vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-05 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I tried to cancel my gap insurance and the dealership was sold without any notices with a balance being owed to me. After the cancellation from XXXX XXXX XXXX XXXX gap coverage. I have emailed the old owners and the current owners of the dealerships with no result of resolving the balance owed. There is a charge for XXXX for a paint warranty XXXX for gap coverage that should be refunded seeing as I traded the vehicle on XX/XX/2018 XX/XX/2018

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 2018-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was trying to pay my XXXX XXXX Store Credit Card bill this morning and I noticed a {$220.00} fee I did not make onto my account. The purchase was made on XX/XX/2018. I have not used my Credit Card in months and I need to know how my credit card was used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
Toyota Financial Services for years did not report this loan for my 2012 XXXX to any of the credit agencies. It took the CFPB, XXXX and a certified letter to the office of the president of TFS to fix. Finally, the item got reported and all the payment history but did not have an impact on the score as that's not the way credit aging works. Check CFPB reports and notes on the account. 

The issue I'm faced with at the moment. I just setup bill payment on the account. The information was off by 1 digit on the account number. I re-submitted my payment via my bank 's bill payment system. The payment was accepted and posted to my Toyota account however 2 days after the due date. Now I've been marked with a 30-day late payment that shouldn't have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. This plan was paid in full on XX/XX/XXXX. All creditors received notice that the debts were satisfied at that time. This company is still reporting the XXXX debt as outstanding to the credit bureau. I have disputed this debt twice with the credit bureau twice but the company refuses to enter it as paid on my credit file.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never applied nor sign any papers regarding employment with this company. This showed on my inquiry of Experian on XX/XX/2018. This is no more than fraud with out my consent.

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 2018-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
I am requesting that you remove Monterey financial aka XXXX funding off my credit report. I dont owe the debt. Monterey financial failed to follow the proper procedures for the fair credit reporting act. They are falsely alleging that I owe of {$6000.00}. The account was removed, then illegally put back on my report. They have filed delinquent unfair reporting to all three of my credit bureaus reports. Please have them remove these delinquent records from my credit reports as they have failed to follow the correct procedures in violation of thd fair credit reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/18 I made a checking account deposit for a check in the amount of {$15000.00}. Funds were supposed to be available on XX/XX/18 as printed on the deposit slip. On XX/XX/18 I found out that my entire account was restricted when I went to Chase branch to cash a check. I could not access any of my funds in the account even what was available before I made the {$15000.00} deposit. I made several calls and spoke to the loss prevention team, also visited the branch and spoke to managers. There is no resolution at this time and my account is restricted. The reason for the restriction as they stated is an improper endorsement of the check, so I asked them to return the check so I can go back and get properly endorsed. It appears to me that the funds have already cleared and therefore Chase can not reverse the deposit and return the check. I also contacted the check issuer and was advised that the check indeed cleared their account. At this time Chase is holding entire funds on my account and not just {$15000.00} deposit. There is another deposit hold of {$2400.00} plus funds that were there before this happened. It is unfair that they are doing this, because I need the funds for my family expenses and to send kids back to school. It is causing a great hardship and is completely unreasonable. Please release the funds or return the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: PA

Complaint narrative:
TransUnion has my credit score according from XXXX XXXXXXXX XXXX print out as of XX/XX/2018 was ( XXXX ) As of XX/XX/2018 showing ( XXXX ) as by XXXX XXXX XXXX. The issue I have there has been a lot of wrong information that was on my credit report by TransUnion such as XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX 2 BY XXXX XXXX XXXX in which has been all removed and some that was court papers as to why they was on there. TransUnion has since lowered my credit due to what I see all these company 's been removed by them. My credit score should not have gone down by ( 34 ) points. I have no late credit cards- student loans or revolving credit cards-car payments etc there is no justifications for this on TransUnion/ XXXX XXXXXXXX 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 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one charged me a past due fee then waived. The rep told me that I didn't have to pay the fee with my minimum payment so I didn't. I paid my bill before the due date but found I was charged again for a past due fee. THIS has to stop. I did not receive credit for any of the past due as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo foreclosed on my home after it had lost 50 percent of its value. They would not work with us on refinancing the loan, although they claimed to be. They constantly lost paperwork and changed agents.

