vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS

Complaint narrative:
I purchased a new vehicle XX/XX/2018. In order to receive a rebate for electric vehicle I had to buy the car the day I went to the dealer. I was rushed to close the deal and pick up my kids and didnt realize I had signed for extended services for {$3300.00}. When I discovered what had happened I called the dealer to cancel. I went to the dealer and signed the cancellation on XX/XX/2018. When I hadnt heard anything after a couple of months I started calling the dealer and my calls were not returned. After several days and not identifying myself I was able to reach a manager. They were going to look into it. Since then I have been getting the run around by their sales manager and today he passed me off to their accounting department. They have not returned my call. In the meantime I have paid the car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit report on me from Experian has numerous errors and omissions. 

1. They show me as past due on a XXXX XXXX XXXX account, an account I never had. 

2. They say I have no background in real estate payments and that is a lie. 
I made mortgage payments for 13 years to XXXX XXXX from XXXX to XXXX. 
I have never been late with a rent payment to any landlord. 

3. They show an account with XXXX, something I never had. 

4. They omit my history of payments to XXXX XXXX, which are current

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 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
1 ). XX/XX/2019 : Equifax lifted ( at my request ) fraud alert on Equifax credit file.

2 ). XX/XX/2019 : Without my authorization or knowledge, Equifax contacted XXXX to add an Extended Fraud Alert even though we were trying to have it lifted at Equifax.

3 ). XX/XX/2019: Without my authorization or knowledge, Equifax contacted XXXX to add an Extended Fraud Alert even though we were trying to have it lifted at Equifax.

4 ).XX/XX/2019 : Received letter from XXXX confirming point # 2, above.

5 ). XX/XX/2019: Confirmed by voice call, XXXX had also received an unauthorized request to add an Extended Fraud Alert.

6 ). XX/XX/2019. Several calls placed to Equifax trying to understand why they placed two unauthorized requests to XXXX and XXXX   for an Extended Fraud Alert after confirming it was removed by Equifax.

7 ). Equifax actions have damaged my credit score by causing an immediate drop of ten ( 10 ) points from XX/XX/XXXXto now.

8 ). Equifax actions have twice prevented our bank 's raising our credit allowance and continue to do so.

9 ). Equifax 's actions have prevented me from creating a Social Security account at ssa.gov.

10 ). Equifax 's telephone support management/supervisor ( not staff ) has refused to speak with my husband ( authorized ) while I was on the phone ( 3-way ), even though he was the only one with the necessary details and understanding to speak about the unauthorized communications to XXXX  and XXXX.

11 ). Equifax has made no effort to assist nor shown any interest in taking a complaint from me regarding this incident -- or otherwise resolving the unauthorized transmittal/communication regarding my Extended Fraud Alert to ensure that no further communications interfere with the conduction of private commercial account activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When I refinanced my mortgage loan I paid a heavy price through the high interest rate and the inflexibility of my mortgage servicer. I never understood why Wells Fargo did not modify my loan until I read articles about how Wells Fargo has lost homes due to failures in their loss mitigation process and now it all made sense. I trudged along struggling to make my payments, but years down the road I lost my job and it was impossible for me to keep up with the mortgage payments. I reached out to Wells Fargo for assistance, but they have not assisted me with my mortgage and now my loan is in default and is in foreclosure. I used a non-profit company, XXXX, to compel Wells Fargo to get me back on track, but after six months, Wells Fargo dropped the ball with them and I am now further behind. Wells Fargo just can not get it right due to their poor communication and inflexible process. Things have taken a really bad turn and I am afraid I will now lose my home through foreclosure as their agents proved they are utterly incapable of helping homeowners. I have never had a single point of contact and my mortgage has turned into a nightmare. My income is now better than ever and I can afford a reasonable mortgage payment if given the opportunity to save my home. It is inexcusable the way that they have treated me and I am hopeful that your agency can get them to the negotiation table in a fair and transparent process that will allow me to keep my home.

