vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
A year ago I dismissed a bankruptcy. I have a vehicle loan with Ally Financial. I caught up all {$10000.00} worth of payments and have been caught up on payments since XXXX. My credit report still shows behind 60-90 days. I feel that this needs to be corrected as it is unfair to only report the negative and then nothing when paying as agreed. I have filed a dispute with XXXX  but not XXXX  or XXXX  yet since couldnt do it online. I did send an email to Ally through my account on XX/XX/2020 that they have not responded ded to as of today. All I am asking is that they report things fairly and accurately.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have wrote XXXX over 20 times that it is displaying wrong name and address Issue # 1 [ Name ] Wrong : XXXX XXXX - Name ID XXXX Wrong : XXXX XXXX - Name ID XXXX " Correct - XXXX XXXX XXXX - Name ID XXXX '' Issue # 2 [ Address ] Wrong : XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX - Address XXXX Multifamily. 

Issue # 3. 
A XXXX company named " Select Portfolio Servicing '' accessed my credit report WITHOUT my permission on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I am eligible to receive loan forgiveness of {$17000.00} per the XXXX Loan Forgiveness Program. To receive forgiveness, you must be XXXX a qualifying subject at a Title-1 school for 5 consecutive years. I have fulfilled this requirement, though at two schools. My first two years XXXX, I was XXXX special education at XXXX XXXX XXXX XXXX XXXX which is in a Title-1 school district. I then moved to XXXX XXXX XXXX XXXX in XXXX ( Title 1 district ) and began XXXX 6th grade math ( qualifying subject ). I have applied for XXXX loan forgiveness ( which I know I am eligible for as a few of my colleagues have received forgiveness teaching the same subject ( s ) ) and have been rejected on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX While I understand that my earlier applications were rejected due to submitting prior to end of the school year, the application rejected on XX/XX/XXXX was submitted on XX/XX/XXXX, after I completed my 5th XXXX  year, and my application was rejected as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020, XX/XX/2020, and XX/XX/2020 I submitted letters to Experian and XXXX XXXX requesting to verify the auto debt that is falsely reporting on my credit report. I also demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF  COLLATERAL. 
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL They are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. In which none of this has been received and they have failed to comply after multiple attempts.

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 2020-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have had to file multiple complaints with this unethical organization. 
The last complaint XXXX was closed from communicatio on XX/XX/XXXX which stated they would respond to arbitration such as is my right in the contract ( similar to my right to being informed of lease end charges and having the chance to rectify before they are charged ). They did not honor that part of the contract, nor to respond to Arbitration. Attached is the notice from the Arbitrator stating BMW financial did NOT respond. 

XX/XX/XXXX I received A COLLECTION notice from XXXX from First Source Advantage - using unethical tactics stating that I owed the money and they will chase me it didnt matter that the matter was pending arbitration. 

I have included a copy from the arbitrator proving BMW did not respond similar to my multiple requests to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capitol One has placed my accounts in suspension and froze both my cards, that I've had for years with them due to suspected fraud. I was advised that because I have added and removed authorized users my account was being flagged and was initially told that the front and back of drivers licenses are needed for all persons ever added, regardless if they have spoken directly with and are no longer on the account for verification purposes. Once that was submitted, I was told they needed social security cards ... once that was submitted, I was told they all needed to be signed. I even submitted a passport for one in leu or a social for verification and they are refusing to release my account. They have advised me they have to verify that the persons added are real people and that they need to have their information to ensure they do not take over my account. The confusion is that only one card had authorized users and some users had previously contacted Capitol One. They are being very misleading and seemingly don't want to resolve the concern. I am forced to make payments on an account that I can not access or risk having my credit negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have repeatedly requested a correct accounting of all payments and interest on my loan. Recently I received a statement from Navient that incorrectly accounts for principal and interest paid on this account. As a result I can not determine the accuracy of their numbers. I have been making payments that are larger than the requested payments. An example of this is the period from XXXX toXXXX ( the last they listed on the statement they sent me in XX/XX/2020 ). During this period I paid {$10000.00}. During this period there is no change in the principle balance. I have calculated my interest rate and more than half the payment should have been applied to principle. 

I am requesting an accurate accounting for this loan that shows Payment made and date Interest charges Any other charges When I received this statement I called them and they assured me this statement was correct. I can not see how this is possible because I have made payments that are larger than the payment indicated on my statement every month. 

It is a shame that I have to make this complaint but I feel that my requests for an accurate accounting for this loan have been ignored and that the documents they have provided demonstrate fraud on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This was from over a year ago, and I did not know that there is a place to file a complaint like this. So please forgive me if this complaint is too late to be filed. 

On XX/XX/XXXX. 
When I checked my chase Freedom account, I found that all my points are gone and my account was closed. So I called the customer service to see what happened. The lady told me that Chase sent me a letter in XX/XX/XXXX that my account will be closed, and I will have 30 days to use my points. BUT, I moved to a different house in XX/XX/XXXX, I even forwarded my mails to my new address through a service of USPS, but I did NOT get the mail from Chase on closing my account! And they didn't notify me through any other method other than that one letter. I had XXXX points in my account for my purchases in FOUR years with this Chase Freedom credit card, and I lost all those points because a letter was somehow lost. This seems really unfair to me, and the lady from CS told me there is nothing Chase can do in this situation. So I want to file a complaint about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/XXXX I informed Capital One Bank that my Identity had been stolen open credit card accounts. in the complaint I included my police report, Identity Theft Report from the FTC and an Identity theft report affidavit notarized. also, I supplied a furnisher statement. they responded by stating after their investigation they concluded that either I or someone I knew had authorized access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: NV

Complaint narrative:
In 2018, I began disputing this date. Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I have requested proof of validation. So far, none of the companies have been able to provide such proof. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian & XXXX no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX, Experian and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.

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 2020-06-25 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: IL

Complaint narrative:
I've sent several letters to XXXX XXXX and Experian regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report it states that " public record items Experian was reporting the information obtained from the local bankruptcy court. I wrote a letter to the bankruptcy court and they advise me XX/XX/2020 that they do not report or perform any activities with any credit bureaus. I than wrote Experian a letter and sent them copies of the letter from the bankruptcy court they then replied back and said they obtained the information from XXXX XXXX, I then wrote XXXX XXXX who said they obtained the information from Experian. I don't see how they can have anything on my credit report from a " third party ALL of this seems that they are committing fraud by giving false information and these two companies are continuing to point the finger at each other, XXXX  deleted the information with no problem because they under the courts does not report to them. XXXX XXXX is data and computer based and does not have accurate and 100 % true information on me and they fail to up date/ delete information that does not belong. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/2020. SO HOW is it that Experian said they verified this information with XXXX since after XX/XX/2020 I find that the lies and these practices are illegal, they are giving false information and I'm suffering from the credit bureaus not following the law.

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 2020-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: WV

Complaint narrative:
On XX/XX/XXXX of XXXX I called Vanderbilt mortgage company about a foreclosure home they had for sale I was in contact with a gentleman named XXXX that was the property manager for this company He offered the property to me at {$50000.00} then on XX/XX/XXXX of XXXX I called in to Vanderbilt in their mortgage department And filed over the phone with my XXXX XXXX XXXX son for this mortgage on this home with a XXXX XXXX and I told XXXX XXXX I had some questions about there rules about giving mortgage to someone that coming out of bankruptcy almost 2yrs after discharged and XXXX XXXX proceeds to tell me six months after bankruptcy I could file for a mortgage with there company and shouldnt have a problem so I told her my credit score from trans Union and she told me that would be fine because they just dont look at the score they will take the Consideration of everything and I shouldnt have any problem getting the mortgage So my son and I went ahead with the Application process Then on XX/XX/XXXX I received a phone call from XXXX XXXX at XXXX She asked me some personal questions about myself to assure it was me then XXXX  XXXX told me that there no programs with there company for me I feel that I was missed lead by this company by them saying there shouldnt be a problem financing me then rejected me for the mortgage even after they was going to sale me this property they have for sale at XXXX and then had me to get a mortgage at XXXX I have watched this property go from XXXX on XX/XX/XXXX all the way down to XXXX on XX/XX/XXXX then jump back up XXXX on XX/XX/XXXX This home needs the Septic tank put back into the ground and the water line replaced to the home before I would be able to move into it

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 2020-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
First, I am a victim of identity theft. On XXXX I sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ) + utility bill. On XXXX I received an Equifax credit file # XXXX. This credit file still shows 4 fraudulent addresses, 9 fraudulent accouns ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX ) and 1 fraudulent contact/phone number ( XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Equifax has committed 13 violations according to the Fair Credit Reporting Act regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
A XXXX company named " Select Portfolio Servicing '' accessed my credit report " WITHOUT '' my permission on XX/XX/2020. This is a FCRA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: Lending Club Corp
State: CA

Complaint narrative:
I am filing a complaint against the three credit reporting agencies, The Lending Club and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some dental work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The dental office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 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: LEXISNEXIS
State: IL

Complaint narrative:
I've sent several letters to Lexis Nexis and XXXX regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report it states that " public record items XXXX  was reporting the information obtained from the local bankruptcy court. I wrote a letter to the bankruptcy court and they advise me XX/XX/2020 that they do not report or perform any activities with any credit bureaus. I than wrote XXXX a letter and sent them copies of the letter from the bankruptcy court they then replied back and said they obtained the information from Lexis Nexis, I then wrote Lexis Nexus who said they obtained the information from XXXX. I don't see how they can have anything on my credit report from a " third party ALL of this seems that they are committing fraud by giving false information and these two companies are continuing to point the finger at each other, XXXX deleted the information with no problem because they under the courts does not report to them. Lexis Nexis is data and computer based and does not have accurate and 100 % true information on me and they fail to up date/ delete information that does not belong. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my LexisNexis account since XX/XX/2020. SO HOW is it that XXXX said they verified this information with LexisNexis since after XX/XX/2020 I find that the lies and these practices are illegal, they are giving false information and I'm suffering from the credit bureaus not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: HW Holding, Inc
State: NV

Complaint narrative:
In XXXX, I began disputing this date. Ive disputed the debt with the major credit bureaus, as well as Hunter Warfield. I have requested proof of validation. So far, none of the companies have been able to provide such proof. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX & XXXX no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX, XXXX and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.

Company response to consumer: Closed with explanation