vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: NH

Complaint narrative:
I was sent a letter from XXXX XXXX XXXXXXXX detailing the sale of the leased car I had turned in early. The letter stated there is a refund amount of {$100.00} DUE TO ME, and will be mailed to me within 30 days of the date. ( XX/XX/XXXX ) of the letter. 

I have made numerous calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) involving hours of my time to the only number listed to call and I have been passed off from one customer service person to another and given excuse after excuse after excuse. My last phone communication ( XX/XX/XXXX ) I was told that the payment would be processed/ " expedited '' but that never happened either. I have received one scripted email ( XX/XX/XXXX ) from a so called " Customer Experience Specialist '' that I replied to with my frustrations and I have never gotten a reply with a resolution to my specific situation. 

I know {$100.00} is not much, and it isn't even about the money anymore. At this point I want XXXX XXXX XXXXXXXX to be held accountable for not processing refunds that they owe to me and who knows how many hundreds of other people. How many thousands of dollars do they have hiding in their books somewhere that they are assuming ( hoping ) people aren't going to bother to go to the lengths that I am to get what is owed to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: IL

Complaint narrative:
On XX/XX/XXXX, I mailed XXXX XXXX a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX processed by check and have yet to send me a receipt or send the 3 Credit reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for 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 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have reached out to Experian for inaccurate information off my credit reports. 

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Chapter XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Chapter XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : {$0.00} I am unaware of the above listed accounts. I have asked them to validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to  appear in a court venue local to me, in order to formally defend yourself.

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 2018-08-28 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: IL

Complaint narrative:
On XX/XX/XXXX, I mailed XXXX XXXX a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX processed by check and have yet to send me a receipt or send the 3 Credit  reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have submitted all documentation as asked to Synchrony bank in regards to my XXXX benefits and they will have not applied them to any of my accounts.

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 2018-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Can not get credit report after placing freezes on accounts with bureaus ... victim of identity theft and fraudulent accounts being opened ... ..my middle initial is incorrect corresponding with my social security ... .somehow the identity theft has changed my legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: IL

Complaint narrative:
I paid my XXXX XXXX account in full, however, XXXX XXXX reported that I paid in settlement. I contacted to XXXX XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: IL

Complaint narrative:
I paid my XXXX 'XXXX account in full, however, XXXX 'XXXX   reported that I paid in settlement. I contacted to XXXX 'XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.

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 2018-08-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I paid my XXXX 'XXXX account in full, however, XXXX 'XXXX   reported that I paid in settlement. I contacted to XXXX 'XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.

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 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SunTrust Mortgage is holding our insurance claim proceeds in the amount of {$95000.00} from Hurricane Irma. The mortgage company completed the final inspection of our home 's damages in XX/XX/2018. The insurance claim payment was received as a result of a settlement agreement after procuring the services of a public adjuster.

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 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Risecredit, LLC
State: WI

Complaint narrative:
RISE Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: VA

Complaint narrative:
Since XX/XX/XXXX, I have been trying to clean up my report of duplicate student loan reporting. EXPERIAN continues to report unverifiable student loans ; fraudulent accounts, and RE-aged debt by debt collectors. The student loans that were or should have been in FORBEARANCE during school attendance from XXXX to XXXX. As of XX/XX/XXXX all of the loans have been paid in full yet, they still show derogatory unverified student loans and their statuses on my credit file. Loans that have been paid in full are reflected negatively. 
The total loan debt of {$65.00}, XXXX because of their inaccurate reporting have doubled to {$120000.00} that they report negatively even though documentation from the XXXX XXXX XXXX XXXX reports to the contrary. They have a complete absolute mess!!!!!

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 2018-08-28 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:
I disputed my Equifax report on XX/XX/XXXX and the results of the investigation I received on XX/XX/XXXX. XXXX XXXX XXXX  XXXX account # XXXX is a old account opened in XXXX this needs to be removed from my credit report entirely that is more than 17 years old. I  want it removed asap. 

The XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Tx XXXX. I paid this note off in full on the XX/XX/XXXX. I told Equifax this and it is still showing on my credit report that I owe  {$13000.00}. I want this updated immediately. 

XXXX XXXX XXXX account was opened in XXXX more than 10 years ago this account is paid in full years ago. I want it removed from my credit report immediately. Instead Equifax put a temporary freeze on file. 

XXXX XXXX XXXX XXXX account number XXXX account opened in XXXX account is more than 10 years old. I want it removed from my credit report immediately. 

XXXX XXXX XXXX account number XXXX account was paid in full and is more than 8 years old. I asked Equafax to remove this account but instead they put a temporary update freeze on file. 



