vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
After pulling a copy of my credit report it has come to my attention of Not proven compliant misinformation from inquires being reported on my credit report from the following : 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX the credit bureau is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! Equifax has reported several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chicanery led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT

Complaint narrative:
XX/XX/18 Regarding Toyota Motor Credit. We had not received our statement by the time the payment was due. I contacted the company and they said that they only send out statements as a courtesy and I have to request a statement/bill be sent. They have been sending out the statements for two years. I have no way to mail my payment without a statement to send with my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have filed complaints previoisly with Wells fargo, but it seems to Call on deaf ears. I took Wells fargo to court 5 years ago with the prsiding judge XXXX of XXXX countycourt. The judge ruled in my favoriser. Wells fargo has not acted in favor of the judge decree. I have trid to work with Wells fargo to rectify the problem but they have no intention of rsolution. This is WhY i had to take them to. Court 5 years ago. They have a sale date of XX/XX/2018 and have repeatedly denied all loan modification temps. The have misapplied, many payements and i want this rsolved want them to stop the foreclosure shrifs sale and reste my issue, if not i will take them to court as i did 5 years agonisant my loan either paid off due to their lack of due diligence or at leaste reiinstate my loan back to it's original amont of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
At XX/XX/2017, I received a offer deal information in my Bank of America XXXX account, which states I could earn a {$100.00} bonus after I receive two direct deposits of at least {$250.00} each within 90 days of new checking account opening. So I opened the account at that date, and I received an additional confirmation letter from Bank of America at XX/XX/2017, reference # XXXX. From then, I have received multiple direct deposites more than {$250.00} including payrolls and tax refunds, but I still didn't receive the bonus until today. I have contact Bank of America about this issue, but the representatives continus telling me that I should not be targeted for this offer because I have already took this bonus before. I acknolwge that I had another {$100.00} bonus from Bank of America in the early 2017, but the second offer letter doesn't mentioned this is a once per lifetime offer. As a result, I want want to get your help to receive the {$100.00} bonus from Bank of America. Thank you!

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 monetary relief
Consumer complaint received 2018-03-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I owe a balance to Bank of America and I have been paying more than the minimum due amount for the past 2 months. The amount showing in my credit score does not reflect the amount that I actually own the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Someone stole my identity downtown XXXX and they was using my name to order different things get an apartment and they spent all the money on my debit card and credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to CapitalOne that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that CapitalOne took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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 — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc.
State: NH

Complaint narrative:
GM Financial reported to the credit bureau 's ( XXXX, XXXX, and XXXX ) account 30 days past due in XX/XX/2017. I am the co-signer on the account and I was not notified by GM Financial that the payment was delinquent, thus I was not given the opportunity to make the payment so the account did not become past due ( XXXX ) days. I was not aware of this delinquent payment until I was alerted by XXXX XXXX that my credit score had changed. When I investigated to the cause of the drastic decrease of my credit score I discovered it was related to GM Financial in regards to the loan I was the co-signer on. I immediately contacted GM Financial customer service by phone and payment was made to account for past due amount. I asked the customer service representative why I was not contacted ( my phone number is on the account ) to notify me that the payment was 30 days late, and I was told that the primary person on the loan had been contacted by phone and a payment arrangement had been made, and that XXXX XXXX policy is that once a payment arrangement was made with the primary contact no further phone calls are made. My credit is now effected for 7 years for a late payment even though I was never contacted giving me the opportunity to make the payment before it was reported to the credit bureau 's. I had a very good credit score until this delinquent payment was reported by GM Financial to the credit bureau 's. Between phone calls with GM Financial and contacting the credit bureau 's, I have spent several hours to dispute this and request to have this derogatory report by GM Financial be removed/forgiven. My disputes have been denied and you are my last hope of fairness to repair my credit to the very good standing I had prior to this one instance. I believe that GM Financial violated my rights to protect my credit rating by NOT contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Back in XXXX I leased a XXXX I paid it off owing XXXX XXXX in XXXX, all 3 credit bureaus have me owing a balance of {$5200.00} I have reached out to all 3 Bureaus several times XXXX removed the debt & put it back in my report a few months later..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: WV

Complaint narrative:
Last week, a debt from Afni was added to my credit report. The date stated that it was opened is XX/XX/2016, which is a lie. I did not have XXXX XXXX XXXX first off, secondly I did not receive any written notification for this debt whatsoever, and if anything were opened in 2016 it would not have just appeared on my report last week. I have proof from all credit bureaus it was never there. Also, since I have never received anything about this debt, I also never received any written notices of my right to dispute or to request validation ( not verification, VALIDATION. ) They are violating multiple rights per the FDCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Back in XX/XX/XXXX I leased a Honda I paid the payments on time & returned it in XX/XX/XXXX, its now on my credit report & has me owing {$5200.00} I reached out to all 3 credit bureaus & advised them of the inaccurate information, XXXX Removed this account & few months later its back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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:
XXXX XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX TRANSWORLD SYSTEMS INC XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information which has been sent to collections on my credit report. After extensive examination of my medical records, Ive discovered that the below balances were never billed to my insurance company, XXXX XXXX XXXX XXXX. listed below are the accounts in question. 