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 2019-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: WI

Complaint narrative:
I have never had a XXXX credit card. When contacted about the debt I replied I was not my debt. They never responded or validated the debt. Instead they reported it to all the credit bureaus after I stated it is not my debt. They robo called myself and my 2 sisters, 3 nieces and parents claiming they are looking for me in conjunction of a lawsuit. 
I have the call taped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I had a loan with One Main Financial for a few years making monthly payments, never seemed to decrease the balance. We came to a Settlement agreement of {$4900.00} agreed upon, XX/XX/XXXX, Payment attempt made, unfortunately had an emergency come up that affected the payment, no communication from One Main other that a Monthly statement that only stated the amount of {$4900.00}. Finally on XX/XX/XXXX we were able to make the payment of {$4900.00} and wrote in the Memo and on the payment stub, " Paid In Full ''. One Main has accepted this payment and credited it to the Account, however they are stating that there is still a remaining Balance of $ XXXX and that the account is not closed and paid in full. This information was provided by the Customer Service Rep, when I asked to speak with a Supervisor / Manager, and VP, Executive ETC. that could help with this matter, I was told that all the supervisors were at lunch and that there was not a Executive or VP or Higher within the company that I could speak with. The only help that they offered was to set up another settlement for the $ XXXX that they are saying, I still owe with no written documentation sent to me. 
and the offer to modify the amount which I declined, because they are Now PAID IN FULL, and this account needs to reflect this. 
I have paid well over the borrowed amount between the monthly payments that were made for 4+ years and the settlement of {$4900.00} On a total amount Borrowed of {$5000.00} As far as I am concerned ( and I believe there is a law stating this ) the payment of {$4900.00}, was credited to the account on XX/XX/XXXX and was accepted as a " Paid In Full amount '' as indicated on the stub and Check that was accepted and deposited. 
This account needs to be closed and settled as {$0.00} Balance One Main is  a bad loan company that takes advantage of people that are in need at the time and do not have established credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX billed unreasonably for my annual XXXX   preventive care check-up in 2015, which should be 100 % covered by my insurance. They even sent this to a collection agency, Credit Consulting Services , Inc . 

I have been working with a 3rd party investigator, XXXX XXXX XXXX ( prior XXXX XXXX XXXX XXXX ) to resolve this on behalf of me with the XXXX XXXX XXXX and Collection Agency. Neither the XXXX XXXX XXXX nor Credit Consulting Services , Inc. collection agency provided a reasonable answer and still demand me to pay a bill that I didn't owe. 

It's been more than 3 years and it still hasn't been resolved. It has affected my credit score tremendously, drop 60 points. -very frustrated consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I Had an account with my son and they charged off my account for {$41.00} for Overdraft, I got a class action suit for overdraft fees that they reimbursed me, Also, they didn't send the information to the correct address I was unaware of this charge I tried to update and get a new checking account because of the overdraft they will not remove from XXXX XXXX as they added these charges later then charged off my account. I had paid money to the bank in XX/XX/XXXX and these charges were added later without my knowledge and is now affecting my consumer report for five yeas. I need this updated and removed as their should be no overdraft or extended fees by XXXX XXXX XXXX. I had two accounts with them after this and they never told me of this just sent it to XXXX XXXX. I spent an hour and a half with XXXX  XXXX XXXX and they wont remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
the customer service will not help and take care of the negative inquiries that I did not authorize that is reporting to my account.

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 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from Experian after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XX/XX/XXXX : 1. XXXX XXXX XXXX XXXX  account was reaffirmed in the Chapter XXXX Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XX/XX/XXXX, there were pre-petition payment ( s ) dating back to XX/XX/XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XX/XX/XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely.

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX  was discharged in the Chapter XXXX Bankruptcy in XX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the Experian dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XX/XX/XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.

