vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On or about XX/XX/XXXX and several other dates, Transunion certified that they validated/verified information on three different accounts and that the information was accurate and continue to report the information. The information they're reporting are as follows : They certified that XXXX  XXXX XXXX  reported a payment on XX/XX/XXXX for an account they verified was closed on XX/XX/XXXX ; they " updated '' this account XX/XX/XXXX They are also reporting a VA Dept of Social Services account as open ; but have a date closed of XX/XX/XXXX. In addition to this same account, they certified that they verified payments on this account however they are reporting COL ( collections ) on the accounts for the months of XX/XX/XXXX and XX/XX/XXXX ; when payments were made ( I have proof ) Finally, on an account with XXXX XXXX XXXX, they are reporting that they verified the account was accurate but they have a date opened of XX/XX/XXXX and a date closed and paid of 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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I disputed charges to my credit card in XX/XX/2020. The dispute department at Chase is not functioning I assume due to the work from home aspect. Over two months I was forced to submit the details of my dispute on four different occasions, two of which after a dispute representative confirmed they were received and were being reviewed. I was informed by Chase in XX/XX/202 that the dispute was settled in my favor as the merchant did not respond to their requests for information. I then received another bill for the charges two weeks later and called in and was told my evidence was never received. After trying to elevate, I was told that a letter to re-open the case needed to be faxed. I went to the local branch and had them fax/e-mail the letter to the dispute department and the executive offices. XXXX, a manager at the branch proactively called me and confirmed he read the issue and was going to take care of the problem, it was ridiculous and he would have it taken care of through a " branch resolution '' confirming not to worry about it anymore it was settled. In XXXX I received another letter requesting evidence for the dispute ... I called the executive office representative 6 times and left messages that were never returned. I elevated to executive CS manager who called me on XXXX took all information, confirmed call back number three times as they had the incorrect number and committed to investigating and getting back to me asap, I have not heard back from them to date. Today we received a bill for the charges plus penalties and interest. After we were told by the branch manager it was resolved we discarded our file and now have no way to pursue the merchant as our bank refused to complete any form of investigation or honor their commitments. My wives income disappeared with the complications of Covid and we could really use your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I have tried for months to obtain the mortgage payoff amount from Select portfolio Servicing ( SPS ) and despite my numerous explanation that the correct amount need to be calculated and provided the company keep providing me the same quote. This company is a collection agency and just started purchasing mortgages from other companies without having proper staff and knowledge on how to handle mortgages. The staff do not have knowledge and there is no loan officer we can talk to directly. Every question takes 30 days to be responded to and there is no one I can talk to explain my problem with their responses. 
They have purchased my mortgage from XXXX XXXX 2 years ago and since then I have filed numerous complaints and have filed lawsuit against them which they settled with me outside of court. 
I have tried to explain to them that during first 5-10 years of 30-yr loan consumer pays the most interest on the loan which is more than interest that they should pay and eventually the interest goes down and more of the payment goes toward principal. For example, during last 3 years 70 percent of my mortgage payment has gone toward interest and only 30 percent has been applied toward principal. Now that I plan to payoff my mortgage all the extra interests that I have paid during last 3 years should be calculated and deducted from the payoff amount. However, this company does not understand the concept of loan and keeps quoting me the same principal amount without any further calculation. They have wasted 3 months of my time trying to go back and forth and there is not a single person that I can talk to that has enough knowledge of the loan process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I was behind with the payments, and in XXXX of XXXX i made one payment and i explained when i will make the other payments, and yesterday my car was parked on the street, and when i saw the towing guy took my car, and i said pls wait until i call the bank and he does not want to wait, i call the police and the tow guy just step on the car and run. 
i spoke with some agents to the bank and one person said to me whatever we agree verbally is not valid, and the rates that im paying is 11 % and i have paid more 75 % of my loan. i think every person have a right to speak with the before take my car ... .my monthly payees is {$38000.00} and have to pay is 4 months, and they charged fees over and over even when i explained and agree to, because this covid19 we where inside on the house and we could not work. the amount i still own is like {$7000.00} I purchase the car back on 2015 in {$23000.00}, i think every person has a right to breath and put action when this think happens, and need law and order for all, humans rights also most be in effect for every person.

