vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
notified that there was a collection on my credit file XXXX from Ability Recovery Systems LLC in the amount of XXXX original creditor was XXXX XXXX. I have never had an account with XXXX XXXX also Ability Recovery never sent me a collection notice or tried to contact me by phone. I have not had the chance to dispute this debt collection. Secondly, Ability Recovery Systems LLC is in violation of Texas Debt Collection Act, and Texas Finance Code 392.001. I want this tradeline removed from all 3 major credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I ETS out the XXXX XXXX XXXX 2014. In order to clear the post I had to settle all debts. One was to XXXX and the other was to the AAFES on post. With my severance pay I got from the military. Both companies then took payments out my severance package so I can complete my clearing. I've never stepped inside another military AAFES after I got out.

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 2018-02-09 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: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OPN XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OPN XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.

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 2018-02-09 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XX/XX/XXXX I contacted Navient about student loan forgiveness or Debt Consolidation. As I was beginning the process they placed my loan in deferment. In XX/XX/XXXX the Debt Consolidation was concluded and my new servicer is XXXX. On XX/XX/XXXX Navient reported to the credit agencies that my loans where over 120 days late on payment as of XX/XX/XXXX. I contacted Navient and they said that since my loans where no longer with them they could not help. This caused a sever drop in my credit score which has caused me to be denied for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my wife, XXXX XXXX, and I, XXXX XXXX XXXX, applied for an auto loan and were approved by GM Financial. The term of the loan is seventy-two ( 72 ) months at 0.00 % APR with a first payment due date of XX/XX/XXXX. 

The tradeline was first reported on XX/XX/XXXX which reflected an original loan balance of {$55000.00}, the term, a monthly payment amount, and a current and joint responsibility account status. 

As of today 's date, XX/XX/XXXX, my credit report indicates that GM Financial has not provided a payment history or current account status ( please see attached ). We note here in passing that we have successfully made two ( 2 ) payments each in the amount of {$770.00} on XX/XX/XXXX ( which was scheduled on XX/XX/XXXX ) and on XX/XX/XXXX ( which was scheduled that same day ) ( please see attached ). Notwithstanding our timely payments, GM Financial has failed to report our current account and payment history status to the major credit reporting bureaus since their initial tradeline report on XX/XX/XXXX. 

In an effort to resolve this issue, I called GM Financial 's customer service department onXX/XX/XXXX, waited for almost fifteen ( 15 ) minutes to speak with a representative, and was advised that they do not show any derogatory information reported on our account and that they typically report every thirty ( 30 ) days. The proposed resolution was that the representative would contact their credit report team and have someone call us back as soon as possible. When I requested the information that was last reported to the credit reporting agencies, the representative was unable to offer any information other than no derogatory information has been reported. When I requested to speak with the credit report team, I was advised that they do not accept customer calls and only accept internal emails from representatives of GM Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX has run Hard Credit Inquiries on my Account. 

I have not authorized Chase Bank to Run Any Soft or Hard Credit Inquiries. 

When I called Chase Bank to inquire into why they were running Hard Credit Inquiries, I was told that there was No Department that Handles this type of issue and that I had to address the issue through the Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
We made a purchase at Best Buy 3 years back for {$6200.00} and it was advertised as " 0 '' interest for 3 years. They did not explain at the time of purchase the difference between " deferred interest '' and " 0 interest ''. I set up a monthly payment of $ XXXXmonth for the past 3 years and the promotion ended on XX/XX/. I did not realize that I had a balance of {$1100.00} at that time and they now charged me an interest asking to pay {$7100.00} instead of my balance of {$1100.00}. I was not familiar with how this process works and feel it is a rip-off from Best Buy/Citi credit cards.

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 2018-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had applied for a loan modification last year and was working with the CIT bank. During the process, I was to have all documents in by a certain date. However, as I was going through the process, I was working directly with the underwriter to get the bank exactly what they were requesting. The information I was sending was getting rejected so I had to keep sending in different things to satisfy their requirements. When I finally gave them everything to their satisfaction, they denied me based off of the fact that I didn't give them all of the information by the date they requested. I don't understand how they could do this as I was actively working with the underwriter of the bank. So basically, the bank gave me the run around and waited until after my due date for all of the information to be approved and denied me because it was after my due date when they received and approved my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have been trying to contact Experian for months now! I have been calling constantly to cancel this membership! It is impossible to talk to someone! I have been on hold for hours and hours and sometimes it just disconnects the call! They have been charging me $ XXXX/month for a service that I CAN NOT cancel and DO NOT use. This is the biggest scam ever!

