vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My name is  XXXX   XXXX , I am trying to get in contact with somebody at the Settlement Division or Consumer Financial Protection Bureau to see if you can help me in the following matter. Consumer Financial Protection Burea u, Ally Auto Finance Settlement and U.S D epartment of Justice sent a letter with a checkwith the amount of {$520.00} because I was identified as eligible to receive this money from a settlement between the Consumer Financial Protection Bureau, th e U.S Department of Justice, Ally Financial Inc. and Ally Bank over allegations  of discrimination in auto financing between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX . In the letter said that this amount was determined by the Consumer Financial Protection Bureau a nd U.S Departm ent of Justice. Until today I have not been able to deposit this check because it was sent to a wrong address and by the time I got the check itwas already expired. I have called the phone number that is in the letter so many times with no results because I do not have a specific extension that they ask for. I have called the Consumer Financial Protection Bureau and the representative told me to write an email to Ally Auto Finance to see if I can resolve my problem. I wrote the email on  XXXX   XXXX ,  XXXX  and I have been waiting for a response since then with no answer until today  XXXX   XXXX ,  XXXX . I need that whoever is in charge of this matter get in contact with me so another check can be sent to me. I am going to attach a copy of the letter with the check that I receivedand I am going to provide my updated address.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  FL  ,   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 2017-06-19 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: CA

Complaint narrative:
My dispute is in reference to a collection account that has been placed on my Transunion, XXXX and XXXX credit bureau reports. The account I am disputing is XXXX XXXX, a collection account for {$700.00}. ( The original creditor is noted as XXXX XXXX XXXX. ) I have no record of opening any credit card account with XXXX XXXX XXXX, and am disputing this account as inaccurate/not my responsibility.

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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
hello I called Equifax to update my personal information they did the security validation which validated my identity and I am who I say I am I was just trying to update my personal information they are reporting as far as my addresses they have several incorrect addresses on file for me and stated I have to send in that request so I asked was that something new as my fianc updated her address with them over the phone, I do n't understand why I was not able to update this if all of my information was verified and I passed the identity verification. the rep was also so rude when my fianc was trying to help me and advise she was able to update her information over the phone exby was the worse customer service rep. i was also trying to advise that the inquiry on my account was not valid as well but was not listened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my report.

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 2017-06-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my report.

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 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I used to have a XXXX XXXX XXXX XXXX XXXX issued by XXXX XXXX. InXX/XX/XXXXthese XXXX  have been sold to XXXX XXXX XXXX. My balance with XXXX XXXX before the takeover was XXXX. I received a new card from XXXX XXXX XXXX  and started with a XXXX balance. I have recently checked my credit report ( XXXX ) and noticed that XXXX XXXX XXXX shows 2 open accounts, the one currently in use and another one with an open balance of {$140.00} since XX/XX/XXXX but no payment due. I do not recognize the account number at all. I have contacted XXXX XXXX XXXX Customer Service, they do not find a second account in my name or any applications, and no payments due on my account, since I always pay my statements in full every month. I have called the number for XXXX that is shown on my credit report, which turns out to be some kind of number that tries to get you into some sweepstakes, home insurances and other bogus things. I have not pushed any buttons or numbers, as I am aware of these kinds of scams.
I have filed a dispute with XXXX, to no avail as of today.
Further down I am asked for the card/account number. I have put in what I know, nobody can tell me the last 4 digits of that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
We have a auto financed through XXXX XXXX. XXXX XXXX XXXX which was purchased for {$9900.00} but the loan was transferred to Santander Consumer USA, we have made monthly payments ( some late ) for the last 4 years, a total of {$20000.00}. According to Santander USA, we still have a balance of {$21000.00}. A car that was sold under $ 10K, which is now worth {$1200.00} according to XXXX XXXX XXXX. Unable to come out of this debt, the car was repossessed and we still  have a balance of over $ 21K. How can it be LEGAL for a loan company to charge over {$30000.00} of interest on a loan that was under $ 10K? we believe Santander Consumer USA is acting as loan sharks charging fees and increasing interest rates without notifying the client or adding it in areas that was not indicated by the sales person. We have seen a class action law suit against Santander Consumer USA for the exact same thing in which thousands have signed up. can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: WA