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 2018-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
SLS had previously reported late payments from XX/XX/XXXX to XX/XX/XXXX. I contacted them and filed complaint with the XXXX  of Colorado. 
On XXXX XXXX, I received letter from SLS stating all agreed payments were received, and account was in Good Standing. I received SLS confirmation on XX/XX/XXXX, that all payments were received from XX/XX/XXXX to XX/XX/XXXX. Currently both XXXX  and XXXX  show that all payments from XX/XX/XXXX thru XX/XX/XXXX were 90-150 days past due, which is incorrectly reported. 
This is negatively affecting my credit scores and needs correcting. 

Also as of XX/XX/XXXX, SLS mortgage payments have been {$650.00} per month and paid in full with this amount. 

SLS incorrectly updated my XXXX  and XXXX  reports on XX/XX/XXXX showing my monthly mortgage payment is {$920.00} This was incorrectly reported and I was not notified of any change in my monthly mortgage payment owed as of XX/XX/XXXX. 
I need verification from SLS of when and why my monthly mortgage payment was changed, and if incorrect, I need it corrected on both my XXXX  and XXXX  credit reports. 

Sincerely, 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 2018-08-05 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
on XX/XX/2018 i sent a letter to Lexis Nexis requesting the method of verification for US BKPT CT FL XXXX XXXX But as of today i have not received a response. this bankruptcy has multiples inaccuracies, the filing addresses is inaccurate, the status is incorrect, the file date is inaccurate, court location is inaccurate. 

THEY CLAIM THEY VERIFIED WITH THE COURT BUT THE IS FALSE INFORMATION, ACCORDING TO THE COURTS THEY DO NOT GIVE OR FURNISH PUBLIC RECORD TO THIRD PARTY VENDORS LIKE LEXIS NEXIS OR THE CREDIT REPORTING AGENCIES BECAUSE THE DOCUMENTS ARE SEALED AND THEY NEED A COURT ORDER TO VIEW THE PUBLIC RECORD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has not mailed me updated report to the information been corrected or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: GA

Complaint narrative:
From : XXXX XXXX, XXXX XX/XX/XXXX, last 4 of SS XXXX, XXXX XXXX XXXX XXXX GA XXXX I have unauthorized credit inquiries on my credit report that are listed below. 

Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, and I have asked for investigation and evidence that I requested said inquiries with no response because there is no proof that these were authorized. 

I disputed these through this bureau and was told inquiries are a statement of record and not disputable.In fact with no proof of authorization then they are to be removed. I have also notified each company. Under the FCRA I am requesting these inquiries be removed. 

XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX  Inquiry from XX/XX/XXXX - XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX  Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX   Inquiry from 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 2018-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
I have called this company many times and have told them that the information reported on my credit report is not accurate and does not belong to me. Yet they have taken no action and continue to report the inaccurate information on my report. They threaten to increase reported amount of I do t pay them. Unnecessary threats are being utilized as a tactic for them to receive payment for something that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
CERTIFIED INCOME FOR PUBLIC STUDENT LOAN FORGIVENESS WITH XXXX   XXXX XXXX. THIS WAS APPROVED HOWEVER INSTEAD OF FOR 1 YEAR THEY CERTIFIED 1 MONTH, WHICH ISN'T THE DATES THAT I PROVIDED ON MY APPLICATION. THEY ALSO DID NOT PROVIDE ANY QUALIFYING PAYMENTS FOR THE YEAR. THEY SAID IT WOULD TAKE 6-8 WEEKS FOR A LOAN OFFICER TO REVIEW THE PAPERWORK. THEY DENIED THE ORIGINAL APPLICATION BECAUSE MY EMPLOYER THEY USED A DIGITAL SIGNATURE. THEY STATED SHE WASN'T QUALIFIED TO SIGN THE PAPERWORK. RESUBMITTED THE SAME FORM WITH A HAND SIGNATURE. THEY STATED THAT THEY SEE THE ERROR BUT CAN NOT DO ANYTHING.