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 2018-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST GUARANTY MORTGAGE CORP
State: CO

Complaint narrative:
I have talked and emailed XXXX XXXX of First Guaranty Mortgage Corporation, my interim Draw Administrator concerning the Monies were not used to pay subcontractors and the percentages that should have been 100 % as per the First Guaranty Mortgage Inspector. all the issues below since XX/XX/XXXX.  I have asked XXXX XXXX for a copy of the Inspectors report and still have not received that document. 

XXXX XXXX XXXX the General Contractor has {$40000.00} of my monies is in his bank accounts. His partner, and himself ended their business relationship on, XX/XX/XXXX. At that same time, XXXX XXXX XXXX, Also he took {$9000.00} from wife and myself as he said it was needed for the excavation contractor. I have asked XXXX XXXX for the signed Lien Release and still have not received that document. 

. During the Reorganization at First Guaranty Mortgage Corporation ( FGMC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, and the change of service administration to XXXX XXXXXXXX a construction management company, who my contact is now XXXX XXXX phone number XXXX. The past Draw administrator let XXXX XXXX XXXX have 100 % of several Line Items which is an error on the FGMC, Draw Administrator during that period. I have contacted the VA Loan Office in XXXX and opened the case # XXXX and have mentioned that this problem is a fiduciary miss management and possibly with criminal intent. I was told to contact the VA administrator for First Guaranty Mortgage, XXXX XXXX, at XXXX and have not heard from her at this point. 

The construction has stopped and XXXX XXXX XXXX no longer involved.

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 2018-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX I contacted XXXX about student loan forgiveness or Debt Consolidation. As I was beginning the process they placed my loan in deferment. In XX/XX/XXXX the Debt Consolidation was concluded and my new servicer is XXXX. On XX/XX/XXXX XXXX reported to the credit agencies that my loans where over 120 days late on payment as of XX/XX/XXXX. I contacted XXXX and they said that since my loans where no longer with them they could not help. This caused a sever drop in my credit score which has caused me to be denied for my home loan.

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 2018-02-09 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX  XXXX XXXX  card said they denied me because of fraud alert on my account listed by equifax issue I was told they have verification process call or write but information sent in last report on this from equifax sent in copy of my billing, and my information to correct, but it seems they did not correct phone numbers XXXX or XXXX, so since information was incorrect on equifax report that i just tried to chat to equifax about said this been mailed in and faxed in but still wrong, told have to request a credit report and there is no one at equifax I could talk to and fix this not sure why or fax information again, very frustrating been working on this and if best buy rerun my application my score gets nicked documented each time which seems to be a data base miss entry or issue equifax had over hack or whatever just need to get this fixed own my house lived same place since XX/XX/2010, so not sure what else to do since can not fix this evidently by going to their site and asking them for help sort of rough like to get it fixed even sent copy of my license awhile back when requested verification on address and or myself as who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: FL

Complaint narrative:
The mortgage payment for account # XXXX with XXXX XXXX   XXXX was paid but my credit report shows past due and last activity on XX/XX/XXXX. The mortgage was paid off on XX/XX/XXXX. The following is incorrect and on my Equifax credit report : Company/Account Name : XXXX XXXX   XXXX Company Address/Phone : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : XXXX Rate/Status : Not more than two payments past due High Credit : {$190000.00} Terms : XXXX Balance : {$160000.00} Past Due : {$1300.00} Most Recent Date Reported : XX/XX/XXXX Comments on Account : Real estate mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet approves the loans obtained from XXXX. Nelnet should have obtained my XXXX XXXX application in XX/XX/XXXX at which time it would have been approved as it was in XX/XX/XXXX. XXXX  acknowledging that a XXXX XXXX XXXX is on their XXXX XXXX  loan program approved list should have disclosed the program to me back in XX/XX/XXXX. The loan/program process was delayed for years as XXXX failed to disclose the XXXX program to me which delayed & continues to delay the process/closure of said process. 

