vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through Ally Financial. A XXXX XXXX XXXX, XXXX : XXXX. The vehicle was repossessed on or about XX/XX/XXXX. 

A dispute letter has been mailed to Ally and XXXX XXXX disputing the full amount of {$10000.00} for vehicle that Ally is requesting me to pay. Because the vehicle has been sold, I should not owe the full amount. Allys account number XXXX. 

In addition, after the vehicle was repossessed, I did not receive any notices, and after the vehicle was sold I did not receive anything showing what the vehicle sold for : below is what I should have received from the financer, but I did not receive anything. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 

2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 
Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own. 

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own. 

When a finance company finances a vehicle then repossess it, they can not collect all of the money on the vehicle what it was initially sold for. Once the vehicle is sold, the finance company must provide proof the vehicle was in their repossessed and proof the vehicle was sold and how much the vehicle was sold for minus the initially sell of the vehicle. 

It is unfair to collect all the money of a sold vehicle and then ruin a person 's credit for seven-years from a vehicle that is sold.

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 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Platinum Holdings Group, LLC
State: VA

Complaint narrative:
Refer my CFPB Complaint # XXXX. Debt was XXXX XXXX XXXX account. Was contacted over 4 years ago ; I ran into lack of job and other financial difficulties. Card is charged off ; Contract sold to PLATIMUM HOLDINGS of XXXX, CA. - File # XXXX. I dispute notification of debt and account. I was contacted XX/XX/XXXX by a Process and Services Agency called XXXX XXXX XXXX, and was informed after calling number for more info, spoke to XXXX XXXX, a Claims and Mitigation attorney with XXXX XXXX XXXX in California. He gave me Case info and that it had been sold to Platimum Holdings, a Client of XXXX XXXX XXXX. This Debt is OVER 10 YEARS OLD, and the statue of collections was to expire XX/XX/XXXX, per XXXX XXXX. My Original balance about XX/XX/XXXX was {$980.00}, but was informed by XXXX XXXX that interest and penalties accrued, unbeknownst to me, to a balance of {$2800.00}. I want balance down to a more manageable amount if it is required to pay off, even though it is a charged off account. I want my file removed and released and do not want to be contacted by XXXX XXXX. County, VA court system. I could not make payments, fell short, tried to contact and get resolution, lost contact with whomever was holding debt. Was not notifed it was reported to another collection agent and then sold. Account " dropped into a crack. '' Does not show in my current credit files. Why notification now, over 5 years no contact, no notification and account sold and not informed. When I try to obtain more and better employment, this should not be in the records to hold me back from gainful employment. These companies " did not act in good faith '' to try and contact me until now. When verified, my DOB, info and address are current and on file, so there is No Excuse of no contact from XXXX XXXX and Platimum Holdings. XXXX XXXX gave me contact number for Platimum. It is : XXXX and they are in XXXX XXXX, California. To my knowledge, my credit is in good standing. I do not need this issue hanging over my head. 
XXXX XXXX original Credit card account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My credit reports are showing that my Walmart store credit card, issued by XXXX XXXX, was charged off in XX/XX/XXXX. This is an old account that was actually charged off in XX/XX/XXXX and this inaccurate date caused my credit score to drop because it looks like I have a recent delinquency when, in fact, I do not.

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 2018-09-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are showing that my XXXX store credit card, issued by XXXX XXXX, was charged off in XX/XX/XXXX. This is an old account that was actually charged off in XX/XX/XXXX and this inaccurate date caused my credit score to drop because it looks like I have a recent delinquency when, in fact, I do not.

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 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Performant Financial Corporation
State: CO

Complaint narrative:
XXXX XXXX called my employer on XX/XX/18. My boss called me into the office and said that the lady on the phone told her it was a recorded line and asked to speak to me. When I answered this call, the lady gave me her name and stated that she was with XXXX XXXX. She then proceeded to state an address, last of SSN, and birthdate which was incorrect. I told her no. She asked if i received their letter in the mail. I did not. She then asked for a better contact after I asked for them to never call my employer again. I asked for all communication to be done in writing via mail. It has been a week and no letter in the mail. I check my credit report, and discovered that XXXX XXXX has done a hard inquiry on my XXXX  credit report without my consent or knowledge and are not on my credit report listed as a debt owed. I feel like this is harassment.

