vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-12 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: MA

Complaint narrative:
GM Financial last reported my car payment as past due in XX/XX/2017, and in the 5 months since have not updated my credit standing to any of the bureaus. I am not past due, and am in fact making my payments early. After calling GM Financial multiple times regarding this issue, they've informed me that due to a system update in late XX/XX/XXXX they were unable to correct the problem. This has affected my credit negatively, as it a ) shows I have been past due since XX/XX/2017b ) I haven't made a payment since that time c ) I have a high debt balance as a result.

GM Financial has refused to make amends and fix their mistakes time and time again. They've reported me as past due multiple times in the past simply because they forgot to update my account once payment was received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am the co-signer of a loan for a XXXXXX/XX/XXXXXXXX XXXX XXXX ; a car leased by my daughter. On XX/XX/XXXX, she was involved in an auto accident and charged with a XXXX. This case is still in court and has not as yet been adjudicated. Around the time of her accident, her initial lease period was up, and not knowing what else to do, she verbalized a request for a six month lease extension. The car was impounded ( impound #XX/XX/XXXX ) and stored at a police lot. She was originally told that Chase would pick up the car and either have it fixed or auction it, or they would allow the police department to auction it. Three months later, we still don't know the status of the car as XXXX ( XXXX XXXX  ) the case manager.keeps telling us that she doesn't know what is going on with the car and has no answers to our questions. We have called her about eight times since late XX/XX/XXXX or earlyXX/XX/XXXX The only thing she tells us is that the bank 's attorney and the police department attorney need to talk to discuss what will be done with the car. This is told us despite the fact that my daughter 's attorney spoke to the DA, back in XX/XX/XXXX, and was informed that there was no issue with releasing the car and they sent paperwork to Chase months ago informing them of this. Meanwhile, they keep charging my daughter and expecting her to pay lease payments on a car that is no longer in her possession and never will be again. I feel that we are being held hostage by this situation, and no one is trying to resolve the matter in any kind of a fair or equitable way. Chase seems content to just keep stalling and keep charging us for a car that they seem to have no desire to do anything with except leave it in limbo forever. They have been anything but helpful and perhaps dishonest or at the least not forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AES/PHEAA
State: ID

Complaint narrative:
Called me at XXXX XXXX did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast  address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I sold an item on XXXX. Payment was made by the purchaser to my account on PayPal.com. PayPal.com has seized my {$28.00} and refuses to make these funds available to me. They will not provide my funds nor provide an explanation for this seizure of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The credit report has me at late payment for XX/XX/XXXX. I did not purchase the XXXX  until XX/XX/XXXX. I was never late on my payments. Experian as the account opened as of XX/XX/XXXX. I am not sure how I can have a late payment a month before I purchase the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I have disputed the account on my Equifax credit file XXXX XXXX XXXX {$3800.00} within the last 12 months. This account is not my account. Equifax deleted this account and then put it back on my credit file. I requested by letter that Equifax send me how they came to the resolution that this account is mine. Equifax failed to furnish their evidence and completely have ignored my request. This account was opened in the state of Oklahoma. I have never lived in the state of Oklahoma. I have filed a CFPB complaint against XXXX XXXX XXXX # XXXX. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Weinberg Mediation Group LLC
State: TX

Complaint narrative:
Winberg Mediation Group contacts every person and even employer they can. they called my parents brothers former and current employer. informed them that i was being sued. additionally have threatend me with a law suit if they werent paid. as recently as today by XXXX XXXX. Attached is a copy of a message left for my boss

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
OnXX/XX/XXXXI received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me onXX/XX/XXXX Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXXBank of America received payment Of XXXX to close the loan. It has 148 days and counting And still I can not prove I own the home I live in.