Please verify for each of these accounts, what I am being billed for, and an itemized copy of the services I am being billed for. Please also confirm that these services were not billed to my insurance company, and please confirm that I am not liable for these balances since my insurance company was not billed in time to get these account balances settled. A copy of this letter has been sent to XXXX, XXXX, and XXXX as well. These accounts were removed from my XXXX and XXXX reports already, but they remain on my XXXX   report. I have verified numerous times that my insurance company was never billed for these alleged services. Please advise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} {$66.00} Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: NY

Complaint narrative:
My student loan is XXXX I only borrowed XXXX navient just keeps giving me forbarences and deferments I have been a XXXX  in ny for 16 years and I should have had my loans forgiven. Navient never enrolled me in the program. I filed chapter XXXX bankrupcy in 2015 and navient has not removed the loan from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I requested an explanation as to how I could release the Private Mortgage Insurance on my loan. The lender sent me a letter and an application for that proceed. The letter stated that, subject to a current value appraisal of 75 % or less LTV, as a result of substantial improvements in the property during the first two years of the loan, an appraisal can be ordered at my expense to see if the PMI is no longer required. However, despite this explanation in the letter, the company keeps insisting I must make a substantial principal payment no matter what to qualify. I asked for a supervisor for further information, and have not received a call back from someone other than the person who interpreted this provision of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: OH

Complaint narrative:
I made my lease payment at the end of XX/XX/XXXX. I believe it was made out of the wrong account. Furthermore, the account that it was pulled out of was not attempted to be pulled out from for 12 days. 35 some days after payment was due, I get a call asking for payment. I am shocked. I thought that the pullout was not even for last month but for this monthly payment because it was close to XX/XX/XXXX, which I was actually angry about. I thought it had been made earlier than it was supposed to be. After rep called, I found out the truth and immediately made payment, dated that day for XX/XX/XXXX. Customer service representative waives late fee and apologizes and makes no mention of how they destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: IL

Complaint narrative:
On XX/XX/XXXX transunion received a dispute from XXXX XXXX XXXX XXXX. The investigation stated you verified these accounts as being reported accurate. Verifiable has a legal meaning and refers to a copy of the actual document I signed to open the account. You have not provided me a copy of my original signed documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). On XX/XX/XXXX you received a certified letter for Method of verification that requires 15 days. You failed to provide method of verification as required under 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. XXXX is not 100 % verification. You pasted this deadline of 15 days and must delete all accounts disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
The company XXXX/Equitable Acceptance Corporation is a scam. Here 's why. 

I received several calls on my personal cellphone over the course of 2 months from the phone number ( XXXX ) XXXX but never answered. A machine left a voicemail each time on my phone stating " You have an urgent issue with your student loan account. '' I would log into my student loan account and nothing was wrong. 

On XX/XX/2018 at XXXX I received a call from ( XXXX ) XXXX and they left another voicemail but this time is was an actual person talking. They said " Hello this is XXXX, and I would like to discuss with you a reduction in your student loan. The federal funding of supporting any weight or balance of your loan may expire very soon ... So it's pretty urgent that you give us a call. '' At XXXX I gave them a call back and they mislead me to believe that I could qualify for a reduced loan payment along with a 10 year limit to my payments. After 10 years, the government would forgive my student loans. They said I would only have to pay {$30.00} a month for 10 years with a {$49.00} recurring fee for the first year. XXXX sent me the paper work in an email and I signed. The company name on the documents was XXXX. 

I later realized after talking with my boyfriend I was scammed. This student loan service was going to take a down payment of {$270.00} from my checking account and a recurring fee of {$49.00} a month for a service that is free from the government. Thankfully I caught this before the 3 day cancellation policy.After 3 days of signing they would not be able to cancel the service. The forms and paperwork are all attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
+ not refunded XXXX XXXX perks XXXX XXXX XXXX XXXX perks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refund received XX/XX/XXXX XXXX XXXX no product southville XXXX PayPal # 1 XXXX XXXX XXXX XXXX ( AWAITING REFUND ) o Seller couldnt refund amount to PayPal right away for whatever reason o They attempted to take out the XXXX out of acct but was rejected because the 2nd transaction from XXXX  made it first to bank o Was charged two {$26.00} over draft fees for XXXX o Bank refunded those on XX/XX/XXXX o They took out XXXX today ( XX/XX/XXXX ) o Bank charged me {$26.00} o Waiting for Paypal Case to refund me the {$680.00} PayPal # 2 XXXX XXXX XXXX XXXX ( REFUND RECEIVED ) o Order for XXXX placed o Did it wrong and hotbox sent refund right away o It was reflected under the refund section and in my paypal balance o I sent this XXXX to my acct o It was never received at bank and no longer reflected in paypal PayPal # XXXX XXXX XXXX XXXX XXXX ( AWAITING REFUND ) o Order is legit o Never received laptop o Seller wont confirm shipment or tracking o Catting with seller stated XX/XX/XXXX but nothing has ever been delivered

Company response to consumer: Closed with explanation