I have proof of payoffs and all account information along with Equafax credit report dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
MRS BPO of XXXX XXXX XXXX, XXXX XXXX, NJ is telling me I must pay them {$63.00} on behalf of XXXX. I called XXXX and they said I have no balance due with them. This was attempted previously by another fake debt collector, which used a real debt collector 's name, but a different address and phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has had my account frozen and ... '' In Dispute " ..for over 2 months. I can not even get a response. I am on hold till they obey the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the XXXX and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-28 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: Nelnet, Inc.
State: IL

Complaint narrative:
My loan service provider NELNET is making mistakes in allocating my payments to my student loans, has failed to notify me of these errors, and refused to provide documentation of the error in writing when specifically requested. 

I have 2 fixed rate student loans serviced by NELNET and I noticed this month XX/XX/2018 that my payment amount was less than half to only one of my loans. This has never happened before. I called customer service at Nelnet and was told there was a loan servicing error in XX/XX/2018 ; I was told only loan group A received my payment in XXXX. I was not notified of this servicing error and asked for written explanation by email, but customer service refused. I was told that NELNET was alternating payments between the two loan groups and only half was due each month which makes no sense. The amount I pay is the same regardless of how the NELNET allocates my payment between the two loan groups and should not effect my payment amount due each month. 

It seems to me there may very well be an ongoing error which has not been fully explained to me nor fully understood by NELNET. Their inability to explain the error or provide written confirmation of the error leaves me vulnerable to penalties and fees for their mistakes. It seems that since their merger in XXXX with XXXX XXXX XXXX XXXX XXXX XXXX has led to serious internal mistakes in record keeping regarding amounts owed by individuals and performing their primary function in servicing loan repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/XXXX, XXXX, and XXXX 2018 i noticed hard pulls appeared on my credit report that I didnot authorize. This is my third attempt at trying to get these inquiries removed from my report the companies have not sent any information verified I sent information to aquire these inquiries.

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 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MA

Complaint narrative:
On XX/XX/2018, the company servicing my mortgage, XXXX XXXX XXXX , XXXX, ( XXXX ) transferred my account Selene Finance LP. I was on a repayment with XXXX that was difficult to make. I had to enter the agreement as they were threatening foreclosure. Selene Finance LP decided to keep the same repayment plan. I was advised by Selene even if they were to do a loan modification, it wouldn't work in my favor ; the payment would be higher than the current one. When I got the statement from Selene after the transfer, included was the payment coupon in the amount of {$740.00}. Thus far, I have sent {$2000.00} to Selene and they have not applied it to my mortgage. They said they want the remainder of the first payment. I sent in {$750.00} with the coupon. After speaking with Selene, several times, the answers to why the money hasn't been applied to my account is inconsistent. Twice, I've been told that the money will be returned. To date, it has not. They said I am in foreclosure status. Also, an enormous amount has been added to the total mortgage amount owed ; on XX/XX/XXXX, XXXX, {$140000.00} to {$170000.00} as of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, Currently I have an account that appears in collections on my file from a collection agency by the name of Alliance One Receivable Management , Inc the account # XXXX. Please be advise that I am disputing this collection due to the fact Alliance One Receivable Management, Inc XXXX XXXX XXXX XXXX, WA XXXX does not have a valid license in Florida to collect debts. This information is stating that their company does not have a registered license to collect debts in the state of FLORIDA according to Florida Office of Financial Regulation XXXX XXXX XXXX XXXX XXXX, FL XXXX. I am requesting that you investigate this matter and delete this account from my credit files immediately or provide me with physical proof that Alliance One Receivable Management , Inc are licensed to collect debts in the state of Florida. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have no knowledge of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/2018 .... American Express closed my two accounts stating payments were not being made to the accounts. Which my payment historys showed various payments to both accounts. Upon the accounts being closed American Express failed to send a final bill. After reporting this I recived a letter of apology. Again no final bill recived. American Express proceeded derogatory marks on my credit report about late payments, which the accounts were closed with no final bill received. Again I filed a complaint which American Express replied they no longer overseen the account since XXXX. Moving forward to contact credit collecting agency which has the accounts. Which I have done. American Express again made derogatory marks again increasing the amounts due. Again I filed a complaint and recived a letter that another credit collection agency is overseeing the the matter they have no control. Which has a different agency! 
Upon closure of the accounts Account ending # XXXX transferred to XXXX XXXX XX/XX/2018 {$960.00} Account ending # XXXX transferred to XXXX XXXX XXXX XX/XX/2018 {$320.00} American Express no longer handles accounts but will not remove derogatory marks Recently received a letter from another agency with different amounts. 
Was not made aware of American Express taking back the account to add additional fees Nor of the new collection agency

Company response to consumer: Closed with explanation