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 2018-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
This collection account magically appeared on my credit report from Commonwealth Financial with no notice in the mail or phone contact. I have no knowledge of this alleged debt. The put this on my credit report " damaging '' my credit score. I have sent a letter to Commonwealth Financial asking for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My wife had a credit card in her name with Wells Fargo Bank that I did not know about when she took it out. My wife passed away onXX/XX/XXXX Based on the credit reports, she had paid through the date of her death. I was approved by the County Probate Court as executor. I settled all debts of hers that I was aware existed which were few other than burial expenses. The County advertised for all creditors to file claims against the estate as required by law. Wells Fargo did not file any claim against the estate. They also did not notify me of the debt which would be correct since I had NO legal obligation to pay it other than through her estate and was not aware it existed. The estate closed 6 months or so after the initial filing of the will in Probate Court and the required legal notice to creditors.

A month or two after my wife died, Wells Fargo started reporting the debt as a past due obligation of mine and proceeded to trash my credit history, good name and character. I learned about this defamation when I was denied credit inXX/XX/XXXX. I contacted Wells Fargo and was informed that they would investigate. They sent a letter to the estate and stated that they would erase my name from the file after trashing me for 27 months for a debt that wasn't mine. They claim that they have made no mistake and offer nothing more. They sent the letter to the estate only and have not sent any communication to me, yet I am the aggrieved party. I called and left a message for them to call me and they have not bothered to return the call in 2 weeks. The Wells Fargo case # is XXXX.

Corrrecting their mistake by deleting me from their records is required by law and they refuse to even acknowledge that they messed up. They have not done anything to address 27 months of erroneous reporting. Their response is wholly inadequate to compensate me for attempting to destroy my credit because my wife died and they failed to do their jobs correctly and file a claim with her estate. They should not be allowed to make up false and fictitious allegations against me for their inability to handle the debts of a deceased customer and should be fined and or offer compensation beyond we'll fix our mistake after making it 27 months in a row. They wouldn't even have done that had I not filed a 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 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have Transunion 's TrueIdentity  and have requested multiple times for them to stop contacting me with promotional items, on line and over the phone, several times. The company refused to stop contacting me and is of absolutely no assistance in the matter. To make matters worse, the promotional emails contain a link to unsubscribe, which I have done and yet it does not work. The promotional emails also say you can log into your account and change your user preferences, which I have done and yet it also does not work. On top of this, I have called Transunion several times to request them to stop the emails, but they say they are unable to help me. They said I need to get on the Consumer Credit Industry opt out program, but I am already on that list. 
I highly suspect they are unwilling to help me, and this whole process my be illegal. Please investigate the this matter. It's just incredibly rude & possibly illegal. Thank you

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 2018-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The company I C SYSTEM INC has listed a debt on my XXXX  credit report in the amount of {$75.00}. I've repeatedly disputed that the debt is not mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.

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 2018-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
In the last several years Navient has had issues keeping the details and the payments straight for my personal and federal student loans. They have given me advice that has resulted in the loan balances growing versus dropping. the private loans are now almost 25000 over the original amount borrowed. I have signed up for their rate reduction program and have had the payment automatically deducted for the last 3 years. In that time I have received numerous calls informing me that the payments are late, that the payments have not been made or applied even though they have deducted the money from my bank account. There have been many times it has taken me over 10 hours on the phone with their customer service representatives, only to be passed from one person to another, and in the end they say they have fixed it and then I receive another call a couple days later about the same issue. I have not been able to access my online account information for several years, and when I call to try to resolve this issue they tell me that the information I give them is incorrect. At one point they told me that my birthdate was not the same as what they had on file. The DOB that they had on file would have made me 16 years old. The few times that I have been able to access their online account information it shows the payments received for my federal loans but none of the details, and it shows the details of my private loans but none of the payments that have been received. I am only the cosigner on these private loans, but I am the one making the payments. The customer service representatives are vary difficult to work with when they see this fact. I did contact an ombudsman with Navient to attempt to resolve some of these issues and she talked to me once and appeared not to be surprised by the issues I was having. Yet it hasn't changed the way things are handled. The primary borrower filed bankruptcy and that created a whole set of new issues regarding these loans, and although the company still continued to receive my payments during that time I got numerous calls that informed me that the payments were not being made. I am overly certain that the payments are not being applied in an appropriate manner and it would take a financial genius to navigate Navients system to be able to prove that they are doing so. At this point they have me stuck in a payment system that will require 95 years of payments to pay off these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Since I have had my BarclaycardXXXX Rewards, Ive missed only one payment. I tried to use my card and it declined on XX/XX/XXXX. I knew what me available balance was because I had just paid on it. I was trying to use my XXXX rewards on an XXXX  product. I called and was informed it was a system generated closure due to policy and it just generated onXX/XX/XXXX. The same day I used the card! The customer service rep, along with the manager could not tell me what policy of theirs this was pertaining too. But insisted I wait on the letter to tell me. I called again onXX/XX/XXXX, the gentleman was very honest in saying he has no idea what policy this is but would get me over to their another Department. The new Rep from the Credit Profilo Department told me that they checked my credit and notice delinquency with another merchant that triggered them to close my acct. I told him to check how often I have been delinquent with them and he said it didnt matter, its in our disclosure. I asked him to tell me where, give me a page number and I could look it up. He said he only had a printed copy on his computer not the actual disclosure. Then he proceeded to tell me another department would mail me one, but its available online. Since I was on my phone I had already looked online and it was to request one by mail also. When I said that he said oh well they informed me itll take 30 days to receive. I researched on other forums with this particular credit card company and this seems they do this often with their fairly new consumers that have their card for 6-8 months then they close they acct. This is a major blow since I needed to keep this card open to rebuild my credit after Irma. Which was why only one card closed. Totally unfair and very shady practice!