ALSO ON 2 OF MY EMPLOYMENT CERTIFICATIONS THEY GAVE ME CREDIT FOR PAYMENT ONLY ON 1 LOAN. THE OTHER 3 LOANS THEY STATE THAT THE EMPLOYMENT ISN'T QUALIFIED. HOW CAN IT BE QUALIFIED FOR 1 LOAN BUT NOT ALL.

THEY REFUSE TO HELP ME WITH THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: OH

Complaint narrative:
CAPIO has reported two accounts both of which have been disputed and removed by all credit bureaus. XXXX XXXX XXXX just removed it off. Now this company has reported it and 1. Never received written notice that they had it or that it was going to be reported! My info was stolen years ago and that debt is not mine. Plus my info has once again be stolen as I was part of the XXXX  breech. They should not be allowed to keep reporting the debt/account once it's been disputed and removed!

Once I learned that this hit my credit I called the company and the man was very rude claiming that i owed it and I need to pay it and said they didn't have to send me anything before reporting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I have charged with XXXX XXXX XXXX {$1800.00} because switch service with XXXX and XXXX will taking care of it, and after all XXXX  isnt responsible and even though is been recorded by 3ways call and now XXXX  XXXX XXXX put me in collection. I feel they play a game on me and that account XXXX XXXX XXXX close on XX/XX/2016 and now recently they on collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am unable to make the high payments. Over the past year every time I call Navient I am given different information, am told I am not eligible for programs, given different amounts and dyes due. Last time I call I was told I can not enter a program. I called again and entered the same program one month later. Navient then reported me 60 days late on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I disputed a BK ( bankruptcy ) that has been discharged since XX/XX/2009. I disputed with TransUnion. I also called the courts, which is The Bankruptcy Courts Of Mississippi, located in XXXX, Ms . The courts stated that they do not share information with the credit bureau. They also stated that they have no record of contact with TransUnion. I'm writing this complaint to the CFPB to have TransUnion remove the BK ( bankruptcy information from my credit 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 2018-08-05 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: AL

Complaint narrative:
These inquiry accounts were disputed on XXXX. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   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 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Company has been calling me since mid XX/XX/2017 about this debt and EVERY SINGLE TIME I very my information ( which is not what they have on file ) and I am told my number would be removed. I even explained SEVERAL times not only am I not the person they are looking for but I have had to deal with them before in another collection effort and this time I will pursue legal action. XX/XX/XXXX I noticed the derogatory account from portfolio recovery on behalf of XXXX  XXXX on my report and when I tried to call because I have no knowledge of the account and I've told them previously this s not my account, the customer service agents was unable to speak with me unless I verified my information. I gave them my social and phone number as I don't have an account # becuase one is not listed on my credit report. Agent was unable to speak with me as the information didnt match. It doesn't match because this is not my account. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have a loan with Ditech Financial the property need insurance which I provided by XXXX XXXX the problem is Ditech went on put insurance which take the mortgage too high for me to afford the mortgage. I send them the all the insurance information and have XXXX  XXXX company called and still Ditech refused to take the insurance off, my mortgage payment was {$890.00} now because they had insurance is now {$1100.00} which is way too much for me can you instruct me on my next step thank.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient is stating my account is overdue. While in school ( still enrolled as a full time student ) I attempted to make payments that were denied by Navient which i think is an attempt to tack on interest. Recently receiving notices I am past due but they are refusing to look at any proof of enrollment I have sent to them. Classes resume on XX/XX/XXXX but they are telling me I will be have negative credit reporting if i dont pay. XXXX XXXX is handling my other accounts. They ( XXXX ) have already updated all my informarion for forbearance due to full time enrollment and i have NEVER had a problem with them in the past. This is an ongoing 3 month long issue that has yet to be resolved and of course I'm the consumer so they are trying to railroad me.

Company response to consumer: Closed with explanation