vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I had a loan since XXXX with One main financial and it was paid off on XX/XX/XXXX of XXXX and it is not showing on any of the three credit bureaus I have contacted the executive offices and they said they don't know why it's not reporting they can't figure out why their computers aren't reporting it and they would and DID manually report this $ XXXX to $ XXXX loan to all 3 credit bureaus. As of today, I spoke with all 3 bureaus and THIS IS NOT THE CASE. 
I have been working on getting another car as mine was stolen... Which assisted with the final payoff of this loan. 

The lack of reporting caused the car to be sold out from under me as well as I applied to get another loan thru them However, there is no way that a loan of this size and length would not affect my credit score if not reported... Thus, any offers actually from any lender I look like a liar The application has been open for 25 days and this correction has still not been made Now the application is expiring TODAY! 

This ERROR ON THEIR PART is totally messing with my credit overall and my ability to get treated fairly by ANY LENDER! 

Again. The LOAN IS PAID OFF. 

I PAID IT OFF ON XX/XX/XXXX... THERE IS NO REASON IT SHOULD NOT BE REPORTING... I HAVE BEEN PATIENT AND NOW I AM SUFFERING DUE TO THIS INCIDENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
This Complaint was completed by XXXX XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 15USC 1692 a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. UCC 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. Under The UCC, USC, FAR, CFR and regulations. Navient committed known fraud I do not have any legal agreement contract of any sort with 2 signatures and or a bonding agent or registered agent representing this entity and or 3rd party. No registering or bonding agent was present from either side to legally bind this agreement. Furthermore I asked for the company to validate the debt 15 USC 1692 ( g ) it is any consumers rights to ask the validity of a debt with specific questions they did not answer or complete any portion of the forms sent. I the consumer XXXX XXXX also sent an Affidavit Of Truth that has multiple infractions and violations in which can only be rebutted line by line by the opposing party. Navient failed to do so. I demanded remedy for laws regulations and codes that were violated. The company sent back all the CONSUMER 's materials back to the consumer without completion. This company has defaulted and now refuses to solve this matter. The company stated they do not and are not obligated to follow any Laws or codes of any type including FAR, UCC, USC, FCRA, FDCPA, TILA etc. I have more documents and exhibits of the other governing laws codes and regulations Navient has violated. I demand They zero out balance and report to CRA ( Credit Reporting Agency ) That the account is a zero balance and paid off in good standing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account : XXXX Balance {$0.00} Opened Date XX/XX/2017. 
XXXX XXXX  XXXX Balance {$0.00} Opened Date XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Hello, So I spoke to my bank Navy Federal Credit Union, and XXXX about an issue with a credit account that was removed from my credit report without my consent. 

I spoke to XXXX on XX/XX/2021 via phone and online about a remark on my account that dropped my credit score by 88 points. I asked transunion over the phone and online about the drop, saying there might be an issue with my NFCU credit card. XXXX spoke to me and said over the phone they removed the remark. 

About a month later I noticed how my account for XXXX was back to my usual credit score, but my XXXX account had not returned to normal. I noticed that my credit card account was removed for some reason. I have been speaking to both XXXX and NFCU about this, and have messages from NFCU on their app. Navy has stated they reached out to XXXX and were told I needed to provide some type of reinsertion letter with my signature and other information on it, I am not doing that and making myself liable if there is some fault on one of these parties here. I spoke to XXXX about this, and they stated that navy never reached out to them and started whatever reinsertion process. 

I have never told any of these parties to remove any account in my name, I still have my credit card and the account is open. I want a 3rd party to mediate communication amongst these two and please get this handled, that is it. I am not doing another round XXXX involved with this, because someone probably just made an error somewhere because I was concerned about a sudden credit drop. 

XXXX 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 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX ILLEGALLY CHARGED MY CREDIT CARD FOR AUTOMATIC XXXX XXXX  RENEWAL DESPITE THE FACT THAT I TOLD THEM REPEATEDLY NOT TO, THEY LOCKED ME OUT OF MY XXXX XXXX IN XXXX AND CUSTOMER SERVICE SUCKS!!!! THE ILLEGAL CHARGE NEEDS TO BE REMOVED IMMEDIATELY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
Southeast Toyota Finance is in violation of 15 USC 1692e ( 8 ) ; Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

Southeast Toyota Finance is in violation of 15 USC 1666a ( a ) ; Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. 


