vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My lease was up in XX/XX/XXXX. I extended my lease per attached, received the paperwork dated XX/XX/XXXX for 90 days ( 1 month at a time to be canceled at any time but not to exceed 3 months ) On XX/XX/XXXX I received the loan extension paperwork ( attached ) which was completed and returned with a payment ( attached ) on XX/XX/XXXX I received proof tha tthe vehicle was returned to XXXX XXXX on XX/XX/XXXX and paid off with subsequent lease XX/XX/XXXX ( proof attached ). 
Ally has since reported me 30 days late fro XXXX which is impossible for a few reasons. 1 ) i lawfully extended my lease and remitted payment for XX/XX/XXXX. 2 ) I returned the car prior to retaining the new lease for 30 days per attached. 3 ) I have attached the proof that Ally was paid in full XX/XX/XXXX for the car returned on XX/XX/XXXX ( still under 30 days, which I paid for anyways ). Regardless of any claim, as evidenced, none of the above happened in over a 30 day span which is proved with the attached documents.

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 2018-05-21 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: PA

Complaint narrative:
I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in XXXX letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my XXXX letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 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: PA

Complaint narrative:
I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in 609 letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my 609 letter. I received no verification from any account. I want all to be deleted and  my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.

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 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
I terminated my Cable Service with XXXX XXXX in XX/XX/XXXX XXXX later contacted me to say that equipment related to the Cable service had not been returned. I provided the receipts for the returned equipment and heard nothing further from XXXX. This was documented by XXXX in XXXX  Case Number XXXX  and XXXX  Case Number XXXX.

On XX/XX/XXXX I was contacted by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX Reference Number : XXXX requesting payment of {$340.00} for XXXX Equipment. They provided no back-up for the requested payment. I provided the XXXX  return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I have heard nothing else from XXXX XXXX.

On XX/XX/XXXXI was contacted by AFNI 1XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AFNI Reference Number : XXXX requesting payment of {$340.00} for XXXX  Equipment. They provided no back-up for the requested payment. I provided the XXXX  return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I received another letter from AFNI on XX/XX/XXXX continuing to demand payment of {$340.00} It appears that XXXX  has sold this claim to debt collectors who seems to now be selling it to each other.

What steps do I need to take to end this harrasment?

I have all of the letter communication materials described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Hi, Navient formerly known as Sallie Mae calls me day and night nonstop. Last year I paid off {$2000.00} plus on the interest and have been making payments towards the principle loan in small amounts. I have had numerous conversations with representatives from Navient requesting a lower monthly payment that aligns with my current financial state. I have offered them a number I am willing to pay, however, Navient wants me to pay the amount they determine though it is an outlier to my expenses. I am making payments to decrease the total amount on the current balance. I have reached my max with the harassing, annoyance, sharp tones, and demanding when I am trying my hardest to be diligent in repaying the student loan I withdrew for school. Navient is calling my place of employment which is unacceptable and leaving harsh messages such as " if you do not call us back we will be forced to ... '', 'I will be calling ... ''. I would really like for Navient to be more customer and user friendly. I know they would like money now and as fast as possible, however, they have no system in place to assist with repayment. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX DOB : XX/XX/XXXX. My Address is XXXX XXXX XXXX XXXX tx XXXX. I submitted letters to TransUnion XX/XX/XXXX about accounts that weren't mine. They have failed to provide physical proof that the accounts are mine. this has been over month roughly 120 days trying to sort this out.I 've sent 4 609 letters and they haven't deleted the accounts that i'm concerned about. Im beyond exhausted and have decided to file a formal complaint.

