vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I took out my original unsubsidized student loan with sallie Mae 1st payment disbursed on XX/XX/XXXX for {$10000.00} and 2nd payment in XX/XX/XXXX for {$10000.00}. I began making my first repayment on XX/XX/XXXX. My interest rate is at 4.750 % with a co-signer. I have made payments since XXXXpresent with estimated pay off date given to be XX/XX/XXXX. My loan is now under Navient for the past several years. I never signed new documentation with Navient and was just told that they bought out Sallie Mae. I have asked Navient to provide me with information on fair interest rates or where I could search to find information regarding sallie mae 's lawsuits regarding interest rates and all the employees I have asked have told me that they do not know if such information or how to direct me. I also feel that I will have paid back an unfair amount back on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have XXXX XXXX to the credit Bureau to investigate into some items on my report. They have still not sent anything back from XXXX of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
As part of my separation agreement/settlement in XX/XX/2017, my ex wife became the owner and responsible of a XXXX XXXX debt, finance, insurance etc. and was supposed to go to Bank of America in XXXX, NC and change the vehicle loan under my name to her name or pay the difference on the auto loan. 

I came to find out this year that she purposely did not refinance the loan to her name and fail to pay numerous times since XXXX as a way to affect my credit that back then was XXXX points, the highest the XXXX XXXX dealership salesman has ever seen. 
as of today is in the XXXX 's! on XXXX. I am abolished by this. 

This is not the only time she has taken advantage of my name and Veteran status as she forged my signature endorsing herself my VA XXXX checks after the separation. 

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 2020-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
Hello i was contacted by this company a few months ago claiming that we owed XXXX XXXX money I informed them that we had insurance and give them the insurance info today XX/XX/20 they contacted me saying that insurance denied because it was too late to claim I asked the gentleman why didn't XXXX claim on time he said he didn't have anything to do with that and that he was a collection agency I then told him that while we don't owe this I am willing to pay them XXXX to close this matter he refused although I told him that's all I have and I asked for verification of the debt to be mailed to me and allow me my due process we don't owe this debt and completely deny it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
I originally called Toyota Financial Services on XX/XX/XXXX to discuss lease end options since I was not comfortable test driving new cars or visiting showrooms in the prime of the pandemic. I decided on that same phone call to extend my lease for six ( 6 ) months, through XX/XX/XXXX. During the phone call, I asked what actions I would need to take to renew the lease and after telling the representative that all previous payments were made through auto-pay ( I have always had my XXXX accounts on auto-pay ) the representative said there was nothing for me to do other than renew my vehicle tabs. 

Fast forward to XX/XX/XXXX, I received a voicemail from Toyota Financial Services with a request to call them back. Up to this point, I had not received any communication ( email, XXXX customer portal, etc. ) about any concerns with my account. Nor did I ever receive notice that my auto-pay was being or had been removed from my account. The delinquency ( which was XXXX error ) was reported to the credit bureaus before I was given a chance to rectify TOYOTAs error. I never received a letter or email stating my account was over due. Once I was made aware of the issue, I immediately paid the amount in full. The delinquency was reported to the credit bureaus before I was given notice. More concerning is that my auto-pay was cancelled without my knowledge and that the XXXX XXXX Representative advised me that there were no actions to take upon extending my lease by 6 months. 

The lack of communication and inability to now get ahold of the Toyota Financial XXXX XXXX team is unacceptable. Toyota Financial only allows you to speak to a frontline representative about your concerns, they do not allow you to speak directly to someone who can resolve credit reporting issues/discrepancies. You have to mail a letter or send a fax, and then wait for a mailed response. When dealing with an issue as sensitive and critical as your personal credit, this is inexcusable. Toyota Financial Services has taken no accountability for multiple missteps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
ONCE AGAIN I CANCELLED XXXX   MEMBERSHIP XXXX AND XXXX IS CAPURING CREDIT CARDS AND SYSTEMICALLY CHARGING DEBIT AND CREDIT CARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a payment and did not get a confirmation, and assumed the payment did not through, and proceeded to make a second payment, this time obtaining a confirmation number for the payment. 
I called customer service to confirm whether they had received one or two payments. I was informed they had received two equal payment, I requested for them to cancel one of the payment since it was a duplicate. 
On XX/XX/XXXX, {$3500.00} were drafted from my checking account. However, Shellpoint, reverse that payment on their end, and did not apply the credit to the loan account. They dispute that they never received the money, however, supporting documentation from my bank account shows otherwise. 
I have called for 4 days, sent faxes, emails, submitted requests from their online portal, called numerous time and no one knows what to do, how to fix this. 

