vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
We are writing this letter to dispute a delinquent payment reported for XX/XX/2018 under our GM Financial account. 
Our account was set up for autopay and we were unaware that the autopay had an expiration date. 
According to customer service, the autopay ended XX/XX/2018 so our XX/XX/2018 payment was delinquent. 
We use autopay for many accounts and the autopay is usually continuous for the life of the loan/account. 
We explained to their customer service department that we didnt receive any notices that our autopay was going to be ending soon or that it needed to be renewed. They said that they dont provide these types of notifications because it is the customer who sets up the autopay. 
We also explained to their customer service department that we never received any phone calls that we were past due on any payments. They explained that the collections department tried to contact one of the numbers on file and was told not to call that number again. On further review of the loan application, it appears they reached out to my husbands HR department at work which he placed on the lease application to verify employment. They said that eventhough they didnt try to reach out to our cellphones, they are not required to even call us. The call they made to my husbands HR department was just a courtesy call. 
We would like to file a complaint against GM Financial as we do not feel GM Financial notified us appropriately before reporting a delinquency to the credit agencies. We feel that GM Financial should have either notified us that our autopay would be ending soon or that the autopay had ended. We also feel that GM financial should have called our cellphones not our HR department to reach us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I HAVE KINDLY ASKED LENDMARK FINANCIAL TO SEND ME THE INQUIRY DETAILS OF THEIR INQUIRY ON XX/XX/2018 but after numerous attempts I came here

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
It in collections its not my account, they wont tell me what kind of an account .I told them back in 2013 I had identy thief, come to find out its no the original debtors the amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: TX

Complaint narrative:
I open up a fraud investigation on a credit card account XXXX XXXX XXXX   and its has a high balance of XXXX and I didnt apply for this card and it was open on XXXX with a credit limit of XXXX and never applied and I send experian and XXXX documents to have this account to be removed and it was put back on my credit report on XXXX and I called experian yesterday on XXXX to have the credit block in place and they refused to do so and protect me from fraud and I have a membership with experian and experian never explain that the company has a claim dept for customers who had fraud charges I have a membership with experian and they refuse to remove that account off my credit report and its hurts my score and it went down to XXXX and Im so worried about my current credit cards and they will be closed due to low credit score ... .Experian told me I need to contact XXXX to have this fruad account removed and I contacted XXXX too many times and at first they said I wasnt held liable for this account and few weeks later they said I cancel the fraud claim and I never made a request to cancel my fraud claim XXXX credit card resume it and they are taking too long to resolve it its been over a year ... XXXX and XXXX removed this account off my credit report experian refused to do so

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 2019-02-12 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: AZ

Complaint narrative:
The following credit inquiries listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/2019 and XXXX XXXX XXXX, XX/XX/2019.

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 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
After Several Attempts to verify and Validate Debt it was unsuccessful the information is Being in correctly reported and Since They havent responded or validated My Debt it needs To Be Removed from My Credit Report due to FCRA laws and these Reports Are Hindering My Credit score and opportunity to be approved For A home Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: CA

Complaint narrative:
MY name is XXXX XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company XXXX  put 3 negative negative inquiry in my credit report like you see bellow i contacted XXXX  and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal here is my Confirmation # :XXXX with XXXX XXXX  Credit Report for XXXX XXXX XXXX  Name of Company Date of Inquiry XXXX XXXX XXXX : :XXXX XXXX XXXX Details XX/XX/XXXX XXXX : :XXXX XXXX   XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   : :XXXX XXXX Show Details XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.

AND THE SAME HERE WITH TransUnion  MY name is XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company TransUnion put 2 negative negative inquiry in my credit report like you see bellow i contacted TransUnion and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.