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 2018-05-21 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: Siggi LLC
State: TX

Complaint narrative:
This company keeps reporting on my credit an account that I do not owe them on. I have contacted this company numerous times requesting information ( identification used, signatures, ect ) that was obtained in establishing this bogus account. This company has not removed this item from my credit, now have they provided any identification or signatures used to establish this account. The company is involved in illegal practices including re-aging credit. The company told me that they are not bound by the same fair credit reporting as any other agency and do not have to take false items off my credit report. I have disputed this item with XXXX  and they are not doing a thorough investigation because if they have, it would be removed from my credit as this item is false and this company is irrational, uses unfair practices against consumers, and thinks that they are above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: TX

Complaint narrative:
This company keeps reporting on my credit an account that I do not owe them on. I have contacted this company numerous times requesting information ( identification used, signatures, ect ) that was obtained in establishing this bogus account. This company has not removed this item from my credit, now have they provided any identification or signatures used to establish this account. The company is involved in illegal practices including re-aging credit. The company told me that they are not bound by the same fair credit reporting as any other agency and do not have to take false items off my credit report. I have disputed this item with Experian and they are not doing a thorough investigation because if they have, it would be removed from my credit as this item is false and this company is irrational, uses unfair practices against consumers, and thinks that they are above the law.

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 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Around XX/XX/2014 I obtained a loan from Exeter finance to acquire an XXXX XXXXXXXX XXXX. Months after I obtained the loan my parents house was about to get foreclosed on. I called Exeter finance and asked if I could make 2 late payments due to unforeseen  circumstances. The customer service representative said that she could do better than that. She told me that she would put my next 2 monthly payments at the end of my lease so that I don't accumulate late fees. It seemed like a very simple task until not even 6 weeks later my car was repossessed for non-payment, a payment in which was agreed would be moved to the end on the loan. I called and tried to get everything sorted out and they told me they didn't receive my agreement, I sent them the information showing them the agreement and the representative told me it was too late and that I would have to pay almost {$4000.00} in fees that were assessed. The company illegally repossessed my car for purposes that were the fault of the company and weren't willing to take the blame or make it right by returning my vehicle even though they acknowledged their fault in it. The company therefore broke an agreement made between the company and consumer and it needs to be remedied. I have contacted XXXX  as this item should have never went on my credit report, it is a fraudulent loan due to agreement terms being broken by the company. If this item isn't removed from my credit report, I will be pursuing charges and contacting the FTC to pursue fines for unfair and unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I

completed a 36 month lease agreement for a XXXX XXXX XXXX   with XXXX XXXX XXXX XX/XX/XXXX. Vehicle was turned in with 0 payments due. 45 days later While XXXX XXXX XXXX   had possession of said vehicle, XXXX XXXX XXXX   was given a detailed inspection list of wear and tear for end of lease damage. XXXX XXXX XXXX in returned billed me XXXX. I wasnt offered a new contract stating the terms of repayment for the end of term damage. I PAID the XXXX and a negative report was still reported to all 3 credit bureaus. The 45 days it took to create the damage report would definitely show that the XXXX bill wasn't a monthly payment. I've disputed error and I'm told account is mine, which I never denied being the leasee of the XXXX XXXX XXXX.

as of XX/XX/XXXX XXXX XXXX XXXX still reports to the credit bureaus a car payment that was 60 days late. This is not fair. 7 years later I am still requesting they delete all history good or bad of this account from my credit report. Im requesting new laws on how fees accumulated at end of lease are collected.

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 2018-05-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: NH

Complaint narrative:
LTD Financial has been very aggressive in trying to increase my monthly payments. I have already paid over half of the {$19000.00} loan down, so am not trying to get out of what I owe. However as a single parent with other student loan payments I am doing the best I can and have explained that I can not pay more than I currently am. The company, specifically employee XXXX XXXX, continues to call me. She has been rude, curt and aggressive, telling me what I am able to afford is not enough. This is causing a significant amount of stress. Currently I pay {$270.00} a month but have been told that I now HAVE to pay {$370.00} a month. When I asked why this amount, I was not given a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EMBRACE HOME LOANS
State: MD

Complaint narrative:
A storm ripped through Maryland, downing a tree on our house. Several holes were put in our roof and many of the tiles were damaged. We had to have the entire roof replaced. Because of the cost of repairs, XXXX issued a check with both our name and our mortgage company 's name. We had to give them the check along with a notarized form signed by both our contractor and us. The check was for {$6800.00}. 

