vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 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: NY

Complaint narrative:
XXXX Account Type Installment Loan Terms 36 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid - Payment Status Details Paid, was a repossession Status Updated XX/XX/XXXX Ownership Individual Original Amount {$23000.00} -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
In XX/XX/XXXX, I entered into a payment agreement with Navient, I would make monthly payments on the XXXX of each month for 14 months. In XX/XX/XXXX, my debit card was stolen. I wasn't sure if I would need to change my card number if Navient. On XX/XX/XXXX, I knew my payment had been processed so I called and updated my information. The payment was processed on XX/XX/XXXX and each month following my payment was paid. I got a delinquency notice in XX/XX/XXXX, my mother said her credit score had decreased because of Navient. I called and the man did a research request on my account to discover what the problem was because he could see my on time payments. I got a letter that said I had not been making full payments but I had been in accordance to my payment agreement. I called again on XX/XX/XXXX and the woman said when I updated my payment information in XX/XX/XXXX, she put in a request to have the payments corrected however would not give me any kind of confirmation of this. I asked for a copy of my payment agreement and she said it couldn't be sent out until XX/XX/XXXX and to not make any additional payments on the account outside of what I had agreed to last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I was leasing a car for my daughter and lease was scheduled to end in XX/XX/XXXX. Being that my daughter had not found another car yet, I requested from Nissan if we could extend the lease. They said that we could and sent me the attached letter to sign in order to extend the lease. The form states ( in bold ) that except for the changes listed in the letter ( the rate increased to include additional taxes ) everything else about the lease would remain the same. So when I got the next bill in the mail, I ignored it, because I had been doing auto-pay from my bank for the 35 previous months of the lease and had no reason to think that it ended. Even during the lease, I would get bills like this one monthly. I then went away for a few days in the summer and when I got back, there was a message on my home phone to call Nissan. I did, and they told me that my payment was overdue and that my auto-pay had not been carried over to the lease extension. I explained to them why I had not paid the bill ( that I expected that the auto-pay would continue since the letter I got said that everything was remaining the same ) and then immediately went online to pay the bill ( {$190.00} ). A short while later, I got a notification from my credit card company that my Credit Report has been changed. I logged in and saw that where my credit report previously listed my as having XXXX (! ) late payments in 23 YEARS (! ), I now had one. Reported by Nissan. Which caused my credit score to drop by 50+ points. I contacted Nissan and begged them to remove that negative item from my report but they refused ( as indicated in their attached letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I was contacted by mail from a debt collector, Penn Credit, claiming that I owe {$69.00} for a traffic citation. 
I called their XXXX but they claimed I still owned the debt. 
This traffic citation was paid directly to the XXXX XXXX XXXX on XX/XX/2018. 
I have proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I received a call both at work and on my personal number, they refused to provide verification that the debt was legitimate, and were very rude. They also did not inform me the call was an attempt to collect a debt or that the call was being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The bank fail to provide advertised Rental Car Coverage during my car rental, where it instruct its customer to decline CDW offered by the rental company as they are covered by using their card for rental. 

I was locked out of my rental and the rental company requested payment for its service to unlock the car since I declined their offered CDW. When I called the XXXX XXXX customer service, since CDW is covered as per their advertisement, they transfer me to XXXX XXXX and in turn transferred me to roadside assistance which charged me {$69.00}. The charge details as follows : XX/XX/2018 XXXX XXXX XXXX Country Code : US - United States Original Account Number : XXXX Currency : US Dollar ( USD ) Merchant : XXXX XXXX Merchant Information : XXXX XXXX XXXX XXXX TX XXXX Transaction Date : XX/XX/2018 Posted Date : XX/XX/2018 Transaction Type : Purchase Reference Number : XXXX {$69.00} I attempted three times to resolve the issue and requested refund by my credit card to the charge since their instruction is false and they fail to offer their promised coverage but they fail again to address the issue. My latest complaint to them No. XXXX dated XX/XX/2018. 
Your support in that matter will be greatly appreciated. 
Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NV

Complaint narrative:
We submitted a written request to our mortgage company by email to remove PMI. We have had 1 year of on time payment history and meet requirements of 78 % LTV for automatic removal. The mortgage company has denied our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I keep telling this company the same thing as I did with the individuals that are employed by them. I will start paying the {$150.00} dollars I owe for a XXXX cable bill. I spoke to them about how I will start paying less than 6 months. I explained I will make 3 payments each month to pay it off. Right now Im trying to get these current bills under control that I still owe. They will not make any note of anything but still continue to harass me and its getting me nervous and fidgety. Its not good for my health. I have the bill invoice that came in the mail and I need them to just stop the harassment on my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
for over 2 years I have not even able to get my Experian credit report and on XXXX XXXX my XXXX  has not updated since XX/XX/2015