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 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: TX

Complaint narrative:
XXXX 2017 we decided to take out a new home loan with Supreme Lending located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, we were promised several different interest rates and finally 4 days before we closed we received documents to sign locking us into a higher rate without any explanation. The entire home buying process with this office was a disaster to include the loan processers were non-responsive at times to emails and calls up until closing date. Throughout the loan process simple things were not communicated with us such as ; exact close date & time, what additional documents needed/required, what type of loan approved for and something simple as what interest rate could we expect to be locked into. There were many clerical errors made in which held of the loan process and finally several of the staff were rude and unprofessional when they were contacted to obtain clarity.

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 2018-04-12 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/XXXX. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA PUBLIC FILINGS US BKPT CT IL XXXX XX/XX/XXXXBKPT CHPT XXXX DIS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: NC

Complaint narrative:
I went through the CFPB because I saw two collections I knew were not mine from XXXX XXXX XXXX. The response is attached ; XXXX XXXX XXXX does not have these. Yet nothing has been deleted.

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 2018-04-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX XXXX  are reporting erroneous and unsubstantiated information on my credit report. Each time I request a removal or an explanation from the source providing this information ; I get the generic response from Equifax and XXXX XXXX " This information meets the FCRA ''. They do not provide documentation which supports these erroneous entries on my credit report. I have contacted the courts as well as the IRS who have stated that they do not report or verify any information to the credit reporting agencies and they do not have any such information in their systems to support these reporting on my credit report. I have requested that Equifax and XXXX XXXX  provide me with the source in order for me to address this matter with them directly. Equifax after several attempts to retrieve this information, finally stated that XXXX XXXX was the source. I contacted XXXX XXXX who has provided documentation which states that the information could not be verified and would be removed from their data base. I sent this information to Equifax and XXXX XXXX last year and they still refuse to remove this very damaging and inaccurate information from my credit file. I am attaching the correspondence and communications to and from Equifax and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: NC

Complaint narrative:
I went through the CFPB because I saw two collections I knew were not mine from XXXX XXXX XXXX. The response is attached ; XXXX XXXX XXXX does not have these. Yet nothing has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: AL

Complaint narrative:
On XX/XX/2018 I reported to Experian, XXXX  and XXXX that an account appearing on my reports was fraud. I notified idenitytheft.gov and followed there reporting procedures for identity theft. I sent a certified letter to XXXX and all 3 credit reporting agencies. XXXX  immediately removed the account, but Experain and XXXX have not. 

Know Experian is reporting this account as 90 days past due and charged off. This has resulted in my credit being damaged and has effected 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