX to be 30 days late. We have been current on our loan sinceXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Roundpoint Mortgage will not remove PMI even though my LTV is below 78 %

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have call transUnion and told Them That XXXX XXXX XXXX XXXX  shouldn't be showing on my inquiry onXX/XX/XXXXbecause I haven't apply for no service with XXXX XXXX an they told me that they can't remove. An I don't have no cell phone service with XXXX I have XXXX XXXX XXXX  service This is what is listed on my inquiry : XXXX XXXX XXXX XXXX -TransUnion XXXX-TransUnion XXXX   inquiries listed incorrectly doesn't belongs to me XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXXPriority XXXX   XX/XX/XXXX XXXX  incorrect inquiries don't belongs to me XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 2018-04-11 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:
I want to add my voice to the chorus of outrage about Experian, a company who says its dedicated to making your life better. On XXXX XXXX XXXX I applied for a credit report in order to qualify as a co-signer on a loan. It was my understanding from the financial services company XXXX  that it would cost {$1.00} to get the report. I applied for the report online via a link that was provided to me in an email from XXXX. I clicked the link, filled out application form, and received the report. Two months later while reviewing my credit card statements for XX/XX/XXXXand XX/XX/XXXX I noticed charges for {$29.00} from Experian. It took me a while to figure out that Experian had signed me up for a membership of some kind. Tried calling membership cancellation and was on hold for more than an hour. Tried calling every number I could find to talk to a real person at Experian with no luck. Finally I selected Technical support from their automated call system and a nice young man named XXXX cancelled my membership and explained that he was able to refund only one of the charges. This company who says that they want to protect consumers against credit fraud -- needs to examine and revise their business practices. If this is the way they choose to generate revenue, they are at the very least deserving of the kind of reputation of companies like XXXX XXXX for their shoddy and corrupt business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
This company name XXXX XXXXXX/XX/XXXX took money out my account, after I close my account XX/XX/XXXX, I have repeatedly called this company, and this company keeps on giving me dates on when they'll put the money back in my account, and never does. They don't mind lying to you. Now it'sXX/XX/XXXX and still no money has been transferred back to my account. After pulling up reviews about this company from past customers, I see this is a common practice with this company about computer glitches and slow getting money back to people, and supervisors that are rude and no help to you, and will hang up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have been going in loan repayment for five years. The total in federal loans I took out totaled {$7000.00}.

In the past two years alone I paid more than {$2000.00} in student loan interest alone. The loan balance was still more than {$7000.00} even after I have been making excess payments. My husband had the same loan, the same repayment schedule and paid significantly less than my interest. Because the interest is regulated by the federal rate seemingly the loans should have been identical. It was not. The only difference was I had a loan through Navient and he had a loan through XXXX.

Consumers beware they are mismanaging the interest accumulation on our loans. Thankfully I was able to refinance the loans and we will no longer be working with navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I received my first statement from GM financial and processed the payment on XX/XX/XXXXto be delivered latest XX/XX/XXXX. Talked to my credit union who informed me that the payment was sent out XX/XX/XXXX to the overnight address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AX XXXX. MondayXX/XX/XXXX i called GM because i had noticed my payment still wasn't processed they informed me it could take 7-10 days to process and i wanted to speak to a supervisor because they have had my check sinceXX/XX/XXXX and the agent hung up on me. I called back with more information from my bank and received the same terrible customer service repeating the same XXXX about 7-10 days with no help trying to resolve my issue. a third time i called on Monday i spoke to a " supervisor '' who said she was submitting a ticket to look into the payment processing with my check number but wouldn't give me a ticket #. It is coming up on the 10 days where they will charge me a late fee even though they have had my payment sinceXX/XX/XXXX and cant figure out how to do their jobs and post my payment. I am waiting for back up from my credit union for the information on when the payment was sent and delivered to provide to GM but no one can find my check when it has been IN HOUSE sicneXX/XX/XXXX

Company response to consumer: Closed with explanation