vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: FL

Complaint narrative:
Vehicle has had issues since the we received the car, car and never gave option given the first issue regarding the steering they requested chance to have it repair while this ran up time with the return warranty, therefore once the vehicle was received back from manufacturer it wasnt able to be returned. Feels as if they set me up. They never offered to trade it for another car. Regarding last complaint this was offered. To trade in the vehicle. If there is a trade in option on the table They need to send proper paper work and start this process or have manager handle this issue professionally as the experience hasnt been the best. Company is lying, my requests were denied I have records of everything. The vehicle was never accepted to be returned even upon receiving it and issue being recognized while receiving the car. This is my last formal attempt, to mediate and get the issue resolved. Caravana is very negligent while resolving issue regarding their own personnel handling costumer issues. The car was never accepted to be returned again If you want the vehicle taken as a trade in send me paper work but the funds for vehicle must be covered close to what is was bought for and the next car will be heavily inspected. Just need this issue fixed this is not fair at all, given that we were proactive with everything and in time frame. We feel as if it might of been maybe issue with representative not handling the issue as it should of been at a professional level.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Using Toyota Financing 's automated phone system, I made my monthly payment. I received a confirmation number. 
30 days later, I get call from 'toyota collection ' - you are late. There is now a late fee. Pay. 
I explain I made payment on their system and I provide my confirmation #. 
I ask, how can i have a late fee? 
I ask, why no one told me payment did not go through ( I have learned that basically the confirmation # I get/got from Toyota is  useless ). 
Finally -- - the system there is no way i can be notified if a payment fails ... ... only If i pay using their online system ... .then I would get such a notification but If i use their phone system ... ..no notice. and you get a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: MI

Complaint narrative:
Regarding : Personal data stored by NACA To Whom It May Concern : I am contacting you in the hope that you can assist in my efforts to secure my personal information being held in the database of The Neighborhood Assistance Corporation of America, ( NACA ). 
I had been working with The Neighborhood Assistance Corporation of America ( NACA ) starting in XX/XX/XXXX until XX/XX/XXXX of this year, trying to get their assistance with their XXXX XXXX XXXX  promise. After several unfruitful meetings where my service agent did not show up, promises of telephone consultations that were not fulfilled and lack of communication and follow-up, I decided to sever my connection with this organization and seek financing elsewhere. 

I have made several attempts to get my personal information removed from the database and website storage of The Neighborhood Assistance Corporation of America ( NACA ) including emails to the XXXX office manager. ( I had a web conversation with a service agent on XX/XX/XXXX as well, who said she would resolve this issue. ) While it appears that I may be able to delete some of my personal information myself, other data still shows in a format inaccessible to me. As of this date, my personal and financial information still appears when I log on to their web site, https : //www.naca.com/. ( Our NACA account # shows inactive, but is still valid to log into the website. ) I am hoping that you will have some avenue of contact and influence in this matter of securing and removing my personal data and financial information from this company. I am concerned, due to the manner in which they dealt with me, that my information might be vulnerable, or shared in an inappropriate manner. We have already had an issue with our credit reports due to the handling of our information and would like to prevent any future problems. 

Please let me know of you are able to help or if you know of another avenue we should pursue to achieve our goal.

Respectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XX/XX/2019 I was not able to make my payment on time. I am a self employed and the beginning of the year was really slow for me. I am now current and up to date with my payments. I would like this late payment removed because it hurt my credit score about 40 points. The amount missed was {$1100.00} and that dropped my credit score 40 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I received a letter from XXXX dated XX/XX/19 stating that I agreed to pay them {$2000.00}. I NEVER made this Agreement. I have Never spoken to anyone at XXXX. I do Not owe this debt and certainly would not agree to pay it. Sallie Mae was the original creditor of this debt and Sallie Mae has been deleted from my credit report. Sallie Mae changed their name to Navient. All Navient accounts have been removed from my credit report because the were Sallie Mae. Navient sold this debt to XXXX during the time I had a complaint with the CFPB against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
File # XXXX I am no longer responsible for this account yet it still appears on my XXXX credit report. It has been removed from XXXX but not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am furious. Both my grievances had no resolution and were referred back to XXXX XXXX in area in which he could not and should not be expected to be able to help. Its not his specialization on these issues. Additionally I was told by membership services that I was not ALLOWED to call the membership line to correct errors, help find providers, or ask questions severely limiting my access to your service when XXXX is not available and direct contradiction of the purpose of membership services which is to assist with the above, the benefits packages which tells me to call this number with concerns, and even recent correspondence that directs me to call with questions and concerns while simultaneously and confusingly directing all issues even ones not appropriate for him ( previous XXXX non payments ) to XXXX XXXX. Please remove all restrictions on my access to XXXX XXXX XXXX that help administer my care. I further demand we create a plan to make me whole on payments and submissions that have now had to in some cases be resubmitted or misprocessed 3 times and payment times have often been over 90 days. Im not willing to use the exact same system that has failed nearly a dozen times so I can be repaid and recycle the money to continue seeing my providers. Further every time I seem to submit valid bills there appear to be numerous errors in processing and unfair wait times and thus without a plan to how things will be different in the future it would be unreasonable to expect working with XXXX just to receive my benefits I handsomely pay for will not continue to be nearly a full time job of vigilance, excel spreadsheets, and waiting for you to fix your own errors. 

The following math you wrote does not make sense, a closed account cant go from a {$24.00} balance to over a $ XXXX balance when no new charges can be made as the account has been closed, and statutory timeline had passed to make any changes to a closed account based on a billing error or a fraud dispute. 


On XX/XX/2018, we sent you a credit balance refund for the {$24.00} credit on your account, leaving you with a {$0.00} balance. The payment made on XX/XX/2018 was returned by your bank as you advised the payment was not authorized. We issued a credit to your account on XX/XX/2018 for {$1.00}, leaving your account with a New Balance of {$2000.00}. We are unable to issue credit for this balance. Your account has not been charged off or settled as you mention in your correspondence. 


You mention XXXX as the required balance I am happy to pay it close out this matter and have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: NC

Complaint narrative:
Equifax is reporting an incorrect balance, and an incorrect past due balance on XXXX partial account number XXXX. This is a Fair Credit Reporting Act ( F.C.R.A. ) violation because it has not been updated since 2013 and F.C.R.A. mandates it be updated every 6 months. ( Please see page 13 of my credit report attached. ) In addition, we have filed dispute letters to Equifax and they have never corrected it. This account should be balance owed {$0.00}, past due {$0.00} and the status coded as XXXX instead of XXXX with a comment of paid or closed, XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX ( cell phone carrier ) to close my account. I spoke to a manager who informed me that I needed to pay a balance of {$82.00}. I paid this amount using my XXXX credit card ( statement attached ). I was told my phone would be unlocked in a few days, which it wasn't. I phoned XXXX on XX/XX/XXXX to find out why my phone had not been unlocked ; they put through the request again and a day or so later my phone was unlocked. I activated a new cell phone account with XXXX XXXX XXXX ( email confirmation attached ). 
I kept getting emails from XXXX indicating a balanced owed. I phoned on XX/XX/XXXX ( 17 minutes ) to once again ask XXXX to cancel my account. I received another payment request, but each month they were adding charges to my bill. I phoned on XX/XX/XXXX ( 22 minutes ) and the representative assured me that my account would be closed and remove any remaining balance ( Ref. # XXXX ). I assumed by now the matter was finally resolved. Not so, because I continued to receive invoices. One XX/XX/XXXX, I called XXXX ( approx. 45 minutes ) ( Ref. # XXXX ). I do not have a printed record of this call because my billing cycle with XXXX XXXX ends on XX/XX/XXXX. XXXX admitted that the account should have been closed in XXXX. Once again, I was assured my account would be closed. Two days later I receive a letter from a collection agency, GC Services demanding payment of {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
File # XXXX I am no longer responsible for this account yet it still appears on my Transunion credit report. It has been removed from XXXX but not Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have 3 HARD INQUIRES REPORTING TO MY TRANSUNION CREDIT REPORT. PLEASE REMOVE THESE INQUIRIES. ATTACHED IS A BRIEF SUMMARY OF WHAT HAPPENED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: IL

