vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Thank you for your feedback and supporting document with my previous complaint XXXX. You are clearly looking for the wrong person. The information you provide is someone who lives in Texas, and is a XXXX citizen who stays in US on XXXX form. Where I never lived in Texas and Im a US citizen. Given you claim its my loan, Im sure you know my passport information. So please provide that at your earliest convenience to prove its my loan. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: Auto Trakk, LLC
State: KY

Complaint narrative:
On XX/XX/2015, I purchased a vehicle from XXXX XXXX XXXX, in XXXX, KY. I was under the impression that I would be purchasing my vehicle directly from the dealership. No mention of my purchase being a lease, or being sent to another company was ever discussed. I am attaching a copy of my original purchase receipt, which makes NO mention of a lease agreement, or a leasing company!!! 

My information was supposedly handed over to Autotrakk LLC without my knowledge. This company, after a lawsuit was filed by the Attorney General of West Virginia, was required to vacate any debt that they claimed was a result of a repossessed vehicle. They then changed the status of the debt that they were incorrectly reporting under my name from " Reposessed, '' which would have forced them to remove the debt as agreed in the lawsuit settlement, to " Voluntary repossession, '' which allowed them to continue to unlawfully claim this debt as being mine. 

Other than another lawsuit against this unscrupulous company, nothing will make cease their fraudulent claims that they can not and have not proved, as required by FCRA regulations. They continue to skirt these laws and they are allowed to do so by the credit bureaus, as well as by any agencies that do not force them to produce the full proof of debt, including signed contracts between myself and the responsible party, as they so claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: TX

Complaint narrative:
I have contacted all 3 CRAs regarding the associated inquiries.

In the first attachment, you will find returned letters from creditors that claim to have permissible purpose to obtain a copy of my credit report. I requested verification from all 3 CRAs and all replied saying that the information for all 6 returned inquiries has been verified. I would like to know how they verified information yet continue to report companies on my report with false contact information. Per the FCRA, the credit bureau is not allowed to report anything they know to be false, including addresses. I have sent letters to all CRAs showing verification of the same information and have received no reply or deletion of the false information. 

In the second attachment, you will find copies of all letters sent out to the creditors reporting false inquiries on my credit report claiming to have permissible purpose. I requested the information from the creditors claiming permissible purpose in the form of an application for credit or the like and received no response from any of them. If they do not reply within 30 days of receiving my letter, they are in violation of the FDCPA and FCRA. 

I requested verification from all 3 CRAs via certified mail and all replied saying that the information for all inquiries has been verified. I requested the verification method used as well as contact information for the individuals the CRAs spoke with. I have not received anything to date. The responses I have received from XXXX claim that a specific address from a creditor is not not reporting instead of addressing the direct concern. I believe this is a tactic to avoid addressing the concern. You will find an example of this in the third attachment. 

This complaint is being filed as part of the documentation being presented to the courts.

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 2020-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted all 3 CRAs regarding the associated inquiries.

In the first attachment, you will find returned letters from creditors that claim to have permissible purpose to obtain a copy of my credit report. I requested verification from all 3 CRAs and all replied saying that the information for all 6 returned inquiries has been verified. I would like to know how they verified information yet continue to report companies on my report with false contact information. Per the FCRA, the credit bureau is not allowed to report anything they know to be false, including addresses. I have sent letters to all CRAs showing verification of the same information and have received no reply or deletion of the false information.

In the second attachment, you will find copies of all letters sent out to the creditors reporting false inquiries on my credit report claiming to have permissible purpose. I requested the information from the creditors claiming permissible purpose in the form of an application for credit or the like and received no response from any of them. If they do not reply within 30 days of receiving my letter, they are in violation of the FDCPA and FCRA.

I requested verification from all 3 CRAs via certified mail and all replied saying that the information for all inquiries has been verified. I requested the verification method used as well as contact information for the individuals the CRAs spoke with. I have not received anything to date. The responses I have received from XXXX claim that a specific address from a creditor is not not reporting instead of addressing the direct concern. I believe this is a tactic to avoid addressing the concern. You will find an example of this in the third attachment.

This complaint is being filed as part of the documentation being presented to the courts.

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 2020-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Debt appeared on my credit report that is not mine. It is listed as being owed by XXXX XXXX and collected by Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: KY

Complaint narrative:
On XX/XX/2015, I purchased a vehicle from XXXX XXXX XXXX, in XXXX, KY. I was under the impression that I would be purchasing my vehicle directly from the dealership. No mention of my purchase being a lease, or being sent to another company was ever discussed. I am attaching a copy of my original purchase receipt, which makes NO mention of a lease agreement, or a leasing company!!! 