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 2019-02-12 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient put a delinquent amount on my credit report without making me aware of it. Ive not received one piece of mail from Navient at my new address regarding the amount owed. Ive always been compliant and paid on time. I did not receive any notice at my new address regarding the amount owed and only know about it because its on my credit. I should have 30 days to respond once I get something in the mail. Ive changed address and have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: DISCOVER BANK
State: TX

Complaint narrative:
I open up a fraud investigation on a credit card account discover financial service and its has a high balance of XXXX and I didnt apply for this card and it was open on XXXX with a credit limit of XXXX and never applied and I send XXXX  and XXXX documents to have this account to be removed and it was put back on my credit report on XXXX and I called XXXX  yesterday on XXXX to have the credit block in place and they refused to do so and protect me from fraud and I have a membership with XXXX and XXXX never explain that the company has a claim dept for customers who had fraud charges I have a membership with XXXX and they refuse to remove that account off my credit report and its hurts my score and it went down to XXXX and Im so worried about my current credit cards and they will be closed due to low credit score ... .XXXX told me I need to contact discover to have this fruad account removed and I contacted discover too many times and at first they said I wasnt held liable for this account and few weeks later they said I cancel the fraud claim and I never made a request to cancel my fraud claim discover credit card resume it and they are taking too long to resolve it its been over a year ... XXXX and XXXX removed this account off my credit report XXXX refused to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 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: IL

Complaint narrative:
XXXX put a delinquent amount on my credit report without making me aware of it. Ive not received one piece of mail from XXXX at my new address regarding the amount owed. Ive always been compliant and paid on time. I did not receive any notice at my new address regarding the amount owed and only know about it because its on my credit. I should have 30 days to respond once I get something in the mail. Ive changed address and have not received anything from 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 2019-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XX/XX/XXXX Affidavit of Facts Fact 1 When I requested the Bookkeeping Entries to show wells Fargo home Mortgage followed GAAP Law and the original unaltered Note and where did the loan originate, they then begin foreclosure procedures. I have a valid lien on the property as a secured party. 

Fact 2 Wells Fargo hired XXXX XXXX  XXXX XXXX XXXX XXXX XXXX they filed fraudulent papers and ignored my lien and claim to have sold the property to XXXX XXXX XXXX  on XX/XX/XXXX i went to the court house to bid on the property XX/XX/XXXX no one showed up to bid on the property. 

Fact 3 A man name XXXX claim he bought the property at auction XXXX XXXX XXXX, XXXX XXXX XXXX I haven't herd from him any more after informing him I have a lien on the property he said he would move forward if he can get clear deed and title to the property, all paperwork filed by XXXX XXXX XXXX XXXX is fraudulent the deed of sell is fraudulent if XXXX sold the property why didn't he satisfy the lien holder XXXX XXXX XXXX? 

Fact 4 I would like would like to know Why I cant get the requested the Bookkeeping Entries to show wells Fargo home Mortgage followed GAAP law and the original unaltered Note and where or who did the loan originate from?. 

Much appreciated, 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 2019-02-12 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: TN

Complaint narrative:
The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have  Disputed this many times as they are too old to be reported but they still remain on my credit report under XXXX and TransUnion And XXXX. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!

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 2019-02-12 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: TN

Complaint narrative:
The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have Disputed this many times as they are too old to be reported but they still remain on my credit report under XXXX and XXXX  And Equifax. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 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: TN

Complaint narrative:
The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have Disputed this many times as they are too old to be reported but they still remain on my credit report under Erxerian and XXXX And XXXX. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!

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 2019-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Iconic Mortgage Corp.
State: FL

Complaint narrative:
Misleading advertisement ( see attached ). The attached is misleading advertisement meant to get Veterans to call. There are no waiting periods based on the county in which you live through the Veterans ' VA Guarantee. Iconic Mortgage Corporation NMLS # XXXX is attempting to mislead you with this mailer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Account balance was paid in full on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or around XX/XX/2019 I sent a certified, return receipt letter to Equifax requesting method of verification of a medical collection showing up on my credit report with them. I received my return receipt acceptance dated XX/XX/2019. As of today XX/XX/XXXX, I have still heard no word from them. I was asking for a very simple request and because they refuse to cooperate or respond, they are in violation and abusing the system just because they think they can. 

