vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I have tried to resolve this matter with GM Financial since XX/XX/XXXX with no follow up calls to me or any further action taken on their end. They are not reporting my auto history to the credit bureau. I have had an account since XX/XX/XXXX and can not refinance when the vehicle payment history is not being reported to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 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: AES/PHEAA
State: AL

Complaint narrative:
XX/XX/2008 attended XXXX XXXX but is now XXXX XXXX the student loan balance that is being placed on my credit is much higher than anticipated contacted XXXX XXXX  was informed the loans have sold out to various collection agencies have contacted several of these companies and their was no resolution solved these loans are really hurting my credit I cant purchase a home or anything I hope I can get some assistance with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX Friday afternoon within the XXXX XXXX. hour, I XXXX XXXX XXXX XXXX   walked into the Wellsfargo, XXXX  location, Branch in XXXX XXXX, Texas, ( XXXX Area ), to withdraw XXXX dollars from my Savings account. There was an issue with my newly issued Wellsfargo check card or the system. This was told to me by the Bank teller. She immediately called the Branch Manager, XXXX XXXX over to assist. He some how okayed to processed with the transaction. I went thru the process of attempting to withdraw my XXXX  from my checking account 3 times. Two attempts did not work by placing the chip checkcard into the machine at the teller and pushing in my pin, so the 3rd attempt had to be done manually, by writing on a withdrawal slip my withdrawal amount and giving it to the teller. Please be advised that at this moment around {$3800.00} dollars are so was in my checking account. {$380.00} in one ( Savings ) way2save account and {$150.00} in another ( Savings Account ).

On XX/XX/XXXX Friday night I checked my account to prepare for the next day and account showed the {$2000.00} dollars withdrawal and then a deposit of {$2000.00} with both of my Savings were depleated to XXXX funds because of this error on Wellsfargos behave as well as over draft fees created by this system error. I screen shot this for proof and evidence.

I discovered this Saturday morning, XX/XX/XXXX around the XXXX XXXX to XXXX, a negative balance of $ XXXX dollars. It also showed 3 separate in store branch cash withdrawals of {$2000.00} dollars totallying {$6000.00} dollars, which took all of my savings and then placed me in the negative.

I drove to the Wellsfargo, XXXX location and while in transition the Teller that made the transaction called me with to attempt to explain this error. Upon arriving to the Wellsfargo Bank I was greeted by gentleman name XXXX by name asking if I was XXXX XXXX. I said yes and he walked back to inform the Branch Manager which I saw through the Bank Teller glass. XXXX stayed back there and never addressed me concerning the matter. He had a cringing demeanor as if he did not want to explain this error to me face to face. I stayed for about 10 mins and upon being informed that there was going to be a temporary miscellanious funds placed in my account and that there was nothing for me to do, by XXXX  the floor representative, I left seeing that there was nothing for me to do concerning this matter.

The weekend passed and on Monday, XX/XX/XXXX morning my account showed {$900.00} dollars in my checking with overdraft fees and both my savings accounts still at XXXX  dollars. Monday passed and on Tuesday, XX/XX/XXXX there showed XXXX and XXXX funds in both of my Savings accounts with overdraft fees totaling XXXX.

I again screen shot these unjustly errors.

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 2018-06-20 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: FL

Complaint narrative:
I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on XXXX, XXXX, TransUnion. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against XXXX, XXXX, TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on XXXX, Experian, XXXX. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against XXXX, Experian, 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 non-monetary relief
Consumer complaint received 2018-06-20 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I have a loan with AMERICAN HONDA FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and AMERICAN HONDA FINANCE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have a loan with TOYOTA MOTOR CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: Nelnet, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with Nelnet and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted Nelnet directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with Nelnet due to this issue and consolidated my loans w/ another Student Loan company. My Nelnet balance has been paid but the late reporting is still showing on all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: IL