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 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This is what I am dealing with in cpi refund where my truck was repossessed and now wells fargo is saying no to outside arbitration. The two letters attached show you just what is going on in a way words could not tell. I am owed XXXX and there doing nothing but lying to me lying about facts and it has been from day 1.

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 2020-10-20 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: NJ

Complaint narrative:
In need of some help! I believe I have a freeze on my account. I'm not sure as to what is going on. As of right now I am un able to obtain a saving or checking account. I cant get financing for a vehicle or can't apply for a credit card. It is very imperative that I open an checking or saving for Social Security payments. Please Help Me Fix This ASAP! 

Also, If it is not a freeze please point me in the right direction on how to fix the problem. 

My name is XXXX XXXX XXXX. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
We leased a new XXXX XXXX XXXX XXXX from XXXX XXXX Honda. We returned this vehicle to the dealership and received formal notification of the vehicles return on XX/XX/XXXX. On XXXX XXXX XXXX we provided a check for XXXX to Honda Financial services for the Virginia property taxes on the vehicle for XXXX. At the time we turned in the vehicle we actually purchased a new XXXX XXXX from the dealership which we still own and make payments for to Honda financial services. 

Honda Financial Services received a property tax bill from the County of XXXX for the XXXX property taxes on the vehicle that we turned in in XXXX XXXX for {$230.00} due on XXXX XXXX, XXXX. Honda Financial Services paid this tax and now they are apparently attempting to bill us for the XXXX property tax on a vehicle we turned into them in XXXX of XXXX. 

We have informed the company repeatedly of this problem and they keep sending us letters saying we owe the tax. We do not and refuse to pay Honda Financial Service for a vehicle we do not own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Equifax several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has been a victim of identity theft. In addition, how can EQUIFAX currently have stated the last payment of this account was XX/XX/XXXX WHEN IT CLEARLYSHOWS THE LAST ONTIME PAYMENT WAS MADE XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Equifax seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for Equifax to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: NY

Complaint narrative:
I have repeated dispute XXXX XXXX inaccurate information that's on my credit report and Experian has repeated refused to correct my credit report despite evidence that the information could not be true. The last disputed result on XXXX shows the inaccurate information remains. Experian can not substantial that result with the evidence I provided and again include here. Specifically, on XX/XX/2016 when XXXX XXXX reported my account charged off for nonpayment, my account was current and all past due payments had been paid prior to that time as evidence from my Bank statements from which XXXX XXXX electronically withdrew the funds. Only Experian appears to be able to " validate '' the accuracy of this reported information, not even XXXX XXXX has been able to do so before this XXXX. I filed a complaint with this Bureau and after months and many extension of time, XXXX XXXX is unable to verify and attest to the accuracy of the information they provided to the credit reporting agencies. This Bureau is still awaiting a response from XXXX XXXX. 
>>>>>>>>> Similarly, the other credit bureaus were unable to validate the information received from XXXX XXXX and their investigation led to the deletion of the inaccurate information from my credit report. They were provided with the same evidence that Experian received and which I will once again attach here.

