vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit exception us the loan on my truck they say I owe more than I do. They always saying I am XXXX behind. My payment is in every month now there saying I owe four more years when I only owe 2 1/2 years. I have the contract I singed I only took out XXXX on the loan. That was interested and every thing paid XXXX more a month on the payment to reduce the payment none of that went to the payment of The truck. What my next steps to fix these issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent a check for {$740.00} to XXXX XXXX in XXXX, Nebraska. The check was given to me for damage clean up of my bathroom and laundry room where a toilet had run over and the excrement had gone through the floor. All they had to do was endorse the check as required, and return it to me so that I could pay XXXX XXXX for the work they did. I called them on numerous occasions to ask where the check was, the last being today ( XX/XX/XXXX ). They told me each time that a review was being done and it would take 5 days and then 5 to 7 days en route for the check. On XX/XX/XXXX, as requested, I emailed them a copy of the estimate for repairing my bathroom which is {$8800.00} and has been approved by my insurance company. They told me that would take a review of 5 days as well and I should be getting the check back in about 10 business days. I have no idea what's happening with that. I'm worried now that XXXX XXXX is not going to want to fix my bathroom because they fear it will take months to get payment with XXXX XXXX having to endorse the checks. I understand that XXXX XXXX has an interest in the property and needs to know about things being done but this is ridiculous. I'm embarrassed to call XXXX XXXX and tell them XXXX is giving me the same old story again. XXXX  sent me a letter asking for my homeowner 's association information to which I replied that I don't have any homeowner 's association, I'm in a private neighborhood. I sent them a picture of my house so they could see that it's being cared for. I'm feeling like they don't trust me but for what reason I have no idea. I just want the check and I want it A.S.A.P. Anything you can do to help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I tried contacting Transunion to clear up some things that's showing up on my credit file when applying for credit. Transunion is reporting I have 2 delinquent accounts and 1 derogatory account on credit file. I spoke with someone their and they were suppose to correct the issue and it has not been corrected. I do not have any delinquent accounts or derogatory accounts. Transunion needs to update my credit report immediately to reflect no delinquent accounts and not derogatory accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear XXXX XXXX, per my previous complaints, your response is totaling missing the point. 
I DID NOT REQUEST PAPERLESS - this was initiated by your bank, NOT ME. 
The bank continued to withdrawal money fees out of my checking account without notifying me. 
You may be trying to justify the bank 's process, which is totally false. 
and in error of your bank 's technology. Just because my balance was below your ciriteria, ... Why was I not notified of this,? 
YOU SHOULD HAVE NOTIFIED ME!!!! 
ONCe The bank drained all my money for your bank fees, only then, you promptly sent me a letter telling me there was no more money in the checking, due to the bank 's fees withdrawal, but you made NO EFFORT, NONE, at the time you were taking money out of my account .... 
I resent your feedback. You have totally missed the point of my complaint. 
I have made efforts to contact you, only to leave message. You have not made any effort to return my calls. You should take the time read the 5th-3rd 's Reviews ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX XXXX {$560.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
Back on XX/XX/XXXX I received an XXXX Scholarship thru XXXX XXXX for {$1000.00} and since I graduated already I wanted it to be applied to be student loans. I called my lender at the time and made sure that it would be applied to me loans. I was told over the phone that as long as it was received by the financial institution that it would be applied to my principal. I received confirmation back on XX/XX/XXXX thru a phone call from XXXX that it was received by my lender. I continued making payments like I normally do all XX/XX/XXXX, XX/XX/XXXX, and then XX/XX/XXXX comes. Mohela tells me thru a call that they received a {$1000.00} credit on my account and I am paid to far ahead and payments need to stop. I didn't not want to stop my payments. I NEVER missed a payment. I was confused and told them it was a mistake and I didn't make a {$1000.00} payment on my account. Then they said it was from XX/XX/XXXX. I laughed at them and said they had to be joking. I explained above and they said they couldn't do anything about it. They didn't tell me anything about collecting interest daily on my account. When they sent me the following months bill that was due under total interest due it even said {$0.00}. I had not knowledge that anything was due nor did I have an amount to send them. They are the ones to tell me that I was paid to far ahead from XX/XX/XXXX-XX/XX/XXXX which is ridiculous in the first place. Then when my payments finally started coming out of my bank again after about 6 months again I paid closer attention to my student loans then I did before. In the past it said on my statement the total due was XXXX and now my total due changed and it says XXXX. So I called Mohela and asked them about my total due and they gave me some strange answer that makes no sense to me because in the end they said I still owe XXXX even though my billing statements say XXXX?! I also started to notice that after 4 to 5 months after repaying my loan after this happened all my payments were going strictly to interest only. Nothing was applied on principal for almost 1 year. I was calling and messaging them and complaining and I kept getting the same answers. There was nothing more they could do and that I was paid ahead. 1 year of XXXXmo payments for applying a {$1000.00} scholarship to my loan back in XX/XX/XXXX!! Its not worth it. I was better off not taking the scholarship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: CA