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
3 months ago i had to get my car repaired because im XXXX and need a running vehicle plus according to the the contract the vehicle has to stay in running condition. I only have a month income so only could get car repaired. I explained this to title max they said corporate was going to have to speak with me. I said that was ok. After car was repaired i took in the invoce. No. They took my next payment then refused the following payment. I called corporate to try to work something out they were rude. And my contact doesn't say they can refuse payment. Now i worry every day i will lose my car and the interest keeps piling up and and i do not have this kind of money now. I live on ssi. I only have my contact i have asked for other paperwork pertaining to my account and they refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
On XX/XX/2018 A XXXX contacted me from Diversified Consultants Incorporated. I asked XXXX to hold on a second and allow me to start my recorder. XXXX agreed and then began to reintroduce herself as I had asked of her. I explained to XXXX that I wanted this debt validated and wanted her to send proof of such to the address on file. XXXX continue to try and pressure me to make a payment on an account that I had no proof of me owning. When I proceeded to tell XXXX that I wanted that proof mailed out and nothing more, she said she would just keep calling me back. I do not appreciate being harassed by a company calling me from a private number from whom I have no relations with and who has no permission to call my home. I have not gotten anything in writing alerting me of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have contacted this company in regards to accounts that they have sold to third party collection agency in an effort to get the accounts validated. However, the company have failed to provide any information that shows my signature. You have ignored my request to provided me with signature of documents that you have in your files that can verify that these are my accounts. Therefore, you have not NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. After reviewing these files I am to believe that your company have allowed multiple of accounts to be open without my authorization. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified with a signed contract bearing I am the debtor for the debts or deleted immediately.

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 2018-09-21 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: IL

Complaint narrative:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. The last time I sent this issue to them they only opened a new dispute and I received the same results. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over and over and over again, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. The following accounts that are reporting are : XXXX 's acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX  acct XXXX, XXXX XXXX  acct XXXX. As well as the incorrect address of XXXX XXXX XXXX, XXXX, XXXX XXXX I have never lived at this address. I have have been a resident of Illinois for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion continues to report the following inaccurate item to my credit report. 

XXXX XXXX It should be deleted because it reports a bankruptcy not on my file ...

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 2018-09-21 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
have been disputing a portion of a charge with Bank of America on purchase of {$190.00} for the past month with no success. I have advised Bank of America on numerous times that I have not received or singed a receipt from the merchant on this transaction and I only remember spending about {$79.00}. Bank of America refused to ask the merchant to produce a signed receipt for the charge and credit the unauthorized amount back to my account. I think bank of America is in violation of my billing rights under Reg Z.

The company still refused to remove the charge even though there is no singed receipt for the amount. company is claiming that are complying with interchange.

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 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/2018, I was using the credit karma app. I saw an ad for a capital one card. I read through all of the information. I noticed a portion which said that I would not be eligible if I had a past dur account with capital one within the past year. Since I did not, I applied. I received a message informing me that I was not approved. I would receive an email and letter within 10 days with an explanation. Today, XX/XX/XXXX, I received an email with instructions on how to view a pdf about the decision. The letter stated that I had too many past due capital one accounts. Again, I do not have any past due accounts with them. 
This is the fourth time in the past two years that I have attempted to get a capital one card. The last three times the reason for denial was a lawsuit on my credit report. This mysterious item was never found. In the past I have received calls from people claiming to be with capital one. They tell me that there is nothing that they can do, that I should check with the local courts, and a bit of fake empathy. I would love to speak with a person who can help me. I would love to find out why capital one is making excuses for not approving my applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: WA

Complaint narrative:
After multiple credit bureau disputes, Equifax is the only bureau to not do a proper investigation otherwise they would have easily found out that XXXX made a mistake in reporting my 60 day late in XX/XX/XXXX. My wages are being garnished and was never late since it is automatically taken from my paycheck. I have attached the incorrect reporting by Equifax showing the lates. I have also included a screenshot of my XXXX chat on XX/XX/XXXX with the XXXX rep stated that they made the mistake and it would be corrected in 10 business days ( NOW EXACTLY 6 MONTHS LATER STILL NO CORRECTION ) AND I STILL CANT GET MY HOME LOAN DUE TO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
DYCK ONEAL INC a debt collector has opened a fake account in my name and. posted late payment to my credit report I have not agreed to any payment plane with this company nor have I had any contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: MN

Complaint narrative:
I have disputed XXXX XXXX {$210.00} multiple times with equifax. Equifax has failed to verify or validate this debt that they are inaccurately reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon Trans Union and XXXX   Credit reports to verify the information they are reporting. 
Trans Union responded in writing indicating the following accounts are not on my Trans Union Account  and not being reported. XXXX  has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Trans Union or XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information.

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 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. 
XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. Experian has not responded. I am attaching ( 4 ) XXXX provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or Experian, perhaps all are working in concert to deliberately suppress my credit score by reporting false information.

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