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 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I received an email on XX/XX/XXXX for none payment. I schedule the payments myself when I first purchase the car over a year and a half ago, on GM web-site, to be made the XXXX of every month. 
The automatic payment didn't go trough and I did not knew the reason, I used the text service from GM to communicate with a representative and get this resolved. I also use the email service from GM to email a representative and find out the issue. But I was not able to resolve it, as it was like the representatives are either not paying attention to my concerns, or doing something else at the same time ... it was very hard for me to explain again and again the same issue I finally call GM on XX/XX/XXXX at XXXX XXXX, I talk to XXXX XXXX ID XXXX. She was very professional, but for some reason, she did not understood that I was worry about identity theft, after she told me that the automatic payments was cancel by me, the customer. 
So, I make a new automatic payment setup, now for the XXXX, because the system didn't allow to go back in order to make the new and now due payment. 
I never been late and I'm in top of my credit. I'm worry about been reported as late and also worried about some one else canceling my automatic payments. 
I believe now there's two payment setup and I can not cancel any payment because I'm afraid to be late and cancel payment can not be done by any representative. It's very frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hey I was just logging into my XXXX  XXXX  on XX/XX/XXXX. It currently says my score is n/a when i last looked about 2 months ago I had a score over XXXX. The reason I was looking at my score was because they had mentioned some company called XXXX XXXX XXXX XXXX  saying that I owe that them XXXX from XXXX. This is 100 % inaccurate information. Under the fair credit reporting act I would like to see my signature agreeing to this as any time I have ever used a rent a car there have been no problems and I've used hundreds of rent of cars over the past 4 years as am I am a XXXX  XXXX  you can XXXX my name on XXXX XXXX XXXX is my wrestling name. If someone can call me so that we can resolve this misunderstanding this would be great. I have been renting cars for years without any problems.

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 2020-10-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  {$4600.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$4600.00} Highest Balance {$4600.00} Opened XX/XX/2020 ( 8 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes after resolution Original Creditor Name XXXX XXXX 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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I filed a dispute for a transaction in the amount of {$800.00}, a debit card purchase made several months ago, a foreign merchant by the name of XXXX XXXX XXXX. This merchant is located in XXXX, a XXXX XXXX XXXX was purchased which was not received and reported lost/stolen to the carrier, XXXX. An investigation was done by XXXX, driver lost package and a claim was supposed to be filed by the merchant to recover loss, I communicated this to merchant via email to their rep, XXXX. Since the merchant is located in XXXX and no number is listed, I am unable to reach them by phone and email is the only way to contact. I emailed XXXX numerous times asking if a claim was filed with XXXX so they can refund me for lost package, she insisted XXXX is still investigating despite XXXX reps claiming investigation is complete and merchant needs to file claim. Unable to reach resolution with merchant, I filed a dispute with Citibank and they were provided information via fax, email, as well as postal mail pertaining to claim and loss of item. As with most disputes, Citibank claimed no information received despite sent three different ways. It appears they were able to locate one of my letters as they later issued a credit to account. However, as of today, XXXX, credit was reversed with no explanation. I called dispute dept again, reps requested I send in another letter despite all information above provided already which they received.. This merchant appears to be a scammer, they may have filed a XXXX claim, got reimbursed for loss without refunding me.. I request Citibank credit back this amount, {$800.00}, ASAP and reopen investigation

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 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In need of some help! I believe I have a freeze on my account. I'm not sure as to what is going on. As of right now I am un able to obtain a saving or checking account. I cant get financing for a vehicle or can't apply for a credit card. It is very imperative that I open an checking or saving for Social Security payments. Please Help Me Fix This ASAP! 

Also, If it is not a freeze please point me in the right direction on how to fix the problem. 

My name is XXXX XXXX XXXX. 

Thank you in advance!

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 2020-10-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In need of some help! I believe I have a freeze on my account. I'm not sure as to what is going on. As of right now I am un able to obtain a saving or checking account. I cant get financing for a vehicle or can't apply for a credit card. It is very imperative that I open an checking or saving for Social Security payments. Please Help Me Fix This ASAP! 

Also, If it is not a freeze please point me in the right direction on how to fix the problem. 

My name is XXXX XXXX XXXX. 

Thank you in advance!

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 2020-10-20 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  {$4600.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$4600.00} Highest Balance {$4600.00} Opened XX/XX/2020 ( 8 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes after resolution Original Creditor Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  {$4600.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$4600.00} Highest Balance {$4600.00} Opened XX/XX/2020 ( 8 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes after resolution Original  Creditor Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC
State: MD

Complaint narrative:
I recently obtained a copy of my credit report. I realize that this collection agency ( Revco Solutions ) placed a debt on my credit report. I have no knowledge of this account. I did not authorize this account with them.

Company response to consumer: Closed with non-monetary relief