XXXX despite knowing from XX/XX/XXXX-XX/XX/XXXX ( undocumented call post graduation XX/XX/XXXX at which time disclosed my head injury and was informed of the now 6 mo grace period ) that I had suffered a XXXX XXXX XXXX in XX/XX/XXXX due to an XXXX  and continued to be XXXX from it today was never offered the XXXX XXXX  program option. I was constantly steered into other loan programs that allowed accumulation of funds/interest. 

I wish to know why in a specific response : 1. I was constantly steered into money producing programs benefitting XXXX, but was never offered the XXXX program as an option. 

2. A XXXX XXXX XXXX definition is listed under XXXX 's allowable XXXX XXXX loan program therefore why was it never offered to me when you knew I am suffering a XXXX XXXX XXXX and it is an allowable injury/illness under the XXXX XXXX  program as a loan remedy/option? 

Having the knowledge of what illness/injuries fall under the XXXX program but failing to disclose the program appears to be a failure to provide available proper loan programs to those they serve, possible a civil rights issue. As per their own criteria they knew I qualified for their XXXX loan program and per their own XXXX illness/injury standards but failed to disclose the XXXX loan program option to me. 

I request you ask XXXX as XXXX XXXX XXXX   are listed under their XXXX XXXX program as an allowable injury why did they deliberately deny me since XX/XX/XXXX the right to apply for the available XXXX loan programs by deliberately steering me only into loan programs that financially benefitted XXXX and disallowed me to right to the XXXX loan option. XXXX approved my XXXX XXXX but it was delayed for years unnecessarily as XXXX deliberately failed to disclose the program option that would better meet my needs due to my XXXX. My medical documents prove clearly my XXXX XXXX   occurred on XX/XX/XXXX and continued through XX/XX/XXXX, as it does today. This documentation shows also that I qualified for the XXXX XXXX XXXX back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
i wrote a goodwill letter to Honda financial in XX/XX/XXXX in regards to my old XX/XX/XXXX Honda account showing up on my credit report and needing to be removed. I spoke with a representative who advised me he would have my late payments removed from the account. Instead what he did was changed the days late and did not remove any payments. I then spoke with Honda again because my second lease was ending. I was told by that rep that if i stayed in the Honda family my oldest XX/XX/XXXX account would be removed. When i went to the new dealership they said Honda refused to remove the old account and actually wanted to charge me HIGHER for a new vehicle if i stayed with them. when i called again they transferred me to a different woman who said to write another letter and dispute it with the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I tried to dispute charges on my Citi Card with a company called XXXX   XXXX XXXX. The charges on 2 of my Citi Cards totaled over 8,800.., but I paid XXXX XXXX in total over {$16000.00} for services that were never provided. That is the reason for this dispute : I did not receive the product and services as was described to me. 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to make a successful online business. 

In that period, I was taken advantage of and defrauded for thousands of dollars by these companies who allegedly and falsely promised me great earning potential. I was led to believe I would greatly benefit by signing up with XXXX XXXX XXXX to market my website. In total I have paid them thousands of dollars to create a website that is worthless and non- functional. Instead I have been left with severe debt because of their false promises. 
It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.

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 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In reference to CFPB case noXXXX and Bank of America case no XXXX. 
BOA has deliberately refused to address my dispute. This dispute has been going back and forth until present. The bank responded to a dispute that has already been resolved, and irrelevant or illegitimate documentation has been submitted to cfpb. The dispute about the cancelled ticket from XXXX XXXX has already been resolved. The tickets were used the following year ( XXXX ). Again my dispute is a charge of {$7300.00} on my card dated XX/XX/XXXX for a PURCHASED round ticket for XXXX from XXXX. I did not or ever purchased a ticket on the said date. I did not acknowledge any purchase of such and never received a MERCHANDISE. I can not stress that enough. I am therefore requesting proof of purchase and merchandise delivered for that payment. That is what BOA should have requested from a merchant before paying money out. Merchants should not charge to please themselves because they have a consumer 's card information on record. To avoid legal fees and any inconveniences, I want this to be settle amicably. I can not not stress that enough, that the charge on the card dated XX/XX/XXXX was not a cancelled transaction but a claimed purchase by the merchant which is in dispute. So for BOA to send a mail out indicating the rights of a merchant to operate business independently and set cancellation policies is preposterous and not holding for a charged item. The bank can not pay any money out to any individual or company without my concern and inform me to take it up the merchant when there is a fraud.

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