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 2019-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
My ex wife and I purchased a car with ford motor credit, we got divorced in late XXXX. She allowed this car to be repo and filed bankruptcy on the debt ( since in the divorce decreed, per the judge, she was given the car and the judge removed me from all responsibility with this debt ). In XXXX, before I was about to be transfer to my new command in Oklahoma, I received notification regarding being suited for this auto loan. I tried to contact the law firm and received no response from them-They refuse to call me back. I went to court and I should the paperwork of my divorce and other document to the judge. He proceed to dismissed the case, and told the attorney that they need to come back to court when they can prove their case properly. I thought it was done. In XXXX I'm XXXX in XXXX and filed out that I'm being garnished for a auto loan that I wasn't served on after the court case in XXXX. I can't pick up the phone and call the law firm-I 'M IN XXXX. By the time I get back- I'm sent back to XXXX  XXXX and then TO XXXX XXXX Ks . I have tried to contact this law firm and ford motor credit and can't get any responds back. THIS GARNISHMENT HAS BEEN GOING ON FOR ALMOST TEN YEARS-The problem with judgment is, Virginia Court System Clears their system every about 5 -7 years, so I can't find anything on this original judgment other then the garnishment paperwork. They have taken from me a total of XXXX on a car and I still owe XXXX. And the best part of this issue, the car didn't even cost that much in the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit report on me from Transunion has numerous errors and omissions, 1.I never had an account with XXXX XXXX XXXX , which they list 2.They list an account with XXXX, which I never had 3.My XXXX XXXX accounts are all current 4.They list an account with " XXXX/XXXX  '' which I never had 5. My last employer before I retired was the County of XXXX XXXX, where I worked for 13 years from XX/XX/XXXX-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 2019-02-08 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: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
12 CFR 1024.35 ( i ) : In the 60-day period after receiving an error notice, a servicer may not furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the error notice.

The consumer provided a Notice of Error/ Qualified Written Request ( QWR ) dtd XX/XX/XXXX and TMS receipted the same Notice of Error on XX/XX/XXXX. The date TMS receipted the Notice of Error/ QWR starts the clock for 60-day period. Yet, TMS submitted derogatory information 30 day late payment to the Credit Bureaus on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT

Complaint narrative:
Nissan Motors is reporting a repossession on my credit file. This is not a repossession. This account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Originally purchased home 4 years ago at {$400.00} appraised at {$410.00} financed through chase. While trying to figure out why my payments climbed from {$2600.00} to over $ 3k I found out i have been overpaying state property tax fees. I was only able to get 2 years refund from the state but was able to fix this issue ; however, even after calling and squaring this away with the escrow department they paid the same amount AGAIN and raised my rate. 

Recently, this past month while trying to get PMI removed I believe the bank is not behaving correctly. We've paid the house down to $ XXXX and the exact same house sold for {$460.00} so we called to request PMI removal. Chase informed me we are required to use their appraiser at {$550.00} to confirm property value and I had no input on the appraiser used. I agreed and they denied my request but did not send me a copy of appraisal or inform me ... i later found out by calling back in to get the status. After requesting copy I noticed they used comps on homes that are not similar to mine and resulted in a {$430.00} appraisal. The numbers are suspiciously close to the original PMI removal of 80 % off {$400.00} vs 75 % of {$430.00} ( XXXX vs XXXX ). I was given the option to submit 3 comps and argue my appraisal but they have lost this paperwork and now claim the original appraisal will expire and I will need to pay another {$550.00} to remove PMI with a check of $ XXXX to pay principal down. 

I believe the mortgage company is unfairly requiring me to pay extra principal to remove PMI insurance when i'm in good standing within 80 % TLV. Further, i was required to use their appraiser who unfairly tilted the scales in their favor regarding home value by citing properties that do not even have their own driveways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from XXXX  after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XX/XX/XXXX : 1. XXXX XXXX XXXX XXXX account was reaffirmed in the Chapter XXXX   Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XX/XX/XXXX, there were pre-petition payment ( s ) dating back to XX/XX/XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XX/XX/XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely. 

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX   was discharged in the Chapter XXXX Bankruptcy in JXX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the XXXX  dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XX/XX/XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.

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