This debt is currently since XXXX being disputed and has not come to a conclusion yet. There has been numerous cease and desist, affidavits and debt collection notices sent out to Southeast Toyota Finance. Southeast Toyota Finance has deceptively and falsely reported a late payment to XXXX, XXXX, and XXXX WITHOUT the consumers ( my ) consent! this constitutes as IDENTITY THEFT per the CFPB definition : Stealing your identity could mean using personal information without your permission, such as : Your name Social Security number Credit card number!! I never authorized this information to post onto my credit report as they provided XXXX, XXXX, and XXXX with my personal information and is tarnishing my reputation by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed on my latest credit report that I have quite a few fraudulent unauthorized inquiries listed for the following : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX, XXXX  Inquiry : XXXX XXXX, XXXX, XXXXInquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX - XXXX Inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX and XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX I asked that Transunion investigate these fraudulent inquires and remove them from my credit report immediately,

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 2021-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Nelnet is my loan servicer. When I was younger I was frequently placing my student loans into forbearance because I was never properly counseled on how the interest would continue to compound year over year. My account number is XXXX. My current loan information only goes back XXXX years. However, I've been paying on this account every month with auto-deduct since I got married in XXXX. Presently if I go back just XXXX years it shows a principal balance of {$14000.00}. I am XXXX XXXX XXXX. I've been out of college since XXXX. Since only XX/XX/XXXX I've paid {$7.00}, XXXX in INTEREST alone, {$11000.00} toward principal, equalling {$19000.00}. How the XXXX is there STILL a balance of {$9700.00} when I've been paying {$220.00} every month since JUST XXXX?! AND, there were several years when I was paying {$440.00}! I have not worked since XXXX of XXXX ( 19 months ). I refuse to allow XXXX additional cent of " Interest '' on whatever amount I originally owed if I use a forbearance program. At what point can ANYONE determine that I've paid enough in compounding interest and principal? How can it possibly be fair that I still owe over {$9000.00} when I've been paying on this loan for " at least '' 18 years? When XXXX XXXX passed legislation that locked my interest rate at 8.0 % I've been prayed upon by lenders ever since. I can not pay another dollar towards this ridiculous " legal scam. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX  XXXX-Date of inquiry XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2021 Transaction # XXXX I used Chase app and sent {$900.00} using XXXX to my attorney but I made an error on the last digit on the phone number and the money was sent to the incorrect person. I called Chase the same day after my attorney told me he did not get the XXXX transfer this is when I realized the mistake I made. I called Chase and filed a dispute XX/XX/2021 Claim # XXXX. My dispute was denied XX/XX/2021. 
XX/XX/2021 I called Chase spoke with dispute supervisor and told her the situation and denying my claim is not right this is not {$20.00} is {$900.00} which I need refunded and she said there's nothing she could do. 

Please help me recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: OH

Complaint narrative:
Today, XX/XX/2021, I received a text from XXXX that said it was from State Collection Service. They claimed to be a debt collection service and asked me to click on a link to receive information about the debt. It looks like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When I returned a rental car to XXXX on XX/XX/2021 in XXXX, XXXX, they claimed there was new damage to the car. I disputed that with them at the time. They claimed damage of {$450.00} I filed a complaint with my XXXX  card issuer, Capital One, stating XXXX  claim was incorrect and denying I caused any damage to the car. 

From speaking with a representative at Capital One, I learned that XXXX  acts as an intermediary between the merchant ( XXXX ) and the card issuer ( CapitalOne ). Capital One contacted XXXX through XXXX XXXX and relayed my claim. XXXX reported back to directly to XXXX   that I acknowledged the damage at the time I returned the car. This is not true. In fact I completed a form denying any responsibility for what they claim to be new damage. ( I should note that the car had numerous scratches, scraped and minor dents all over the car ). 

