vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC
State: MI

Complaint narrative:
I financed a vehicle through Gateway Financial back in XXXX of XXXX - since then, I have maintained an excellent payment history with them ( per the attachments below ) - never more than 1 day late. In XXXX of XXXX, I lost my job and my wife lost hers due to illness, which left us both completely out of work. Upon obtaining my vehicle, ( in which, I was rushed into signing documents and got caught in a loan that is ridiculously upside down from the very beginning ) I was told by my salesman XXXX, that if anything ever happened to just reach out to them directly and they'll be flexible with me ... ..almost 4 years later ... this was NOT the case. It has been a living horror story with XXXX  XXXX XXXX. I was able to notify and remain in good standing with all of our other creditors EXCEPT Gateway Financial. After falling on financial hardship due to loss of employment, In XXXX, I notified Gateway Financial of what happened to me and my wife - begging them for a lowered payment to try to maintain my vehicle or find out if there was any options to keep a negative impact from ruining my credit. They count the payments late but consider each month two payments because they are bi-weekly payments now versus monthly. I was in contact with XXXX XXXX ( senior account representative ) who always treated me poorly as if my financial hardship affected him directly. After speaking to him, many days I ended the phone call in tears due to the nastiness I experienced with this company. I reiterated over and over about how I've maintained an immaculate payment history with them and begged for options to avoid my vehicle being repossessed ... .after being lied to and declined for no probable cause, my vehicle was repossessed in early XXXX. After the repossession, I made contact with XXXX XXXX once again and as normal - he was very nasty to me. About 2 weeks went by without transportation, and I finally decided to call to see if there was some way of obtaining my vehicle back. Again, I spoke with XXXX XXXX and he LIED to me and advised that if I paid {$300.00} before XX/XX/XXXX - I would be able to avoid the impact of having a repossession hit my credit report and be able to hold my vehicle from going to auction. After that, I would then make payment arrangements to get my vehicle back. THIS WAS A COMPLETE LIE!!!! I have attached the proof as well. I never got my vehicle back ( it was sold ) and the payment arrangements did not stop the impact to my credit report. Gateway Financial also LIED about sending me out proper paperwork in a timely fashion, these people sent me paperwork on setting up a lowered monthly payment AFTER my vehicle was repossessed. I never received it, and I have several calls to them on a recorded line demanding my paperwork in a timely fashion. This has hurt my ability to obtain credit or move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: TX

Complaint narrative:
I pulled up my credit reports this morning on XX/XX/2018 and it shows that a credit card XXXX XXXX AS MARKED AS CLOSED and I never requested it to be closed nor my bank did and I called XXXX XXXX AND THEY TOLD ME THEY NEVER REPORTED THIS ACCOUNT AS CLOSED AND I CURRENTLY HAVE THIS CREDIT CARD IN MY WALLET ACTIVE AND IT WAS NEVER STOLEN AND THEY REFUSED TO UPDATE MY ACCOUNT AND MY SCORE IS DROPPING

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 2018-09-19 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I pulled up my credit reports this morning on XX/XX/2018 and it shows that a credit card TD-BANK XXXX  AS MARKED AS CLOSED and I never requested it to be closed nor my bank did and I called TD BANK AND THEY TOLD ME THEY NEVER REPORTED THIS ACCOUNT AS CLOSED AND I CURRENTLY HAVE THIS CREDIT CARD IN MY WALLET ACTIVE AND IT WAS NEVER STOLEN AND THEY REFUSED TO UPDATE MY ACCOUNT AND MY SCORE IS DROPPING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Property was sold via public auction while litigating with XXXX XX/XX/XXXX. 
Received notice case was squashed XX/XX/XXXX. 
Received email from OCWEN that my mortgage was paid on my behalf. 
Inquiries about who paid it and why, what happens to property title, and if there is any compensations, have been to no avail. 
What's next?

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 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I made a fraudulent use of my debit card claim for {$190.00} with Bank of America on XX/XX/2018. Their claim # XXXX. I dont know how the criminal did it but he/she did not have my card. Most of the fraudulent charges were made in Michigan. The fraudulent charges are highlighted in green. I was in XXXX XXXX, Ohio from XX/XX/XXXX to XX/XX/2018 attending a XXXX XXXX college. I stayed there in a hotel for 2 weeks as the receipt shows. Receipt attached from my XXXX XXXX credit card that shows a 2 week stay at XXXX XXXX XXXX  XXXX, XXXX XXXX. You can also see from my Bank of America charges that I was in XXXX XXXX during the time of the fraudulent charges. Bank of America denied my 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 monetary relief
Consumer complaint received 2018-09-19 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: AL

Complaint narrative:
I have been disputing this bogus item on my credit report since 2014 and have submitted a document from the dental office stating the account was paid in full, but XXXX XXXX XXXX is using hard-nose tactics. I have contacted these people several times and threatening to file a complaint with the Attorney General. Attached is the recent dispute I filed with Experian and it is vague, to say the least. The report states that from their investigation the report has been updated. The report has not been updated, and I attach a scanned copy of the report.

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 2018-09-19 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: FL

Complaint narrative:
According to the Fair Credit Reporting Ace, credit agencies are required to conduct an investigation and/or correct erroneous credit entries on credit report. On XX/XX/218, I sent an initial letter requesting them to remove specific inquiries that I believe were placed in error. I received a letter back on XX/XX/2018, stating I needed to contact the creditors directly. I sent a second follow up letter referencing XXXX v TransUnion, again asking them to investigate and remove the inquiries or provide documentation proving I gave permission for the inquiries. And again, I received the same letter on XX/XX/2018 stating I need to contact the creditors.The credit bureau did not investigate, validate, nor provide documentation for the inquiries in question

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 2018-09-19 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: LA

Complaint narrative:
I have been fighting ID THEFT for sometime now and have fraud accounts reporting. I have sent in ID THEFT AFFADVIT as well as FTC complaint. Experian is refusing to block and or remove the following accounts for some reason. 
XXXX XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX XXXX. XXXX Account # XXXX XXXX XXXX XX/XX/XXXX All supporting documents and proof these accounts are fraud have been sent and confirmed that they have been recived!!

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 2018-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
66 months ago, I consolidated my undergraduate and graduate loans with the specific purpose of qualifying for the Public Service Loan Forgiveness Program ( I'm a public XXXX XXXX  ) .I was told by my lender that all repayment plans beyond 10 years qualified for the program and I was told the 25 year level plan would qualify me. They placed me in that plan based on that phone conversation. Now I am halfway through the 120 required payments and I'm told my repayment plan doesn't qualify and there is nothing Navient can do about this. I followed my loan servicer 's recommendations to qualify and was misdirected. Now I'm told I must switch plans and pay another 120 payments. I hope I qualify then.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was contacted on XX/XX/18 by a person claiming to be a Bank of America employee ( call was from a B of A # ) who stated that fraud activity was detected on my card ending in XXXX. I confirmed that was my card and the person assured me that she was canceling the card and would reissue a new one. She read me other recent activity on my account to confirm whether it was valid and sent text messages with authorization codes I was required to read to her ( also from a valid B of A text # ). As she was 'working to resolve my issue ', I began to receive other emails and text messages regarding activity on my account. I tried to log in to my account but couldn't. She told me she saw that I was trying to log in and would walk me through that step when we were done. She also said that she was handling the additional messages I was receiving on my account. After 1 hr 9 min on the phone, the call dropped. I hit redial from the # she contacted me on and was connected to B of A fraud dept. I explained what had happened and eventually I was able to log back in to my account to see that both my checking and savings accounts were depleted. This 'employee ' had transferred my savings funds to my checking account and authorized multiple ATM withdrawals and purchases in Florida ( I live in Arizona and had my card in my possession ). I opened a fraud claim with B of A, which has been denied. Because this person had access to all my personal information, I feel at risk for identity theft as well and have issued fraud alerts, a credit freeze and filed a police report. Bank of America couldn't possibly have actually researched this claim to come to the conclusion that the charges were authorized. I have submitted additional information requesting reconsideration of the claim, but have no faith that the results will be different. I've called multiple time and they are dismissive and unhelpful. They do not want to admit there are gaps in their security that allowed this to happen. Everyone should be aware of this because it could happen to them.

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 monetary relief
Consumer complaint received 2018-09-19 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, credit agencies are required to conduct an investigation and/or correct erroneous credit entries on credit report. On XX/XX/2018, I sent an initial letter requesting them to remove specific credit inquiries that I believe were placed without permission. I received a letter back on XX/XX/2018, stating I needed to contact the creditors directly. I sent a second follow up email referencing XXXX v XXXX, again asking them to investigate and remove inquiries or provide documentation proving I gave permission for the inquiries. And again, I received the same letter on XX/XX/XXXX stating I need to contact the creditors.The credit bureau did not investigate, validate, nor provide documentation for the inquiries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: LA

Complaint narrative:
Equifax is refusing to remove fraud accounts from my credit report. Even when I have retained an attorney to assist me in resolving this matter they still will not act. I have sent tons of documents and police reports in support that I have been the victim of ID THEFT and have all the fraud accounts listed. Equifax continues to violate the FCRA. the following items are fraud and need to be removed ASAP. 
1.XXXX XXXX XXXX Account XXXX XXXX  ( acct has been verified as fraud from the original creditor, so how is this still begin reported???? ) 2.XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX   XXXX Account # XXXX XXXX XXXX XX/XX/XXXX XXXX # Account XXXX Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
On XX/XX/XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I was hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control due to delay in my pay. 
In XX/XX/XXXX I spoke with XXXX XXXX, VP, Loan servicing. During this conversation XXXX assured me that when I returned home, got my pay situation handled and got caught up on the mortgage at this time XXXX XXXX XXXX would update the report and change the late reporting to the bureaus as a sign of good faith. Unfortunatley XXXX XXXX is no longer with XXXX XXXX XXXX and I can not get anyone to return my calls. I have made several calls and nothing has been resolved. 
I have been with XXXX XXXX XXXX mortgage for 10 years and have never missed a payment. The only payments that were missed were XX/XX/XXXX and XX/XX/XXXX, however XXXX XXXX XXXX reports 30,60, and 90 day late payments all the way through XX/XX/XXXX. I made full and complete mortgage payments every month expect except for the two months XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
payment due on XX/XX/XXXX was submitted late due to mandate at work. I had no computer access and my bill was not with me. The payment was submitted the next morning at XXXX XXXX. The balance was XXXX. a payment was sent for XXXX .A late fee of XXXX was accessed when I sent a letter to see if they would waive the fee they refused.the balance left was XXXX which I paid and the XXXX card is no longer in service. they still want XXXX in late fees.this is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
1. There was a disbursement amount of {$5000.00} for XX/XX/XXXX was never paid to the school or to the borrower ( me ). Yet Navient/Sallie Mae has a financial record for that amount on my account. So that {$5000.00} amount is fraudulent, it is not a loan I received. 

2. On XX/XX/XXXXand many dates after ( see notes attached ) It looks like I made a payment of {$150.00} and Navient/Sallie Mae show that I was charged, on the same day, {$150.00}. So the record indicates that I was charged the same amount I was paid under the label of " adjustment ''. It was never made clear what that extra charge was actually for. 

3. On XX/XX/XXXX I was not attending school at all -- nor any other program, yet a disbursement shows up as me owing an ADDITIONAL {$30000.00} When I requested information about all of my original loan documents on XX/XX/XXXX, this " loan '' was not included. There is no record of where this money went or why it was added to my account. 

4. The information received from Navient/Sallie Mae was confusing and hard to follow. There is no way to follow what my actual total balance was. It lacks crucial details about how much is currently owed and where the totals are coming from. 

5. I believe that Navient/Sallie Mae misled me because none of the loan documents I signed originally included info about what interest would be required on the life of the loan ( s ).

6. I find that the Truth in Lending Act requires that a private loan holder that holds more than one private education loan for a borrower apply ANY prepayments on those loans FIRST toward any FEES due on such loans and then, unless the borrower states otherwise, toward the PRINCIPAL due on the loan that bears the HIGHEST interest. That was not done as my online account shows a record of payments made an the entire payment was applied to the interest only and/or payments were applied toward loans holding a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2018 I cancelled my account with XXXX with transaction XXXX. I received verbal confirmation of the refund of {$140.00} on XX/XX/2018 and email confirmation on XX/XX/2018 from XXXX. The non-authorized transaction went through XXXX and was withdrawn from my Wells Fargo checking account XXXX on XX/XX/XXXX. This payment was never authorized. My XXXX account and my Wells Fargo account is not currently even listed on XXXX as a payment method and has not been for at least a year. XXXX confirmed the transaction went through XXXX and should have posted to my XXXX account but XXXX does not even have the transaction listed, and as XXXX is claiming can not be disputed without a transaction number. Wells Fargo claims that since the Payment was posted they can not reverse the charge even though XXXX claims they gave me the refund the same day on XX/XX/XXXX. After speaking with all of the parties involved, this appears to me as obviously fraudulent activity by Wells Fargo.

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 2018-09-19 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: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
select portfolio servicing mortgage has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this select portfolio services and it has negatively effected my credit score i want this removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Continue phone calls all hours even earl Sunday mornings, robot calls also so you cant respond ...

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 2018-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Robo Calls are illegal. I have asked Diversified Consultants not to call any more. I will resolve the debt directly with the company the debt is for. Furthermore if someone calls me, I expect someone to be on the other end of the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this XXXX XXXX XXXX and it has negatively effected my credit score i want this removed

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