My information was supposedly handed over to XXXX XXXX without my knowledge. This company, after a lawsuit was filed by the Attorney General of West Virginia, was required to vacate any debt that they claimed was a result of a repossessed vehicle. They then changed the status of the debt that they were incorrectly reporting under my name from " Reposessed, '' which would have forced them to remove the debt as agreed in the lawsuit settlement, to " Voluntary repossession, '' which allowed them to continue to unlawfully claim this debt as being mine. 

Other than another lawsuit against this unscrupulous company, nothing will make cease their fraudulent claims that they can not and have not proved, as required by FCRA regulations. They continue to skirt these laws and they are allowed to do so by the credit bureaus, as well as by any agencies that do not force them to produce the full proof of debt, including signed contracts between myself and the responsible party, as they so claim.

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 2020-01-23 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XX/XX/2015, I purchased a vehicle from XXXX XXXX XXXX, in XXXX, KY. I was under the impression that I would be purchasing my vehicle directly from the dealership. No mention of my purchase being a lease, or being sent to another company was ever discussed. I am attaching a copy of my original purchase receipt, which makes NO mention of a lease agreement, or a leasing company!!! 

My information was supposedly handed over to XXXX XXXX without my knowledge. This company, after a lawsuit was filed by the Attorney General of West Virginia, was required to vacate any debt that they claimed was a result of a repossessed vehicle. They then changed the status of the debt that they were incorrectly reporting under my name from " Reposessed, '' which would have forced them to remove the debt as agreed in the lawsuit settlement, to " Voluntary repossession, '' which allowed them to continue to unlawfully claim this debt as being mine. 

Other than another lawsuit against this unscrupulous company, nothing will make cease their fraudulent claims that they can not and have not proved, as required by FCRA regulations. They continue to skirt these laws and they are allowed to do so by the credit bureaus, as well as by any agencies that do not force them to produce the full proof of debt, including signed contracts between myself and the responsible party, as they so claim.

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 2020-01-23 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
XXXX XXXX in XXXX managed by XXXX charge a bogus amount on my credit and submit to Genesis Credit Magement they are trying to embezzle from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Myloancare.com took over as my mortgage servicer, and my automatic payment was turned off. I have had my mortgage for 10yrs and have never been late or missed a payment. So they have turned off my auto pay, then I have submitted payments online through their website, and the payments just never go through, I have done this at least 20x. You call the mortgage servicer and no one answers the phone. I have spent 15 hrs  trying to reach someone. This is clearly a scam creating fees for the mortgage servicer.

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 2020-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
The XX/XX/XXXX statement showed that I paid cost and fees of {$2300.00}. My fear is this cost and fees appear from the unknown. I don't know what and why Im paying those fees and cost. I've been making payments monthly and don't owe back mortgage payments. I've consistently added extra to my monthly mortgage amount but Carrington Mortgage Services have not been applying the extra amount on my principal as requested. According to my statements Carrington Mortgage Services have funneled my extra payments to a Default Cost category and fees totaling {$2300.00}. I had a mortgage modification on XXXX of XXXX. I have a FHA loan and the rate is fixed. There should not be any hidden fees. The company representative of Carrington Mortgage states the cost and fees stems from the modification. I really am confused. All the fees from the modification was resolved or absorbed into the load. That explanation is bogus to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Intentional deception by Capital One, no changes even though numerous CFPB complaints so far. Hoping more complaints will get them to change their tactics. First time a company has ever been unwilling to elevate a problem I reported, so first time Im filing a complaint against anyone. 

I opened credit card using a 15-month 0 % interest promotion. 
XX/XX/XXXX : I received email of account approval, 0.0 % intro APR on purchases for 15 months, card to be received in XXXX days. 
XX/XX/XXXX : Would be 15-months from that earliest date. ( To be safe I did not assume later date of card activation or first purchase ). NO DATES OR EXPLANATION of the promo period were specified anywhere in the email. 
XX/XX/XXXX : Date of first statement, statement period was XX/XX/XXXX ( matched my expectation above ) to XX/XX/XXXX. Interest Charge Calculation box indicated 0 % on purchases and NO PROMOTIONAL PERIOD OR DATE was indicated or described anywhere on this or any statements. 
XX/XX/XXXX : Statement still showed 0 % rate for Purchases. Standard notations on statement indicated interest charges would be avoided if statement balance was paid in full by the due date of XX/XX/XXXX. 
XX/XX/XXXX : To be safe I paid the FULL STATEMENT balance of {$7000.00} BEFORE statement due date ( XX/XX/XXXX ), and before 15-months from acct open date ( XX/XX/XXXX ). 
XX/XX/XXXX : Statement had Interest Charge of {$55.00}. I confirmed my payment showed received and credited XX/XX/XXXX. The XXXX XXXX Calculation box showed purchases were now subject to 20.49 %. 

I called customer service, had to escalate to a supervisor. At first they were puzzled when I pointed out the payment of the full statement balance BEFORE the statement due date and before 15 months from account open date. After long hold they came back and said it was 15-months from the Promotion OFFER date which would have been on the original offer which was online when I applied for the account, and was in fact XX/XX/XXXX. They admitted no documentation was available to me to back that up in my online documents, and even as a supervisor they could not provide or even pull up for their use a copy of any such document. My only option was to FAX or MAIL a request for a copy of the letter, they didnt even allow use of secure online message center which can be used to dispute charges and is how they respond to most inquiries. 

Requesting refund of {$55.00} interest assessed and any additional interest on my next statement as I will pay that statement balance in full ( AutoPay ) before the due date as well. 

Please work with this company to publish information on their statements the way other companies do ( I can confirm XXXX and XXXX put this on every statement ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I belong to the XXXX, referred to attorney XXXX XXXX to represent me on a neighbours ' ongoing harassment, including their lawsuit for XXXX on false basis after received a cease/desist letter by XXXX on my behalf. XX/XX/XXXX XXXX XXXX said : " Your response is sufficient to have the complaint dismissed, but I'd like to appear on your behalf to make a request for your costs and attorney 's fees, and after that I'll file a separate motion for the ongoing harassment, and you need to open a REFUNDABLE trust account in the amount of {$7500.00}. to be kept in that balance to the conclusion of your case. You'll be billed in the amnt of $ XXXX for all services monthly and separately. '' XXXX defected, showed up late, did not do what he promised and I insisted that he put me on the stand to support my case and refute additional false allegations, judge took judicial notice on my responses and supporting evidences and ruled in my favor dismissed the XXXX against me. XXXX disappeared with my {$7500.00}. On XX/XX/XXXX last email directed him to refund the credit card, he did not, and I filed a dispute with the citibank. 
The citibank discriminated and failed to follow the correct procedures and refused to apply the conditional credit as they're trying to collect this charge while investigating!

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 2020-01-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo would not allow me to pay my loan with my XXXX XXXX account online. I tried to make the payments with checks and they never processed those. I called Wells Fargo and told them of this issue an they stated they would launch an investigation. While they were " investigating '' they said my checking account was a credit crd and then they reported delinquency on my credit report stating that I never bothered to make payments. This information is false as I had reached out to them numerous times and every person I talked to was " unable '' to help me. The missed payments is an error on their end and I should not have to bear a horrendous credit score because they refuse to correct their own mistakes.

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 2020-01-23 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My complaint is against Synchrony Bank. I've had this Paypal Credit for over a year and which they never reported and in XXXX of XXXX they decided to start reporting to the Credit Bureau 's and reported that I missed XXXX payments. I have my bank statements as proof that I did submit payments and want this updated since it completely dropped my score and since has been completely paid off. If they are not willing to update accordingly I will go further to contact a Credit Attorney and file a lawsuit because of how bad this one account has messed up my credit. In the pictures below I submitted will show XX/XX/XXXX I made a payment of {$40.00}, XX/XX/XXXX payment of {$25.00}, XX/XX/XXXX a payment of {$30.00}, XX/XX/XXXX payment of {$25.00}, XX/XX/XXXX payment of {$50.00} and XX/XX/XXXX payment of {$30.00}. Then XX/XX/XXXX I completely paid this off!! They have not reported a handful of payments nor have they reported that it's been paid off.

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 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Guglielmo and Associates
State: NM

Complaint narrative:
I am currently being sue by XXXX XXXX  for a web bank purchased from XXXX. They and the presiding XXXX in the case believe that the XXXX permanent injunction from the US district court does not apply to them. Even though the amount they are suing for is more than the amount I borrowed. Any help in this matter would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have an Auto Account with Ally Bank. I, XXXX XXXX co-signed with my husband XXXX XXXX for a XXXX XXXX XXXX. I received a notification back in summer of XXXX that Ally Bank claimed that I missed XXXX 's payment. I did not miss this payment. I called 3 different times and each Ally employee assured me it was a mistake and they do not see a missed payment on their end. Well it is still showing up on my credit report and on my husband 's credit report. I have disputed it myself online with the Credit Bureau 's and nothing! I have sent several dispute letters and still not updated. On different reports it will either show XXXX or XXXX as a missed payment between my credit report or my husband 's. Below is  my bank statement showing both XXXX and XXXX 's payments were made on time which is due on the XXXX each month.

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