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 2018-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
My mortgage is current with Seterus Inc., and has been paid on time over the past 9 years. The payment is due on the first ; the grace period is until the XX/XX/XXXXof the month. My payments for XX/XX/XXXX and XX/XX/XXXX were paid after the XX/XX/XXXX but before the XX/XX/XXXX. When receiving the statements, they show a past due amount because the company sends out statements dated the XX/XX/XXXX. There is no past due payment on these statements. When speaking with a rep, I was told this is what the company does and a lot of customers get upset about it. It doesnt look good to get a statement showing past due when that is NOT the case. This could be very confusing to some clients who scramble each month to keep their payments current. They could end up forwarding additional payments thinking theyre past due. The company should be able to change their practice and not send statements out until after the XX/XX/XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/2018 I got a letter from XXXX XXXX saying that I needed to update my personal information in my XXXX XXXX XXXX account. 
I promptly went into my online profile and made sure all my addresses and phone numbers were updated. Yesterday XX/XX/2018 I received a final letter stating they had closed my account! My XXXX XXXX XXXX acct through XXXX was closed because I had my XXXX XXXX listed on the acct and they wanted a physical address. The letters from XXXX where not clear or specific in what they needed so i thought i had properly updated my profile. I didn't know they were demanding me to add my physical address to the acct. That is what the XXXX  agent told me on the phone. She also said my acct is in great standing, 10+ years in good standing! I pay early & more than due each month. They say they are protected by the patriot act but I think it's a bogus excuse to close accounts. Something needs to be done! Class action lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX I was born XX/XX/XXXX the debt the showing on my report is not related to me there are three other XXXX  I need this remove my credit report I need a full investigation are all my debt including inquires I havent had any choir because I have not stayed in the state for almost 2 years please resolve this in a soon as possible my email is XXXX or XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-09-18 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: NY

Complaint narrative:
Pleae remove these inqiuries XXXX XXXX, XXXX, XXXX, XXXX, XXXX and my XXXX XXXX wwas paid in full, XXXX XXXX XXXX, XXXX XXXX  paid in full with no balance. please remove XXXX XXXX XXXX XXXX. its over 7 years old please.

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 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had two blue cards in my wallet. Used wrong card today thinking it was a debit card. Instead, it was XXXX 's XXXX credit card issued by XXXX XXXX. When I placed the card in self check out at Walmart, I asked for a {$40.00} cash back, thinking it was my debit card with XXXX. Instead, it kicked out {$100.00} cash to me and paid for the small grocery item. 

When contacting XXXX XXXX today asking to reverse the pending charge on my credit card, by paying the {$100.00} back and manually replacing the mistaken withdrawn cash with an instant payback. They refused to do so and said the only way to pay any cash withdrawal was to first pay off the entire balance. Thus, this {$100.00} cash withdrawal will charge an additional 3 % interest until paid, based on their refusing to manually accept the mistaken cash back within the same hour the transaction took place. I then immediately closed my account with them. 

This isn't my first problem with them. They mistakenly opened multiple accounts and closed accounts in my name over the years, failed to report actual payoff balances after numerous complaints that wrongly showed a balance over my credit limit which has never happened in the life of my account with them. 

Their phone systems are also flawed. Both verbal and type in account information was never recognized. Their online chat also was worthless and misleading. No live person was there and she was in XXXX most likely not understanding a word if she was live. 

I have had enough. I also closed my other account with XXXX XXXX. The abuse by this company has been long and against credit card/consumer laws. A full investigation of their flawed systems should be done immediately. I have lots of debit and credit cards. None abuse me or have abused me like XXXX XXXX. Perhaps the last part of their name tells it all ... .chroney ....

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 2018-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I just cant get any lower payments with Navient. The amount is way to high and with the school XXXX being shut down due to fraud with financial aid I don't believe me or any other XXXX   should pay that amount back if not paying anything back. I cant use my credits that i earned from XXXX to go to another school if i wanted to. I would have to start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I attempted to make a payment on my Sears card via the internet, and was unsuccessful. I called customer assistance and was informed that my account had been changed to a mastercard account. I was further told that I had been sent 2 letters giving me a terminal date to refuse the mastercard, which was activated after no refusal was received from me. I told the agent that I had not received any letters and I did not need another credit card. I asked that my account be reverted back to the regular account that I had. I was told that they could not do that since the card was activated. I firmly stated that I did not request or desired the card. I further stated that I did not want to make a payment that would go to that mastercard. I was told again that the account could not be reversed. I hung up dissatisfied and contacted the Maryland Attorney General 's Office of Consumer Protection, who referred me to you. I currently have 2 credit cards and do not want more, especially one that I had no previous knowledge of, nor requested. Your assistance is greatly requested. Is this another " XXXX XXXX '' situation. Please advise.

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 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I'm not an expert on this, but I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
To whom it may concern, Thank you for taking the time to read my comments and concerns. I am currently a XXXX XXXX customer of over 15 years in total dating back to the account that this letter pertains to. 