The account is now past due, and I am unable to make further payments until I pay at least 50 % of the fees due according to their records. 

Shellpoint claims the never drafted the money but can not prove it. I have proof that they did take the money out, and did not applied to the loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
FINAL NOTICE TO BANISH MY CREDIT REPORTS/FILES FROM MY CREDIT PROFILE FROM YOUR DATA BASE AS XXXX IS TRYING TO DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
FINAL NOTICE TO BANISH MY CREDIT REPORTS/FILES FROM MY CREDIT PROFILE FROM YOUR DATA BASE AS XXXX IS TRYING TO DUE.

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 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX First Source Advantage, LLC XXXX XXXX XXXX XXXX, NY XXXX RE : XXXX XXXX Acct # XXXX Amount {$890.00} Dear First Source Advantage, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of XXXX  and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX   XXXX BANK CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the remove of the late payments I am currently full current yet the late marks are killing my credit score I could use some accommodation to help protect my credit .The CARES Act calls these agreements accommodations.

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 2020-09-16 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: AR

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
1. We started the refinance process on XX/XX/XXXX, 2020 and was assured that it would close within 45 days, we paid {$50.00} dollars instead of the requested {$500.00} to initiate the refinancing process 2. It is now XX/XX/XXXX2020 and no refinance 3. We have provided your company the necessary documents as requested 4. Your company was advised early in the process that any requests having to do with the XXXX property would NOT be filled as that property has NOTHING to do with the refinance of the XXXX XX/XX/XXXXproperty 5. After the 45 days passed we were asked to provide updated paystubs we did 6. Still the refinance did not close 7. Then you requested information concerning the XXXX property. Much to my chagrin my husband provided the information 8. We were provided a new estimate and was told the refinance would close in 3 days 9. The refinance didnt close, instead we get another request for more information concerning the XXXX property, which again was provided much to my chagrin 10. The refinance still didnt close 11. Today we receive a request for updated paystubs, which will NOT be provided, instead I have chosen to file a complaint against your company 12. You advertise that XXXX  Mortgage is the new way to get financing because it is all done online 13. The XXXX poor excuse I was given for our refinance taking so long was due to COVID-19, since the mortgage company was designed to operate online there is NO excuse why the loan should not have closed prior to the 45 days. The company did NOT have to scramble to come up with a new program to do business online

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REMAX
State: VA

Complaint narrative:
In addition to a recent rental application, there were two inquiries regarding purchase of land in Virginia and/or a newly built construction home in Tennessee. The land inquiry in Virginia was halted upon asking for a title search and the information attached to the ad will be contested ( in a separate consumer inquiry ) on the basis that the information is inaccurate and/or does not correspond with other historical documents. 

Therefore, this consumer concern addresses the new construction home as a second home purchase in XXXX, TN. In speaking with the Re/Max agent ( s ), this subdivision is pre-qualifying buyers for pre-sale of these newly constructed homes. In consideration of such previous incident ( s ) with the rental, I am submitting to Re/Max additional documentation that may not be supported on my credit report ( s ) because an accurate pre-qualification notice would not be yielded otherwise as seen with the rental application for the XXXX, VA location.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: AR

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Account # XXXX XXXX : XXXX, XXXX {$19.00} Dear XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX 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 2020-09-16 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: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX BANK CARD. The dates were XX/XX/XXXX2020, XXXX2020 XX/XX/XXXX-2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the remove of the late payments I am currently full current yet the late marks are killing my credit score I could use some accommodation to help protect my credit .The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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:
I INCLUDED DOCUMENTS, PLEASE TAKE THE TIME TO READ THEM. I am writing to file a complaint against XXXX. I have written letters on XXXX XXXX, 2020, XXXX XXXX, 2020 and XXXX XXXX, 2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. I requested that XXXX  provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. XXXX  has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. XXXX  continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX  to date. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance.

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 2020-09-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I INCLUDED DOCUMENTS, PLEASE TAKE THE TIME TO READ THEM. I am writing to file a complaint against Experian. I have written letters on XXXX XXXX, 2020, XXXX XXXX, 2020 and XX/XX/ 2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. I requested that Experian provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. Experian has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. Experian continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian to date. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance.

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