Complaint narrative:
RE : Medical Collection Dispute Confirmation # : XXXX Dated XX/XX/XXXX Dear Sir/ Madam, I refer to the above Equifax credit Report # : XXXX Dated XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX  ) Insurance Coverage fromXX/XX/XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX XXXX Eligibility Service dated XX/XX/XXXX, Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: NY

Complaint narrative:
I have several inquires and I have tried removing them, I did not do them, I never consented to any of them, I don't even know what they are, I have contacted them and the credit bureau and no one helps, they just keep transferring the call to someone else. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Miscellaneous and public XX/XX/XXXX XXXX reporters XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 's XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 2018-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In XX/XX/XXXX I spoke with a representative from Sallie Mae regarding a missed payment and an account past due fee. I paid my past due amount during that call and the representative discussed repayment options with me. At that time I was on a graduated repayment schedule that from my understanding was a 15 year term at $ XXXX payment. During this particular call I was told about other repayment options but it was never discussed with me over the phone that changes made to my repayment plan would result in an extension of the loan to 27 years with XXXX additional years of interest only payments. On XX/XX/XXXX Sallie Mae sent information regarding those changes to my personal email account with the loan terms but I did not understand at the time that the changes were already in effect and how this would impact me financially. 

I have been under the assumption since XXXX ( when my loans became active ) that I was on a 15 year repayment schedule. I chose this schedule only because I was told that I didn't qualify for income based repayment and I could not afford the standard level monthly payments at the time. I was mislead into " consenting '' to an extended level repayment plan over the phone in XX/XX/XXXX. I would have never knowingly consented to a plan that resulted in 12 additional years of payments ( 27 years total ) and added interest. My loans are now owned by Navient and the information sent from Sallie Mae is no longer available for me to view. I spoke with XXXX today, a manager at Navient, and was told that if I change back to a standard level repayment plan it would now result in a monthly payment of {$1700.00} because of the accrued interest. The other option presented to me was to change to another plan that will result in 2 years of interest only payments all over again. Of note, I have worked in higher education since XXXX and was also told that I didn't qualify for public service loan forgiveness either because of the payment plan that I'm on. 

I attached a copy of my monthly statement. Since my loans are now managed by Navient I can no longer view past emails from Sallie Mae that described the repayment plan in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
They have been calling me at my workplace repeatedly and I have contacted them several times telling them that I can not take personal calls at work and that they should stop calling my workplace. 
This occurred 9 times in XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
An ex girlfriend of mine ran my credit in order to damage my credit. She was shopping for a car and decided to give my information to a few car dealers ... They then forwarded it to car finance companies ... ALL in ALL, 10 different companies pulled my credit on XX/XX/2018. I did not provide authorization. She did this without my consent. I wrote a letter to each company however they yet to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CASHCALL, INC.
State: CA

Complaint narrative:
They have been calling me at my workplace repeatedly and I have contacted them several times telling them that I can not take personal calls at work and that they should stop calling my workplace. 
This occurred 9 times in XXXX of 2018.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
on XX/XX/XXXX I sent Quicken Loans a letter asking them to investigate the inconsistent information that has been reported to all 3 credit bureaus.I sent them the information that is stated below. On XX/XX/XXXX I received a response from Quicken Loans saying they completed a secondary review of the account and they did not find any errors in the reporting. If there were no error 's why am I seeing inconsistent data across all XXXX credit bureaus? 

XXXX Account # XXXX Monthly Payment {$1800.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Late 120 Days Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX Account # XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Foreclosure Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX   Account # XXXX Monthly Payment {$360.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Late 120 Days Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: TX

Complaint narrative:
As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX XXXX   {$560.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: TX

Complaint narrative:
As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX  XXXX   {$560.00} XXXX XXXX XXXX {$610.00} XXXX  XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
An ex girlfriend of mine ran my credit in order to damage my credit. She was shopping for a car and decided to give my information to a few car dealers ... They then forwarded it to car finance companies ... ALL in ALL, 10 different companies pulled my credit on XX/XX/2018. I did not provide authorization. She did this without my consent. I wrote a letter to each company however they yet to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
An ex girlfriend of mine ran my credit in order to damage my credit. She was shopping for a car and decided to give my information to a few car dealers ... They then forwarded it to car finance companies ... ALL in ALL, 10 different companies pulled my credit on XX/XX/2018. I did not provide authorization. She did this without my consent. I wrote a letter to each company however they yet to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: IL

Complaint narrative:
I pulled my free annual credit report and saw an account on Experian I did not recognize called XXXX XXXX XXXXXXXX XXXX acct # XXXX opened in XX/XX/XXXX. I opened a dispute and the company maintained I owe this outstanding balance of {$960.00}. I contacted the company XXXX to find out what this about and they were very vague with their explanations and suggested that I dispute this through the credit bureau if I believe the date is incorrect. I opened a second dispute and just received word that the company is holding fast that this account belongs to me. In desperation I contacted the credit company this morning and it was while we were conversing that the agent on the phone call me Ms. XXXX? I asked her why did she call me that being that before anything could be discussed, I was asked for my name, address, and social security number. The agent then asked me again for my full name again and I reiterated XXXX XXXX. She asked me if I was ever known by XXXX and I said no. I asked again that they correct this error and was told I have to dispute it through Experian.

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