I am reaching out to the CFPB in the hope that they may assist me in finally reaching a resolution to my unique situation. 

My previous account was sent to collections on XX/XX/XXXX because there was a dispute on my behalf of the total charges of {$1800.00}. I was willing to pay the total amount due at the time but naturally, I needed a more detailed explaination from a Representative explaining to me how the bill became so high.I didn't receive enough information to verify debt. After several months of back and forth with my Unresolved matter and unanswered questions the account was sent to collections without me being aware of this action taken against me. If I knew that XXXX was going to send the account to collections I would have just paid the entire amount reluctantly.I didn't receive notice of my right to dispute. Fast forward to XX/XX/XXXX, I was contacted by a Collection Agency ( Diversified Consultants ) that is hired by XXXX XXXX that said they represented you as theyre client and as long as I secured payment with them in the form of a settlement for the amount of {$750.00} that they would notify XXXX and that my debt would be settled and all negative remarks removed/deleted from my account and credit reporting. Sounds good right? So I pay and Im under the impression that all is well. Fast forward some more to XX/XX/XXXX Im currently in the process of refinancing my home Loan and have been going through the steps with my lender. To my surprise I was notified that I still have XXXX XXXX showing as a collection on my credit report from a couple of years ago. The report shows that the account in question has been settled for less than full payment and the account has a zero balance but it has not been deleted/continuing to report. 

After calling XXXX XXXX customer service representatives numerous times last week and spending hours explaining my story to several people I have been unable to get this resolved. I dont know what else to do and if Im not able to refinance my mortgage payment with my lender ( XXXX XXXX ) XXXX XXXX , I could be in jeopardy of losing my home entirely. I feel there has been inaccuracies with This credit reporting from the beginning and I cant stress enough how important it is to my Family that I be able to have this resolved. Please please reach out to me somehow so that we can discuss this further. 

I appreciate you so much for reading this as I know you must have more important things to attend to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Refer my CFPB Complaint # XXXX. Debt was Citibank XXXX XXXX account. Was contacted over 4 years ago ; I ran into lack of job and other financial difficulties. Card is charged off ; Contract sold to XXXX XXXX of XXXX, CA. - File # XXXX. I dispute notification of debt and account. I was contacted XX/XX/XXXX by a Process and Services Agency called XXXX XXXX XXXX, and was informed after calling number for more info, spoke to XXXX XXXX, a Claims and Mitigation attorney with XXXX XXXX XXXX in California. He gave me Case info and that it had been sold to XXXX XXXX, a Client of XXXX XXXX XXXX. This Debt is OVER 10 YEARS OLD, and the statue of collections was to expire XX/XX/XXXX, per XXXX XXXX. My Original balance about XXXX was {$980.00}, but was informed by XXXX XXXX that interest and penalties accrued, unbeknownst to me, to a balance of {$2800.00}. I want balance down to a more manageable amount if it is required to pay off, even though it is a charged off account. I want my file removed and released and do not want to be contacted by XXXX XXXX. XXXX, VA court system. I could not make payments, fell short, tried to contact and get resolution, lost contact with whomever was holding debt. Was not notifed it was reported to another collection agent and then sold. Account " dropped into a crack. '' Does not show in my current credit files. Why notification now, over 5 years no contact, no notification and account sold and not informed. When I try to obtain more and better employment, this should not be in the records to hold me back from gainful employment. These companies " did not act in good faith '' to try and contact me until now. When verified, my DOB, info and address are current and on file, so there is No Excuse of no contact from XXXX XXXX and XXXX XXXX. XXXX XXXX gave me contact number for XXXX. It is : XXXX and they are in XXXX XXXX, California. To my knowledge, my credit is in good standing. I do not need this issue hanging over my head. 
XXXX XXXX original Credit card account number : 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 2018-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Pleae remove these inqiuries XXXX card, XXXX, XXXX, XXXX, XXXX and my XXXX card wwas paid in full, XXXX credit card, XXXX loan paid in full with no balance. please remove XXXX  XXXX credit card. its over 7 years old please.

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 2018-09-18 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: NY

Complaint narrative:
Pleae remove these inqiuries XXXX card, XXXX, XXXX, XXXX, XXXX and my XXXX card wwas paid in full, XXXX  credit card, XXXX loan paid in full with no balance. please remove XXXX  XXXX credit card. its over 7 years old please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I'm not an expert on this and I'm not sure how this can happen. I was shocked when I reviewed my credit report and found late payment on the dates below on my XXXX account. I made the payment but apparently it's not getting applied correctly. 

XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation