vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My husband and I purchased a new XXXX XXXX XXXX XX/XX/XXXX with the original loan balance being XXXX. The interest rate was 16.78 percent with a payment of XXXX monthly for 6 years. The total interest paid was to be a little over XXXX over the course of the loan. As of yesterday we have paid XXXX with XXXX going towards interest and only XXXX being applied towards the principal. About a week ago they repossessed the car and are refusing to reinstate the loan so I went on to see what the balance owed was so we could redeem the vehicle that we certainly have over payed for and that's when I realized how little of our money has been applied correctly. I have printed my entire payment history and there were roughly 3 years worth of payments that very little ( less than XXXX ) was applied towards principal. I'll admit there have been some late payments but after reviewing the paperwork it doesn't seem logical that late payments and completely unexplained fees would extend the life of the loan by what would certainly been another 3 years at this pace. All I'm looking to accomplish is have them adjust the balance to what it should be so I can pay the balance off and get the car back that we've already paid almost XXXX towards what should've been a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I had a 30 fixed mortgage serviced through Roundpoint Mortgage Servicing Corporation located at XXXX XXXX XXXX, XXXX, NC XXXX. The loan number was XXXX. They transferred my loan to XXXX XXXX XXXX on XX/XX/XXXX. I had been paying two months in advance, and my loan was up to date as of XX/XX/XXXX. I contacted Roundpoint at ( XXXX ) XXXX on XX/XX/XXXX asnd they confirned that I was paid up to XX/XX/XXXX. I received my welcome package from XXXX, and they said that I was showing that was paid to XX/XX/XXXX, and that I had to send in my Payment for XX/XX/XXXX. I contacted Roundpoint and spoke to XXXX in their XXXX service center on XX/XX/XXXX and he said that they would do an investigation and send my a payment history that would take about a week to get to me in the mail. It is XX/XX/XXXX and I have not received it. I would like to know what happend to my two month of advance payments that were just over {$990.00} each.

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 2019-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX XXXX from Caine & Weiner has contacted me via work email more than 20 times in the past 20 days in regards to a debt that is not associated with me or my company. My husband and I purchased assets only of a small business in XXXX of 2019. XXXX was notified that the company was under new ownership. The previous owner also notified XXXX that the debt had been settled years ago. Despite the fact that this debt does not belong to me or my company and we have asked that XXXX and Caine & Weiner stop contacting us about this debt, her emails persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have been in review forever with Chase. My mom passed away and I have provided everything to the lender trying to save the house and assume the loan. 

They now have placed a sale date on my house and I am afraid I am going to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Today XX/XX/2019 Chase bank closed my account, when I called to figure out what was going on and why they closed my account they said they didn't have to give me a reason. I live 100 miles plus from a Chase bank all the money I have was in that account. I tried to talk to several people and they all said the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bought a new XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX. 
I paid the loan in XX/XX/XXXXbut chase financial never release the title. 
I contacted chase several time with no resolution. Each time they told me they will release it but nothing was done. 
Now I moved to another state and I can not get the registration in the other state because I do not have the title. 
I will be obliged to rent a car since I can not use my car

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Used my debit card to make several purchases on XXXX. This made my account negative by XXXX. Went and deposited XXXX on the same day which brought my account positive XXXX. On XXXX I checked my account and it was negative XXXX with a XXXX nsf fee. Regions apparently decided to take the debits out before adding the deposit. This is wrong and deceptive. Its the same reason you guys fined them millions of dollars several years ago. Regions keeps doing the same thing.

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 2019-04-30 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: GA

Complaint narrative:
I attempted to request a free copy of all 3 credit report ( XXXX, XXXX, and Experian ). I received my XXXX electronically, however the XXXX site displays technical difficulty and the Experian site states that the personal information provided is incorrect. I called the telephone number provided to order the reports by mail, providing the personal information requested on the phone, but received a letter in the mail stating that I did not provide enough information to received the report. I then mailed in the requested documents ( drivers license, utility bill, etc. ) and have yet to receive a response. 
I have tried requesting my reports several times throughout the year, both free and paid for, and the credit bureaus are making it increasingly more and more difficult to access the report online ( requiring you to sign up for credit monitoring to access the report ). 
I pull my free credit report each year and do not want to be required to sign up for unnecessary services to pay for a copy. I to date have been unable to get the free copy of my XXXX and Experian reports. Please advise on accessing reports as often as I choose without the monitoring service. Thank you. 
P.S. - I have a user ID and password for each bureau, which still does not allow me to pull a report without signing up for the monitoring service.

