vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 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: NY

Complaint narrative:
I purchased a car from a XXXX dealership and obtained financing from GM Financial. I made all of my payments on time, without any late payments or less than the amount required. In XXXX of 2018 I paid off my loan in full, years in advance. The title was released immediately, however GM Financial then promptly stopped reporting everything related to my account to the credit bureaus. I have a perfect credit report. I do not have a single delinquency, collection, or negative remark on my credit. However, I now have this account on my report which has not been updated for going on 6 months and it is starting to have an impact on my score and my credit worthiness in the eyes of creditors. It does this for two reasons. 1 ) It appears that I have a balance for on a loan that originated on specific date and the balance has not decreased like it should be. While there have not been reported dates and lenders can see that, it isn't being taken into account. It reflects poorly on me. 2 ) When I paid off the car, I did so because I sold it because I unexpectedly moved to XXXX and no longer needed it. It was a relatively new car and I took a large loss on it and I had to take out an unsecured personal loan to cover the difference. So now I have the loan of the personal loan counting against me PLUS this car loan because GM Financial is refusing to pushing that I paid off my account.

I have called GM financial repeatedly about this issue. They have claimed to have updated their system and as a result have stopped reporting to the credit bureaus. I am a software engineer with 15 years experience. I can tell you that you do not roll out a system upgrade like this if you need to take a portion of it offline for 6 months because it doesn't work yet. I was told multiple times that I was back online and it still hasn't been reported. At this point it is impacting my life and and I am unable to obtain financial products that I am seeking specifically because of GM Financial. If I am in this situation and I have a perfect credit report and an income of XXXXyr, how many other people is GM Financial impacting with their sloppy system upgrade?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My ex husband used my information to open this account in my name without my knowledge or permission. I've made attempts to satisfy the debt but have been unable to do so, until recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.

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 2018-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My XXXX XXXX Visa Card issued by XXXX  XXXX has the following rewards : 1. {$500.00} reward dollars ( unexpired, re-issued on XX/XX/XXXX and XX/XX/XXXX ) 2. {$95.00} reward dollars ( expired ). XXXX XXXX representatives has always assured me that expired reward dollars will be re-issued. 

I haven't been using the card because this type of reward dollars was not the most useful thing for me. I was saving the {$590.00} reward dollars for future purchases. 

I signed in to this account on XX/XX/XXXX to get them to re-issue the {$95.00} rewards dollars that expired, something that I routinely do because the reward dollars expire in 6 months. I found out that XXXX  XXXX has closed my account. I did not receive any warning about them closing my account and hence, losing all my reward dollars as well. 

While XXXX  XXXX might have the legal right to close my account without notifying me, I find this practice unfair and unethical. If XXXX XXXX had notified me that my account would be closed, I would have spent the {$590.00} before they close my account. In essence, by closing my account, XXXX XXXX   has saved the {$590.00} they might incurred if I had the opportunity to spend it.

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 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. 
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff  attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. 
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I co-signed for my daughter to get additional money for school. When I co-signed on loan I asked once she graduated could I be taken off the loan. I was informed my daughter had to make payments on the loan for a year after she graduated but I was also still responsible for the loan. On XX/XX/XXXX, my daughter applied to have me taken off the loan. It had been over a year since she is paying on the loan. On XX/XX/XXXX, I received an email regarding the outcome of the approval of removing me from the loan, and it was denied. I called XXXX XXXX today to find out why the application was denied and was informed because my daughter put her loan in forbearance and wish I was not aware of since I am the co-signer. XXXX XXXX customer representative tells me I had to wait until XXXX to reapply and be removed from the loan. XXXX XXXX loan has been paid on time since XXXX when the loan was approved, and my daughter has paid the loan on the till date. XXXX XXXX contract states as a co-signer I am responsible for the loan if my daughter can not pay it. However, they did not inform me the loan was going in forbearance which would give me the opportunity to see if it was going to hinder anything. However, XXXX XXXX put the loan in forbearance and want to hold me on the loan for another year. Also, when I look at the payments, the forbearance was paid o XX/XX/XXXX, and I applied to be removed from the loan on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I have contacted both Nation Star Mtg. and XXXX on numerous occasions to get this rectified. I closed on a previous house that I owned on XX/XX/XXXX, with Nation Star as the mortgage holder and XXXX holding the flood insurance. I contacted XXXX and sent them documentation to show that the loan was closed in XX/XX/XXXX, because I received documentation saying that a bill was due for the year XX/XX/XXXX - XX/XX/XXXX. I was told that Nation Star made the payment in XX/XX/XXXX for the year XX/XX/XXXX - XX/XX/XXXX, who has changed their name to Mr. Cooper. Nation Star,  was notified in advanced from the attorney of the property and myself about the closing of the home. XXXX, advised me to send the closing statement to them again, which I did. I still received statements, showing that a payment needed for XXXX - XX/XX/XXXX. I called XXXX main number and I was told that there was not anything they could do, but the individual agent. I then called Nation Star and they said that once payment is made it is out of their hands. I am asking for help to have this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IN

Complaint narrative:
This collection amount of {$560.00} was incorrectly placed on my credit report in XX/XX/2017 and I had no idea it was there because I never received any notice of it. This debt should not be in my credit file because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XX/XX/2018 Fair Collections & Out Acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. 
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. 
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX 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 2018-06-06 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: CA

Complaint narrative:
I disputed a bankruptcy with Experian and XXXX. XXXX   removed it but Experian and XXXX refused to.

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 2018-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
USAA took {$170.00} from my account for a package of beauty cream from some company in Florida that I do not know who it is nor did I order. They say that this company has communication with me and that the post office did deliver it. I have never received any package. USAA claims the package was delivered according to the company, yet there is no signature of mine indicating I received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint narrative:
I've used Navient to supplement payment for XXXX school since XX/XX/2009. In hindsight I have realized that they are incredibly misleading about the loan terms they offer. For example, they initially reassured me that loans do not go into re-payment while still in training ( ie residency ). However, what they didn't tell me is that 'deferment ' only lasts for three years. I also struggle to make payments due to my current circumstances. Every time I contact Navient they are extremely unhelpful in giving me information, options and directions of how to seek lower monthly payments. They are essentially incredibly unethical by not giving full information about their terms and services. They then put obstacles in the way to assist people in lower payments, achieving deferments, educating them on options, etc etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Shellpoint is the mortgage company who services our loan. They are reporting to the credit bureaus that we have been and are still late on payments with them. My wife, XXXX XXXX and I, have never been late. This has gone on for well over a year. We have spent over 100 hours contacting Shellpoint to fix our credit reports. We have called over and over, gone up the chain of command, emailed and wrote many letters to them. They told us that they had fixed the problem but it continues to show on our credit reports. We have written the credit bureaus many times just in case they were reporting the wrong information, it seems as if the problem lies with Shellpoint. The other issue is our rate is adjustable and rates are starting to go up. We need to obtain a new mortgage loan but can not because of these late payments. This has harmed has caused us a lot of stress, anger and frustration and it is hurting us financially. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I ordered an vac system from sears in XX/XX/2017 with. one year warranty when I call they say they didn't do the install yet I have paid almost 9000.00 dollars so far for the installation they keep passing me from department yet no one is the right department to handle my complaint I would like to know if they did not do the install why am I paying them XXXX dollars and XXXX on the side for an extra zone they refuse to service a system less then one year old yet im paying Citibank for an install they say they didn't do I am being scammed by sears and Citibank for a system they say they didn't install I have payed almost 9000 dollars and do not have. WORKING SYSTEM

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 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: MO

Complaint narrative:
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, Experian, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

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