We submitted all of the paperwork to Embrace Home Loans 3 weeks  ago. The work has been completed and we still can't get our mortgage company to release the money. 

The issue, they say, is because we didn't all sign the form on the same day. 

Here 's what happened. 

We signed and the notary notarized it. 
The next day, the contractor left his work-site to sign it. and the ( exact  same ) notary notarized it. 

Finally, the notary notarized it at the end, showing that everything had been overseen and notarized by the same notary. 

Embrace says they can't accept it because it was notarized on different days by the two parties. We explained that our contractor is very busy and both my wife and I have full time jobs. In order for all of us to make it there on the same day, we would have to take even more time off work ( than we already did ) which will cost all of us more money. 

Bottom line is, the work has been completed. Everything is done. But, Embrace Home Loans is holding the money hostage. My lawyer friends say there is nothing about the notarized document that should allow them to keep the money. Worse yet, they have already cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
on XX/XX/XXXX bank of america placed a block/freeze on my checking account and did not notify me of this act. on XX/XX/XXXX i wrote a bank of america check to be deposited at my local bank. the check amt was {$1200.00} and was covered by the sum in my b of a account. my local bank deposited the check. on XX/XX/XXXX my local bank XXXX fined me {$12.00} for the bank of america check that bounced due to the freeze which i was unaware of. as i understand it bank of america is legally required by law to notify customers of any changes in their accounts. bank of america has my address, email, and telephone number and could easily have called me on XX/XX/XXXX but never notified me at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had 2 bank accounts with Bank of America. I had my single account for more than 20 yrs. The 2nd one was opened jointly with and for my son in XX/XX/XXXX. In XX/XX/XXXX, my son 's bank card was lost and someone deposited checks into his account in a different state. I am now in XXXX/XXXX  for fraud. However, I did nothing fraudulent and never have with my bank account.

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 2018-05-21 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: IL

Complaint narrative:
I want to start off my stating that I have very much enjoyed Nelnet 's  assistance regarding my loan and have never had any issues until JXX/XX/2016, I did not receive word from Nelnet that my forbearance was to expire. I looked through my emails and found no correspondences. Which is unlike Nenlet because they have always contacted me with any concerns regarding my loan. 

It seems I have about 12 missed payments? These missed payments are around the time I had lost my cousin and my family fell on hard times. I was the main breadwinner considering my cousin and my dad whom is XXXX lived with me so there were so many changes going on within the family. When I saw the missed payments, I was so upset. I had never missed any payments. I mailed in a letter for deferment but it seems it never reached Nelnet. 

Ive recently acquired a decent paying job and will be actively paying off my loan debt. As you see, the last couple months I have been paying off the loans on time and I've even paid off an extra amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX etc are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX  attempted to withdraw XXXX dollars from my checking account! I live in XXXX and have never been to XXXX  ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The entire time that I have had this XXXX card, they have incorrectly done things to my account. They have never sent me a statement to my mailing address, they completely got my name wrong on my card, they wouldn't accept my payments in store, just constant headaches. My biggest headache is that they have tarnished my credit with a late payment in XX/XX/2017. Don't know where it came from, asked them to send detailed documentation showing where statements were going, payments that were made, and everything else.

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 2018-05-21 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: TX

Complaint narrative:
The entire time that I have had this XXXX card, they have incorrectly done things to my account. They have never sent me a statement to my mailing address, they completely got my name wrong on my card, they wouldn't accept my payments in store, just constant headaches. My biggest headache is that they have tarnished my credit with a late payment in XX/XX/2017. Don't know where it came from, asked them to send detailed documentation showing where statements were going, payments that were made, and everything else.

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