vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
CFPB, this is my second complaint to the same company and I truly need help. 

XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX Date : Mon, XX/XX/2019 at XXXX XXXX Subject : United auto credit explanation To : XXXX This upload is to show that the company United auto credit committed serious fraud by reporting inaccurate information on my credit profile. I do not owed this company a dime, they sold me a lemon with the dealership that they associate with through one of their managers.

In the attachments you will see that I never made a late payments and when I called for them to pick up the vehicle due to several issues, chair stuck toward the steering wheel and doesnt want to move, hood of the car will not close, all windows stuck, I spent {$200.00} at the dealership to fix an alternator, I brought it back again to fix issues with overheating all of these issues where Pryor to making the last payment. After I made the last payment which I would have another 30 days before making another payment, they never sent anyone to pick up the vehicle, I had to make several calls in order for them to finally agree to send me an electronic form to sign and for them to come. After signing the form they still took another two weeks just so they can justify that I am late on the next payment. 
The vehicle was sold at auction for {$7900.00} and yet they are saying that I owed them {$4800.00} because the car was sold for {$3100.00}, the proof is attached of the lies as well as a form that they sent me with no late payments and the total net balance for {$3000.00} I have already made several complaint to the cfpb, the FTC and the credit bureaus are still investigating. 
Also, the company had sent me a settlement offer for {$2400.00} but I refused to pay something that is not accurate, shady, abusive and injustice practice from this company. I never made a late payment to that company and that is why XXXX offer me a car loan really fast so I can continue to go to my many doctors appointment at the VA. With good faith, I tried trading the vehicle but no dealership wanted to take it due to the issues. 
I am making much higher payments right now {$570.00} to XXXX and I am never late and no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: UT

Complaint narrative:
Banco Popular is using an unlawful loan-to-value ratio of 75 % to cancel our private mortgage insurance requirement, instead of the 80 % LTV required by the Homeowners Protection Act. 

After receiving notice of their rejection of our PMI cancellation request, we called them to point out the error and they would not fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My student loans take up almost half of my yearly income. I'm having a hard time living off of $ XXXX/month, especially when unexpected things pop up like medical bills, car repairs, moving expenses, etc.. With all my bills paid, I have less than {$100.00} leftover to spend or put in savings or towards those unexpected costs. I can't keep up with it and PNC/XXXX  have only one option to reduce my monthly payments - not even based on my income and only a 1 year option ( as if my income is going to increase so significantly in a year that I will be able to afford $ XXXX/mo on my private student loans and over {$200.00} for my federal loans ) - and have made it insanely hard to enable that on my loans. 

I'm having panic attacks about being able to make these payments and afford to live even at the bare minimum. I've had to work two extra jobs and insane hours to keep up, but I can't do it anymore. My XXXX XXXX XXXX XXXX is XXXX, making it near impossible to do my job and grow in my career. 

I don't want to be a mooch and never expected to pay nothing for my education but there has to be SOMETHING, some option available to reduce my payments to a reasonable and livable amount. Please, please help me. I've tried everything I can think of, including an attempt on my own life. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: OH

Complaint narrative:
I purchased a vehicle from Carvana I paid my down payment I pay my car note early they did not go over my paper work and sent me an affidavit a few days before my temporary plate exasperation. The representative told me he would check and call me back later in the day I never got the call back. So I called back the next day and had another representative check on my plate. She returned to the line and told me they where going to get me a rental car but I have to pay a {$50.00} dollar deposit for the rental. I dont go get the rental because why should I pay anything when its not my fault. So a week later I call and ask are my registration and Tag on the way now I get Carvana saying they dont know how long it is going to take to get my truck registration or plate. The representative ask me we have given you a rental. I told the representative I shouldve to pay anything for something thats not my fault. She puts me on hold and returned on the line and offered to give me a XXXX dollars for my trouble. I in return ask if they would either put my payment for the month at the back of my loan or waived the payment due to not being able to drive my vehicle so this is my complaint of not compensated for my inconvenience but to offer me compensation that doesnt add up to the amount I pay a month for my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Clarity Services
State: TX

Complaint narrative:
Unfamiliar things on credit report after selling XXXX CLARITY SERVICES INC Inquired on XX/XX/2019 called couldnt verify XXXX XXXX XXXX Inquired on XX/XX/2019 no new inquiry made on account XXXX/XXXX Inquired on XX/XX/2019 couldnt verify XXXX Inquired on XX/XX/2019 no new inquiry on account XXXX XXXX Inquired on XX/XX/2019 called could not verify XXXX XXXX XXXX  Inquired on XX/XX/2019 no new inquiry XXXX XXXX Inquired on XX/XX/2019 called couldnt verify

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: AR

Complaint narrative:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Experian / XXXX XXXX. XXXX XXXX XXXX, TX XXXX Re : Investigation Confirmation # XXXX To Experian Dispute Department To whom this may concern, I recently received your investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation the following documents specifically. '' Please send me the full arrangement ie, the 1. Contract and/or Agreement with my signatures on it that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX/XXXX  XXXX Peterson Vs Experian. Richardson v. XXXX XXXX XXXX, XXXX et al, Cushman Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Experian just can't use the XXXX XXXX because its not considered reasonable. Experian can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No!

Additionally, this account is inaccurate it is a Closed Account. Charge-Off that is not reporting Soled Or Transferred. Delete This Account.

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ). 

And send me another credit report. 

Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent {$170.00} to a seller on XXXX for a pair of sneakers through XXXX XX/XX/XXXX. The following day XX/XX/XXXX the seller kept making excuses that his XXXX account was acting up and requested for me to send it again. I sent 3 additional payments of {$170.00} totaling to {$520.00} XX/XX/XXXX. He made another excuse that I shouldve left a note on the payment and in order for me to get my money back Id need to send another {$520.00}. It was at this point I had a hunch that I was scammed. Ive reached out to Chase and and XXXX and they are unable to get my {$700.00} back. The seller has refused to send my money back and has blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that capital one is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The capital one accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for {$500.00}. I was offered by capital one during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute  with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of capital one. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have attempted to acquire my payment history for private school loans I received between XXXX and XXXX from an entity listed on my credit report as SLM XXXX XXXX XXXX XXXX TR. I made payments on the loans between XXXX and XXXX. At some point, the account was transferred from Sallie Mae to Navient. I have requested my account information from both entities for this time period and they each keep directing me to the other organization. Sallie Mae states that they no longer have record of any account information after it was sold to Navient. Navient states that they have no account information before they purchased the account. Navient has since sent information to the IRS information stating that they have forgiven part of my debt without regard for the substantial amount of repayments I have made because they claim to have no records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
1st I received an XXXX mastercard by Synchrony Bank which I never applied for on XX/XX/2019. 2nd the card was sent to my nieces address in XXXX, NY XXXX. I live in XXXX, NY. Tried calling XXXX which was given to my by chatting on XXXX Mastercard website. I called the # and was on hold for over 1/2 hour.

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 2019-10-08 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: FL

Complaint narrative:
Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that XXXX  XXXX is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The XXXX XXXX accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for  {$500.00}. I was offered by XXXX  XXXX during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute  with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of XXXX  XXXX. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: FL

Complaint narrative:
Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that XXXX XXXX is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The XXXX XXXX accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for  {$500.00}. I was offered by XXXX XXXX during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of XXXX  XXXX. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.

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 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC
State: GA

Complaint narrative:
XXXX XXXX, I email Consumer Financial 3 Months ago disputing this twice about this XXXX XXXX account that card had not been use since XX/XX/XXXX AND HAD A BALANCE OF {$4300.00} they were charging me {$380.00} monthly EXTRA beside me paying {$150.00} to {$200.00} for min. PAYMENTS. I DISPUTED AND requested to Consumer FINANCIAL PROTECTION INVESTIGATE THIS CARD AND MY ACCOUNT. THE NEXT THING I KNOW THIS CARD XXXX XXXX HAD CLOSED MY CARD ONLINE ALL STATEMENT GONE WITH OUT NOTICE. 
I WAS MAKING PAYMENTS toward account there NO STATEMENT IN XXXX I QUESTION THIS WITH XXXX. I Have ANOTHER CARD BY XXXX WHEN I CALL XXXX XXXX XXXX THEY INFORM ME THAT THIS CARD IS NOT PART OF XXXX XXXX. is when I ask Consumer Financial protection to investigate this and now they have place collection on Credit which should not be done on XX/XX/XXXX and On XX/XX/XXXX Collection letter from Alltrans Financial in XXXX tx. which I will be disputing this. 

I will contact Reporting Debt Collectors That Violate the FDCPA for unknow telephone calls using different number about 30 calls week No notice that they was collecting they post to account XX/XX/XXXX credit bur. and on XX/XX/XXXX A letter from AllTrans. 

this card by XXXX XXXX was in dispute and they know this. wrong amount, card had no charges since XX/XX/XXXX was making payments up to XX/XX/XXXX monthly. 

THIS HAPPEN TWO -THREE MONTHS WHERE THIS CARD SHUT DOWN MY CREDIT INFORMATION ONLINE AND CANCELED MY CARD. NOW LAST WEEK THERE A NEW COLLECTION WHICH I WAS NOT INFORM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: FL

Complaint narrative:
I cant remember the exact date and times. however, I attempted to make arrangements, but was not successful. I had a change/decrease in income and they would not accept a sufficient affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ray Klein, Inc.
State: TX

Complaint narrative:
This medical bill debt {$5900.00} dated XX/XX/XXXX from a collection agency call Ray Klein Inc. dba Professional Credit Services was/is not mine but was a data entry mistake at the hospital. When first contacted via phone calls they kept talking about a medical bill that I had Insurance for and was already paid. But they would never send me any information on it as they said they would and hadn't heard from them again. So I thought they had found my insurance paper work. My current employer then got a writ of garnishment for {$13000.00} years later in XXXX stating that I was served at an old employer which is false and does not match my identity at all. The woman who was served was a XXXX '' XXXX XXXX year old with XXXX hair and I am a XXXX '' XXXX woman with XXXX and i still won't be XXXX till XXXX. So I went to the hospital to gather the medical bill in question and found that it was a bill in my name with incorrect and/or old information for services that I had not had with medical conditions I don't have and not the bill they were talking about before ( which they read back to me ) I had also obtained a lawyer to fight this in court as they wouldn't accept the evidence that I provided and after some time they sent a release of writ of garnishment stating to refund monies collected during garnishment after they received an email from my lawyer. So I thought they had finally cleared this mess up especially since it had been past the 6 year & 10 year statue of limitation. Then I got a call a month ago trying to collect on the debt again and I forwarded the info from the case and that should have been the end of it but no. My employer received a new writ of garnishment on Friday.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Nelnet, Inc.
State: TX

Complaint narrative:
I took out a federal student loan and in XXXX and XXXX I got very I'll and became XXXX. I asked for a deferment and it was granted extending the loan until XXXX. At the beginning of XXXX I finished paying back the loan to Nelnet. Nelnet closed the loan and put six late payments on my credit reports for the period I was in deferment. This was done 6 years after the fact. I have disputed with all 3 credit bureaus and filed two cases with the department of education. Still Nelnet refuses to remove the 6 derogatory entries saying that they have no mechanism for doing so. My credit worthiness has suffered. Even XXXX XXXX removed late payment for this period.

Company response to consumer: Closed with explanation