FCRA 611 ( a ) ( 7 ) provides : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am uploading a letter I received from Experian credit reporting agency. They are refusing to re-investigate a few items that do not belong on my credit report. The first account is XXXX XXXX XXXX There are fraudulent items on this account and Ive disputed it many times. Now they want additional information which I do not have because its been years ago. I did file a police report when this happened and submitted it to all 3 credit reporting agencies. I contacted the police department for a foil copy but was told because its been so many years they do not keep these records after so long. XXXX XXXX XXXX XXXX has been paid and satisfied. I do not owe over {$6000.00} dollars I had multiple loans with them which were combined and refinanced and they total balance was paid in full. I do not understand because XXXX has corrected these items and received confirmation to delete off my report but Experian is not allowing me to redispute which is completely wrong because it is false information reporting and is causing a hardship in obtaining substantial credit. And to say they will not redispute this information is not right. My credit worthiness is extremely important to me. I wish to complain about this and considering starting a class action lawsuit.

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 2019-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I am an XXXX  who is currently in my 13th year working for the XXXX XXXX XXXX. I previously had loans with XXXX which were taken over by XXXX. The Public Service Loan Forgiveness was brought to my attention and I learned that my loans would have to be transferred to XXXX XXXX. Once everything was completed, I immediately noticed numerous issues. I have always consistently paid my loans and have never had poor standing in terms of paying on time. Based on the practices of XXXX XXXX, it seems as if they are purposely attempting to bring upon hardship and force me into a payment that I can not carry. My payment when moving from XXXX to XXXX XXXX was {$430.00} on XX/XX/XXXX. During the first week of XXXX, I called regarding finding out how to ensure that my loans would qualify for the PSLF since that is the only reason I moved my loans in the first place. Fast forward to now, I applied and come to find that my payment has increased! I just received notice that my monthly payment will now be {$630.00}! Never was I told that applying to change my repayment plan would increase my payment. I have a mortgage and other bills and this fluctuation in payment will create financial hardship in my household. It seems that each time I call and speak to a representative my payment increases and I am given conflicting information from each representative I speak to. I simply ask that my payment stay within its original range and now soar to what I am expected to pay on XX/XX/XXXX. Each time I call to ask for help, my loan has been put into forbearance without my permission or I have been given incorrect information that has led to a higher payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am uploading a letter I received from XXXX  credit reporting agency. They are refusing to re-investigate a few items that do not belong on my credit report. The first account is XXXX XXXX XXXX. There are fraudulent items on this account and Ive disputed it many times. Now they want additional information which I do not have because its been years ago. I did file a police report when this happened and submitted it to all 3 credit reporting agencies. I contacted the police department for a foil copy but was told because its been so many years they do not keep these records after so long. XXXX XXXX XXXX XXXX has been paid and satisfied. I do not owe over {$6000.00} dollars I had multiple loans with them which were combined and refinanced and they total balance was paid in full. I do not understand because XXXX  has corrected these items and received confirmation to delete off my report but XXXX is not allowing me to redispute which is completely wrong because it is false information reporting and is causing a hardship in obtaining substantial credit. And to say they will not redispute this information is not right. My credit worthiness is extremely important to me. I wish to complain about this and considering starting a class action lawsuit.

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 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: MA

Complaint narrative:
XXXX XXXX dated a letter XX/XX/2019 claiming the estate of my Mother owed their client. They did not disclosure any information pertaining to their supposed client. According to Federal Law they had 5 days from that XX/XX/2019 to validate debt. A letter of dispute was immediately sent. XXXX XXXX   sent another letter dated XX/XX/2019 disclosing their client and balance amount. Their letter is more than 30 days from their first communication once again in violation of Federal Law. Furthermore the lease signed by the decedent I represent states that it is not transferable in any way or for any reason thereby voiding it in it's entirety.

Company response to consumer: Closed with explanation