Capital One told me there was nothing I could do since the determination was made by XXXX  and that there was no way for me to speak directly to XXXX  about the dispute. I have since closed the account, but penalties continue to accrue on the claimed balance owed. 

Is there anything CFPB can do to help me resolve this issue? 

Thank you-

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/21, I reached out to equifax by mail to inquire the method of verification for a chapter XXXX that was listed on my credit file with them according to XXXX XXXX and XXXX, I received a response by mail a little over 30 days later, informing me that no bankruptcy was listed in my credit file and that they would send me a copy of my credit report to show this. Once I received my report, a month later, I found that they were correct and due to seeing the given item was still reporting, I reached out to XXXX and was informed they can only report what equifax gives them. At this point, I don't know what how to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
This is our second complaint now against GM Financial. After they tricked us into repossessing it, they now won't let us make payments on it. We've been calling all summer trying to get something worked out so that we can continue making our scheduled payments. Every person we talk to says we have make payments by phone, but the phone payment system says we're not eligible. Every option they have said is available to us, they find a way to block it. We mailed a payment in, they said they never received it even though tracking shows delivered at their address. When we try to get something finalized with them on the phones because the phone option doesn't work, we get placed on hold for XXXX hours and/or they " accidently '' drop our calls. We get talked to like trash by everyone we talked to. All we want to do is make our payments and they're not letting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lil' Wave Financial, Inc.
State: CA

Complaint narrative:
I have been asking for a payoff demand and I did receive them. However the payoff demands are for XXXX and for XXXX and the month of XXXX the payoff demand is higher than the payoff amount in XXXX. I have been approved for a loan and are waiting on the updated payoff demand since XX/XX/ that was requested via fax and email and we are yet to receive the payoff demand. Escrow is unable to move forward with anything without the payoff demand. I have a trustee sale date of XX/XX/ which is why we call and email daily asking for a payoff demand and we are yet to receive it. I believe the lender and the servicer are purposely holding my payoff demand. I frankly believe they are wanting to foreclose on my property without giving me a chance to pay them off in full. All I need now is my payoff demand and an additional 15 days to closed escrow properly. I am asking that the trustee sale date is postponed for 15 weekdays to ensure everything is done properly since providing a payoff demand has delayed this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS ARE LISTED ON MY CONSUMER REPORTS AND I DID NOT AUTHORIZE OR SIGNED ANYTHING. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
NCA has refused to validate the debt that they are reporting on my credit report. They have never sent me letters or emails telling me I even had a debt with them. We didnt find out until we started our home purchase. I tried to call and verify the debt and ask for a pay for delete just so I could get it off my report so we can move forward with our home purchase however they are refusing that as well. I have a letter that they agreed to delete an account for another person only AFTER they filed a complaint with the CFPB so this is my last resort at getting this removed from my report. Thank you for any help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I opened this credit card ( The Children 's Place, XXXX XXXX ) in XXXX, and made a purchase. At the beginning of XXXX, my family contracted XXXX, I was the first. I was unable to move for several days, and became severely XXXX. I eventually had to go to the XXXX XXXX for help. We are a family of XXXX, and it took us 2  months to get through XXXX, with my husband also ending up in the XXXX XXXX. Needless to say, I was unable to pay any of my bills during this time. Thankfully, most of my other bills are on autopay, but this was a new card, and I had not had a chance to set it up. 

When I called, I have been charged 2 late fees. One of them was waived, the other I had to pay, even though this was due to a circumstance that most companies are being more lenient with. I told the representative that I wanted to just pay the full amount and be done with it. The representative took my payment and said the account had a XXXX balance. 

I sent a letter to the company, asking the late payments be removed from my credit report, as I am in the process of purchasing a house. It was denied, again, even though the cause of the late payment was XXXX related. 

I received a couple more statements in the mail, but did not open them, thinking they were just {$0.00} statements, as I had paid everything in full. When I opened yet another statement today, there were 3 more late fees added. 

I called and spoke with an incredibly rude customer service representative who then transferred me to a supervisor. The supervisor waived 2 of the late fees, and I had to pay an additional {$47.00} in order to again bring this account to XXXX  balance. I requested the account be closed immediately.

Company response to consumer: Closed with monetary relief