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 2019-04-30 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:
XXXX XXXX services is reporting fraudulent information on my credit report. I have sent proof of payment to both XXXX XXXX services and experian on four separate occasions proving that I have never been delinquent in the month of XX/XX/2019. I have attached proof of payments from XXXX, XXXX, XXXX, XXXX and XXXX showing I have been consistent in making my payments on time. I have attached CC payments with confirmation numbers and a cancelled check as proof in the description of the Request for Complaint with the Department of XXXX XXXX Services. I am kindly requesting that you please look into this matter, as it has caused a blemish on my credit report as the Department of XXXX XXXX Services is incorrectly and fraudulently reporting to the credit bureaus a 30 day late on my report despite my proof. 
Please see attached.

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 2019-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have made several attempts to get my student loans rehabbed due to financial hardships. I initially obtained debt consolidation for my loans but due to being put on XXXX I defaulted when they would not accept a lower payment than XXXX I asked to get on a plan that would allow at least {$5.00} to rehab until circumstances changed & was unsuccessful. I sent letters & completed a deferment as well 3 times Nelnet/XXXX has not been cooperative at all! I can only pay what I can afford & not to mention being coaxed to attending XXXX XXXX XXXX stating it was more affordable than attending state school. I am requesting to get assistance with rehabbing the loan at this time & I am getting the run around. As a taxpayer this is just not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: IN

Complaint narrative:
XXXX XXXX XXXX. is reporting on my credit file that I owe a balance of XXXX to them for XXXX XXXX. This was paid in 2017. I have tried to talk to them and they refuse to delete it. I have even sent a letter from XXXX XXXX showing that the debt is paid in full. The CRA 's will not remove it even with proof of the letter.

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 2019-04-30 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
Bayview is reporting derogatory information based on a loan modification that was not fully executed. Therefore no modification was lawfully recorded and therefore the credit information being reported is greater than 11 years old in violation of the FCRA. 

I have spoken with Bayview and they are aware the modification was not lawfully executed. They continue to willfully and negligently report credit information to their benefit. 

I demand immediate removal from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I disputed a collections item on my Equifax credit report. This dispute still shows its status as pending as of XX/XX/XXXX. I called Equifax today to try to figure out why this dispute is still pending, and after much difficulty it seems that Equifax may have mishandled or misfiled my dispute as a " dispute of an inquiry or factual record ''. Then when clarifying what the dispute was, they claim " they have no record of the dispute ''. 

All communication from Equifax concerning status of dispute ceased on XX/XX/XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Fair Financial Corp.
State: GA

Complaint narrative:
I set-up an account with XXXX XXXX on XX/XX/2019. They charged me a start payment of {$1400.00}. I also have a monthly payment of {$470.00}. They were to send me the registration of the car as part of their service. I have called multiple times since the registration expired on XX/XX/2019 and have been able to get no assistance. I am told each time that the registration department has my request, but noone has looked at it, even with a 6 day guaranteed service level. Now my only choice is to return the vehicle, which I am free to do at any time, but I will be forced to lose the start payment of XXXX. I can not drive the vehicle since XX/XX/2019 and still being charged if I do not return. This is ridiculous and unfair to the consumer and no action being taken on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-30 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: NJ

Complaint narrative:
Four fraud and inaccurate accounts are reporting under euqifax credit reporting agency, these accounts are fraud and inaccurate accounts reporting under equifax, i had provided equifax with my police report that I at some point i had been a victim of ID theft, but they have not been helpful at all, as a consumer i demand that this inaccuracies get removed from my credit file. please find attached my police report and have them to remove these inaccuracies thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX attempted to call my phone approximately 25 times in a 1 minute period. The next day they attempted to call me over 60 times in a one minute period. I asked them to stop this practice. As of XX/XX/XXXX they began this practice once again by calling my phone approximately 25 times in a one minute period. They also called me again on the XXXX 25 times in a minute period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute for two accounts in collection on my TransUnion credit report through the company TransUnion partner 's with XXXX XXXX. 

According to XXXX XXXX 's website and TransUnion, they are in partnership with each other. The dispute function is trademarked as Direct Dispute by XXXX XXXX in partnership with TransUnion, this verbiage is clearly indicated on the Customer dashboard page. After submitting my dispute, XXXX XXXX indicated that the dispute was being transmitted to TransUnion. I heard nothing more and continued to check my dispute status for many months via the provided Customer Dashboard as XXXX XXXX has no direct number to dial for assistance. My dispute status never updated. So, ultimately I contacted TransUnion on XX/XX/XXXX and they stated they never received the dispute via the XXXX XXXX conduit and that I would need to resubmit a dispute. I also contacted XXXX XXXX and they stated that they were " experiencing a communications error that prevented them from processing TransUnion disputes. '' and that their team is working on fixing the issue. Mind you, in the over a year and a half, XXXX XXXX never once notified me of this matter or that they were working on the problem until after I bought it to their attention on XX/XX/XXXX, XXXX XXXX XXXX also offered the same resolution that TransUnion advised, and that was for me to resubmit the disputes. 

In either case, I lost my documentation in support of my dispute and I am unable to obtain additional records due to the fact that the company that maintained the records has since gone bankrupt and been liquidated over two years ago. I am stuck and neither XXXX XXXX or TransUnion is taking any type of responsibility on this matter. They are pressing resolution on to me. 

I am certain I am not the only one affected by this. Please investigate both of these company 's resolution and communication processes as they are not providing the service they are touting and, they are not taking responsibility for their erroneous and untimely processes and response times. My credit has been adversely affected during this duration and I am attempting to get the matter resolved. 

Thank you

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 2019-04-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This is my second time requesting this to be updated on my credit. They took it off to place it back on my credit a month later.

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 2019-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Case Number : XXXX Merchant : XXXX XXXX Date of Transaction : XX/XX/19 Disputed Amount : {$30.00} Dear Sir or Madam : Please be advised that I continue to dispute the above referenced case number, neither myself or anyone else authorized by me has signed for nor received the merchandise included in my original dispute. Merchant provided a tacky photocopy of a return/refund policy. However, the policy fails to advise as to how they handle refunds for products damaged while the untrained cashier packs the groceries. 

As mentioned in the original complaint, the cashier XXXX attempted to pack numerous items in one bag causing damage to yogurt parfait cups, cupcake container and plastic bakery container. Therefore, liability for this action rests in the hands of the merchant and not the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I completed a FULL mortgage application with Quicken Loans. The Loan Officer was XXXX. XXXX XXXX NMLS : XXXX. I sent XXXX all documents including a sales contract, they even pulled credit. XXXX called us and confirmed we finish the application through rocket mortgage. XXXX then said in order for quicken to disclose the loan to us with a rate of 4.25 he would required {$500.00} deposit. I said ok but only if we got a Loan Estimate. XXXX then said that I should understand that this {$500.00} deposit was a handshake with Quicken and the only way he would disclose the loan at that point is if I paid the fee first. I refused. My husband, XXXX XXXX ended up talking to XXXX that night and the only thing we could get XXXX to send us was an email. Which I have attached. We have never received a Loan Estimate until this day. XXXX called us non stop for a week until we told him to stop. I am extremely concerned that we never got a loan estimate considering we completed a full mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: Credit Karma, LLC
State: TX

Complaint narrative:
Hard inquiries on credit report from unknown sources and lines of credit I did not apply for XXXX XX/XX/XXXX inquiry XXXX XX/XX/XXXX inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial Services has a charge off on my XXXX, XXXX and XXXX Credit Reports in which this account # XXXX  was included on Bankruptcy Chapter XXXX on XX/XX/XXXX and debt of around {$20000.00} or {$37000.00} dollars was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX.

BMW implemented this debt on my XX/XX/XXXX Federal Taxes.

This debt should have been reported to XXXX, XXXX and XXXX and Federal IRS because debt was included on Bankruptcy Chapter XXXX.

BMW Financial Services, XXXX, XXXX  and XXXX are in violations of my XXXX XXXX Civil Rights Act under Department of Justice and Federal and State Laws.

I am XXXX, Retired and a XXXX  Military Veteran.

Also, there is Derogatory Remarks that needs to be removed immediately as I mark Delete on credit reports.

Documents was provided it for evidence on issues.

My credit scores are suffering because of the Derogatory Remarks on my credit Reports..XXXX  score XXXX-XXXX XXXX-XXXX  XXXX my credit was pulled with my written Approval by XXXX XXXX XXXX XXXX on XX/XX/XXXX as I am going through a VA Loan process. VA Loan Consultant XXXX XXXX   -XXXX email XXXX XXXX

Company response to consumer: Closed with explanation