Complaint narrative:
On XX/XX/XXXX, I disputed with XXXX XXXX  two items on my Equifax Credit Report that were sent via certified mail. XXXX XXXX never replied within the time frame allowed. On XX/XX/XXXX I disputed with XXXX XXXX  again regarding the two items on my Equifax Credit report, XXXX XXXX did reply on XX/XX/XXXX, regarding the XXXX, however it was not within the time frame, and there was never a reply regarding the {$610.00}, Either one of these two items were ever verified. This was also outlined in my complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I saw in my credit report that there is an alledge debt for a company called XXXX XXXX XXXX. There is no proof this alledge debt is mine there for this is a violation. I have never done commercial transactions with XXXX XXXX XXXX and never signed an agreement of contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX we received a letter from Wells Fargo Mortgage Company stating we could take advantage of the " disaster relief program '' because our county XXXX had many fires. We jumped on the program because they said we didn't have to pay our mortgage for 3 months and then we could resume payments. I made payments on XX/XX/XXXX and have made regular payments ever since. In the meantime, they have sent us weekly foreclosure letters stating we were behind in our payments. They also took the liberty and paid our taxes and home insurance. After six months they sent us a loan assumption with a large mortgage payment and a 40 year mortgage. This is not what they said they would do! We denied it per a telephone conversation and we were told we could just keep paying our mortgage. Today I received a bank statement with 2 options. We could pay the $ XXXX  immediately and make new mortgage payments of {$2300.00} ( our original payments were {$1700.00} ) or we would have to start paying {$3200.00} per month. We never told them to pay our taxes, we never told them to pay our home insurance. This feels like a scam. We don't know where to turn. Last month we paid back 2 out of the 3 payments we owed and paid our current mortgage payment. We have paid on this loan for 5 years and only owe $ XXXX. Our home is worth $ XXXX. I think they are trying to take our home away from us. I have a stack of letters from Wells Fargo, too many to send.

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 2018-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I had just opened a basic online savings account with TIAA Bank, which showed up in my online banking. Today, I logged onto my online banking and saw that TIAA had closed my online savings account without any kind of notice or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: FL

Complaint narrative:
As of XX/XX/XXXX, I have made 36 student Liam payments, ranging from {$250.00} to {$290.00}, to XXXX XXXX since XX/XX/XXXX under the Publuc Service Loam Forgiveness program. XXXX reported that I only had 19 qualifying payments. However, I was never told the I repayment plan I had no longer qualified for the loan forgiveness program. Each time I applied for a repayment plan I called them and asked for help to assure this would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I had another person 's name, address, phone number, and 31 adverse accounts mixed in with my credit report dated XX/XX/XXXX. I disputed this incorrect information with both Transunion and the creditors by mail and numerous calls. I finally received a corrected credit report dated XX/XX/XXXX. During this time my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$5000.00}, ( XXXX   balance ) and my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$2500.00} ( 0 balance ) were both closed. My XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$10000.00}, has been drastically reduced to {$1400.00}. All of these good long standing credit accounts were affected due to the incorrect information received from Transunion. This has ruined my good credit and none of it was my fault!!!

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 2018-06-20 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: United Revenue Corporation
State: TX

Complaint narrative:
The company is failing to stop reporting bills to credit agencies such as XXXX.

The bills have a responsible third party and are currently in litigation. Trail is wet for XX/XX/2018. My attorneys have notified the company ( listed below ) that the bills are RTP and in litigation. The company continues to report the bill to credit agencies. Ive disputed the reporting twice and have provided XXXX with proper documentation to cease and desist reporting.

UNITED REVENUE CORP Address XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
Freedom Mortgage is completely ignoring my email requests to start the process of removing the PMI on my mortgage. I am eligible to remove the PMI since the XX/XX/2018. I have submitted countless emails to them, they are completely ignoring every aimgle one of them. I need your help, please help.

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 2018-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
My TransUnion Credit report has an unrecognized and unauthorized Hard Inquiry. I would like it explained and corrected. I am basing this information off my XXXX XXXX account. Thank you! 

Date of Hard Inquiry : XX/XX/2017 Unauthorized Institution that Inquired : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC 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 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
After I get divorced, the Court give the warranty deed of the house located XXXX XXXX, XXXX XXXX Texas zip code XXXX, after this my ex wife mist a lot of payments and get bankruptcy with out my knowledge, this is affecting my credit score, I need the lender remove this of my record because I am not responsible at this time for the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hunt & Henriques
State: CA

Complaint narrative:
Im filing a complaint against the collection agency Hunt & Henriques. They somehow got a judgement against me without me ever being served. Although I told them from day 1 I was on XXXX, they continued to harass me until I paid them. They received a total of {$3000.00} from me some of which was garnished from my bank account. I repeatedly informed them I was on XXXX, but I didnt know until later that it was illegal for them to take my XXXX even with a judgment. I am sending what I have readily available to prove payment was received and Ill even send my benefit letter for proof of XXXX. I told them I was going to fight to get my money back from them and they claimed I gave it to them voluntarily. If judgments and garnishments are voluntary, I hate to see what the latter option looks like to them.

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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Um hi my name is XXXX XXXX I was was wondering if I can dispute the negative items on my credit report like bank fees and cell phone bills.

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 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Yesterday XX/XX/18 i called bank of america in regards to overdraft fees for help and they refused to help, the woman hung up on me after wasting 20 minutes of my time

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