Complaint narrative:
I initially contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX in order to get this debt they are claiming I owed, validated. XXXX XXXX sent me back a letter simply stating that " the debt had been validated '' however none of the previously requested information was sent to me, copies of original bills/statements, payment history and reporting dates, method of verification, bonding agent info, and no wet ink signature from their company 's representative. Additionally the statement they sent me to " validate '' the debt had specific, detailed medical procedures which is obviously against the law and not in accordance with HIPAA privacy laws. On XX/XX/XXXX, I requested that they send me the original detailed bill from the creditor, signed HIPAA notices, contract between Regional recovery and the creditor, and anything that I signed releasing my medical information to them- to which they have still not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: CA

Complaint narrative:
two inaccurate and fraud account have been reporting under my experian credit reportings, i had disputed before and they were removed, but for some reason they have placed back under my experian again, ( XXXX and XXXX XXXX XXXX ), i will be attaching my FTC report and the police report i have received and delivered to experian as well, please have these two inaccuracies removed from my credit file 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 explanation
Consumer complaint received 2019-04-23 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: CA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account numbers XXXX. ( Please see pages 14 and 15 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Loan Number XXXX Property Address XXXX XXXX XXXX XXXX, XXXX XXXX, WV XXXX NationStar : XXXX Starting XX/XX/XXXX, I established up a bimonthly payment process to maximize my payments against the interest for the year for a secondary property. The XX/XX/XXXX payment was not processed correctly because, according to Nationstar Mortgage LLC a subservicer for XXXX, their systems aren't able to process bimonthly payments. I have a mortgage with XXXX XXXX for a primary residence and not having an issue with them. 

This is what happened with Nationstar : My initial payment transmitted on XX/XX/XXXX electronically. Because it was a half payment, Nationstar applied it to XX/XX/XXXX as a principal payment. Because Nationstar processed it as a XX/XX/XXXX payment, I started receiving phone calls from Nationstar, even though the grace period through the XXXX of the month, hadn't passed, advising me that I was delinquent. On XX/XX/XXXX, I received a letter stating that I was delinquent for the month of XXXX. On XX/XX/XXXX, the second part of my payment was processed for the XX/XX/XXXX payment. On XX/XX/XXXX, Nationstar generated a letter stating that I was assessed a {$15.00} late fee on my account, my account was delinquent and placed the 2nd part of my payment in an unapplied accounts fund. 

On XX/XX/XXXX, I contacted Nationstar, they advised me that their systems can't accommodate bimonthly payments. They had to move the 1st part of the XXXX payment that they applied to XX/XX/XXXX to the XX/XX/XXXX payment and removed the {$15.00} late fee. They advised that I should pay more each month to accomplish what I am attempting to accomplish to save on interest since their systems can't accommodate. 

Because Nationstar can't accommodate bimonthly payments, they aren't depositing funds into my account when processed to prevent further accrual of interest against the principal on my accounts ; therefore, penalizing the customer for system issues that they can't support. 

I attempted to escalate to the XXXX Executive Team, but was transferred back to Nationstar Executive Team. I am requesting that XXXX XXXX XXXX XXXX, Nationstar Mortgage LLC, XXXX TX be investigated for their payment processing practices. The loan papers do not indicate that bimonthly payments can not be processed and that full payments are expected or funds will be put into an unapplied accounts fund. 

I can supply copies of correspondence if it helps in the research.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a loan with my bank and find out that there has been a freeze or fraud alert put on my accounts with experian and XXXX. I contacted both reporting agencies and they said the I or another credit reporting agency requested to have this fraud alert placed on my credit and they refuse to remove it without sending a complicated letter including tremendous amounts of information making it extra difficult for myself to access my credit. Why they do this I am not sure but from my research this is happening to alot of people. 
Really all I want is the freeze or fraud alert removed from my experian and XXXX credit reports. 


Thank you XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
I never received my escrow statement along with the refund check for {$77.00}. I contacted SunTrust by phone and after almost an hour wait the agent said they would reprocess the escrow statement and check and it should get to me in the next 2-3 weeks. I waited over a month and had not received the document or check from SunTrust even though my escrow account was debited back on XX/XX/XXXX. I followed up by sending a secure message through online banking on XX/XX/XXXX and the only update I received was directing me to a site that no longer exist to receive updates. I would like a copy of my escrow statement along with my refund check I am 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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account numbers ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past 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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief