vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
I contacted creditor USAA Savings Bank because I want to pay off this account in the amount of {$3400.00}. They told me another agency brought the debt, but the requested it back. They said they can not accept payments until the collection agency that has the debt sends it back to them. I believe this is illegal to do, since the account was transferred to a collection agency and now USAA Savings Bank has requested it back. I am eager to solve this matter, but they can not give me information on to whom I must send the payment to. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: FL

Complaint narrative:
on XX/XX/XXXX i mailed in a dispute in reference to an account being collected by professional debt mediation account number XXXX as being a incorrect account number in the amounts of {$650.00} an {$580.00} i also spoke with someone at the credit reporting agency and i was assured that this matter would be reinvestigated and corrected and i recently recieved a reply back stating it has been certified an will remain on file when i know its reporting inaccurately, futhemore, i also disputed a public record filing [ chapter XXXX bankruptcy ] on XX/XX/XXXX which i requested verification of there method of verifying this information they failed to provide me with any documentation i aslo went as for as to provide the reporting agency [ experian ] with a copy of a letter i received from whom they claimed to have verified the info from stating they dont communicate with any third party creit bureaus along with a copy of a letter where i had a security freeze place on my XXXX/XXXX credit file and they still havent corrected the error

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 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: North Shore Agency, LLC
State: PA

Complaint narrative:
North Shore Agency has sent repeated letters to my home with derogatory statements on them in large boldface print such as : WE WANT TO BE PERFECTLY CLEAR, YOU CAN NOT IGNORE US, THIS IS UNACCEPTABLE!!!

My husband attempted to contact them numerous times regarding the {$69.00} they were attempting to collect. He also emailed them. No one responded. They continued to send derogatory letters to my home for something I had already settled with the original company I purchased from.

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 2018-04-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XX/XX/XXXX saying I missed XX/XX/XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XX/XX/XXXX payment was missed ... I didn't know where to remit payment and I paid both XX/XX/XXXX and XX/XX/XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018

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 2018-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
Hello, I opened a auto loan with Santander Consumer USA in XX/XX/XXXX. The original note amount was XXXX. I admit, I have been late on some payments but I have ALWAYS paid them to include all late fees. Recently, in XX/XX/XXXX I found out my outstanding payoff balance is {$16000.00}, I messaged them and asked them why? They told me it was because of the way payments were made to my account. That is absolutely ridiculous. In FOUR years, I have paid {$13000.00} of which {$11000.00} has gone to interest, {$270.00} has gone to " fees '' and leaving only {$2100.00} going toward the actual principal. I formally asked Santander for a refund. My balance owed should be {$4100.00}. I have reported them to the XXXX XXXX XXXX and the Attorney General 's Office for the State of New Mexico since I found this out and have had no action in my favor thus far. I believe this is theft and they should be prosecuted. The interest they are charging is absolutely wrong and criminal! Please help me solve this matter. 

Thank you. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: NY

Complaint narrative:
XX/XX/XXXX I opened a dispute with XXXX and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was XXXX dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All XXXX updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} Transunion is most likely going to follow the same suit. XXXX has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.

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 2018-04-20 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: NY

Complaint narrative:
XX/XX/XXXX I opened a dispute with XXXX and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was XXXX dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All XXXX updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} XXXX is most likely going to follow the same suit. XXXX has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: Shellpoint Partners, LLC
State: MN

Complaint narrative:
In my divorce back in XXXX, my ex husband was ordered to pay the loan to XXXX XXXX. The bank modified the loan and made it a permanent 2 % fixed rate installment loan. This loan was sold from XXXX XXXX to Shell Point Mortgage Servicing. XXXX said he was not notified of the sale or where to send payments. He got his first statement in XXXX and made a payment in the beginning of XX/XX/XXXX. I wasn't contacted by Shell Point Mortgage until XXXX or XXXX making me aware of the fact that there was a past due amount on the loan and that the loan had been sold. I immediately contacted XXXX and let him know a payment needed to be paid and where to mail the payment. He never received a XXXX statement. I have attached documentation explaining all the issues. I know that when a loan is sold the consumer has certain rights. Shell Point Mortgage Servicing has issued two 60 late payments to my credit report which caused me to get denied on a loan application from XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: VA

Complaint narrative:
Please remove the following inquiries as I did not grant permission : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from 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 2018-04-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped 31 points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called Equifax last month ( XX/XX/2018 ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX XXXX number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the financial manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX Sheriff 's Dept to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp
State: WA

Complaint narrative:
I am down to the last 4 payments with XXXX, dba Lending Club Corporation, dba XXXX XXXX XXXX XXXX   XXXX, dba XXXX XXXX XXXX XXXX XXXX. 
When I switched from an ACH debit from my XXXX account to a PAPER CHECK from my XXXX checking account. 
XXXX Bill pay has sent 4 payments to Lending Club Corporation, all have been returned as UNDELIVERABLE. 
1st sent XX/XX/XXXX, for {$440.00} XXXX emailed me via my account " we mailed the check for the payment listed below, but it came back to us as undeliverable, we have placed a stop payment on the check. Please contact payee and update the address before resending. 
I contacted Lending Club and I was told, " Your bank has to send a paper check. '' Which XXXX had indeed done. 
2nd payment sent on XX/XX/XXXX in the amount of {$430.00} to the Lending Club Corporation. 
XXXX advised me on XX/XX/XXXX that payment to The Lending Club Corporation, " We mailed a check for payment listed below [ Payment to Lending Club Corporation from account XXXX for {$430.00} ] But it came back as undeliverable. We have placed a stop payment on the check. 
Please contact the payee before sending another payment. 
3rd Payment to Lending Club Corporation Sent XX/XX/XXXX The whereabouts if the check sent from XXXX are unknown at this time. My account at XXXX shows the check was cut on this date and mailed, HOWEVER On XX/XX/XXXX I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX The balance of the loan is in fact, {$1700.00} I researched the Office of Comptroller of Currency, U.S. Dept if Treasury and found that neither Lending Club Corporation, nor Consumer Lending Receivables XXXX XXXX XXXX exist in their data base. 

I verified the address to the Lending Club as follows with a very rude man XXXX prior to making my payments via check : Lending Club Corporation Dept XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My Account number is : XXXX As a result of their phony address all the payments that have been made have been returned, less the one still outstanding made on XX/XX/XXXX. The whereabouts of this payment have not been returned to me neither has it posted to my account at the Lending Club Corporation to date.

The Lending Club Corporation Sent my account to collection only 39 days after the due date of my payment due on XX/XX/XXXX. The payment made XX/XX/XXXX was made on time, albeit returned by the Lending Club Corporation marked UNDELIVERABLE.

Now my account is in collection. The Lending Club Corporation does not answer their phone, XXXX is no longer linked to this Corporation, they are not registered with The Office of Comptroller of Currency???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX, GM Financial, received a check for the pay off for my vehicle. Stated that they needed 48 hours to process a pay-off letter after the check cleared the bank. Let them know that I needed this letter just as soon as possible as I am trying to purchase a home and my mortgage broker needs it. A week passes by and I call to get said letter. Stated I would have it in 2 hours. Call that evening, stated that I was told wrong and they needed another 48 hours. Call daily for the next week with the same story. Then I am told that they can not send me a letter via email ( I was never told this they kept telling me they would email it over ) because the loan had been closed out. We play phone tag for another week as I am waiting for them to send me said letter via fax. Yesterday, XX/XX/XXXX, I called and was told that every one of those requests were DENIED because I had to wait 30 days until the check was past the timing that a check holder could cancel the check. Stated that on XX/XX/XXXX I would be able to get the letter. I called XX/XX/XXXX and they stated that they were now waiting on title paperwork on this vehicle. 

My point is, this is the absolute WORST customer service. No one knows their regulations, rules or what-have-you. This is the biggest disaster I have ever seen in my life and if I had done my research before I accepted a loan with GM Financial- I  would have ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: CA

Complaint narrative:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported inXX/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 2018-04-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: CA

Complaint narrative:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018

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 2018-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018 I went to a Toyota dealer to purchase a used car with a low APR. The entire negotiations over price included me requesting a low APR. The dealer and I agreed on a price and before the dealer would allow me to read the contract I was required to pay {$4000.00} deposit. I used my credit card, and the {$4000.00} was charged, then the time was spent switching the plates and registration from my old vehicle and then securing insurance. Finally after hours of negotiating, paying, transferring plates, etc. the dealer finally printed out the Retail Installment contract. I did note that the interest rate was 7.14 % instead of a low APR and I immediately protested. The dealers said that my credit was not worthy enough for the lower APR and that it was too late, I had already paid the {$4000.00} and there was nothing that I could do. There is no reason that I should not have qualified for the advertised lower APR. I should have been told the interest rate was going to be 7.14 % before they took {$4000.00} from me. I felt scammed and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
We had started having ACH blocking issues with our back which resulted in a return of ALL payments paid in this manor including our mortgage. Once we noticed the amount of fees we were being charged we realized there was a problem. After of 6 months of these returns and the run around from the bank it was shown that a representative had placed a block on ALL ACH payments instead of a single one that was requested. 
We had spent all that time catching up on all returned payments because the amount paid in fees left us short and we are on a fixed income. We tried working with the Mortgage company thought this entire time and set up payment arrangements starting in XX/XX/XXXX. Our payment for the first installment was sent by mail which was the only method accepted, but never made it or was not received in which we were NEVER informed of this. After attempting another refinance to start fresh we discovered that the payments were missing. This started us down the path of Loan Modification in which we were denied at the end of XXXX, we appealed and were denied and NEVER informed and our house was put in Foreclosure XX/XX/XXXX and we were NEVER informed. We found out when I called to see about the Appeal. All the while we were told to NOT PAY! 
We are now attempting to stop the foreclosure by applying for modification AGAIN but still getting the run around.

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