Complaint narrative:
XX/XX/XXXX put my account into forbearance. Was charged a {$100.00} fee. XX/XX/XXXX was told that I could not put my loans into deferment. Got a bill for over {$800.00}. Called to resolve the matter asking for a lower interest, and was outright denied. Was told that the interest only payment was over $ XXXX/month. Was asked to pay this amount and could n't because I was living on SSI with an income of {$730.00}. I can not make these payments and I still live on SSI. I have not made any attempts since XX/XX/XXXX to resolve the matter or make payments. The {$50000.00} loans now total over {$100000.00} and I am still getting calls from creditors to collect on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I wrote a letter to Freedom Mortgage on XXXX XXXX, 2017 to request removal of the PMI on my mortgage. I attached a copy of the most recent appraisal provided by Freedom Mortgage. The value of the property is {$140000.00} my principal balance is {$110000.00} leaving a LTV of 78.58 % I received a letter in response dated XXXX XXXX, 2017 that stated they were unable to approve my request because my LTV was greater than 80 %. I have written another email dated XXXX/XXXX/2017 to the rejection letter requesting the PMI to be cancelled.

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 2017-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX  from national credit adjusters contact my employer and asking for my managers name.I spoke to a gentlemen name   XXXX   at national credit adjusters acct number  XXXX . I did tell them they can not contact me at work and i had already told them before. Still they did call me to my employer. as i was speaking to  XXXX  i did explain to him what i knew about not been contact at my employer. he then said i was uninformed and they could contact my employer anytime. i said i was hanging up and i would take care of the matter in a later time when i could and not to contact me again unless is by paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: AL

Complaint narrative:
Hello I have reached out to Equifax several times in regards to the  13  inquires I have on my account which does not belong to me I have no knowledge of these inquires and would like them to be removed immediately. I 've sent on several occasions to Equifax the below mind you I have no inquiries on my   XXXX   report at all as far as these inquiries Equifax has.   I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : Firm offer of Credit, Insurance, Employment, or Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company is trying to collect {$1600.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: TX

Complaint narrative:
they pre approved me for a loan between  XXXX  and  XXXX . After I sent in my paystubs they cut the loan back to  XXXX  when I had requested  XXXX  and had been pre approved for it. The income I stated on the application is the same info that matches my paystubs. Now I have an inquiry on my credit for something I do n't want. I agreed to the credit pull for a loan of  XXXX  not  XXXX . No one has explained to me why the loan was cut back so far or for what reason. Now I am also left with an inquiry on my credit for a loan that 's not enough to refi my debts. This is a total bait and switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank got a check from me a  XXXX  person {$26.00},  XXXX  from social sercurity, they took over {$800.00} for a deposit which is illegal, my attorney   XXXX   XXXX   is the witness  XXXX   XXXX   XXXX  regions owe me big time it is against the law to take funds from a  XXXX  person

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 2017-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
My name is XXXX XXXX and I am a XXXX XXXX. I am attending the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX in XXXX ) Program and expect to graduate in XXXX of 2018. I currently have a balance of roughly {$240000.00} in federal student loans ( comprised of direct and FFEL loans ) with XXXX XXXX XXXX Account Number : XXXX. Some of these student loans are in " deferred '' status and some of the loans are in an " in-school '' status. I would like to begin repaying the entire balance of my student loans with Fed Loan Servicing. As a result, I submitted an Income Driven Repayment request through StudentAid.Gov. I contacted Fed Loan Servicing today and was told they received my Income Driven Repayment Request but can not process my request since I am in an " in-school '' status. In addition, I was told I can only repay my loans at this time with a " deferred '' status and that I can not begin repaying any of my loans that are in an in-school status because the " grace '' period on these loans has not been satisfied. I find it unacceptable that I can not begin repaying on the entire balance of my Fed Loan Servicing loans with an Income driven repayment plan because of an " in-school '' status. As a result, I feel as if I am being discriminated against since I am a student. As you are aware, interest continues to accrue on my student loans while I remain in school. In addition, Fed Loan Servicing is refusing to provide me with a letter which states the current payment on the balance of my loans with Fed Loan Servicing when the lowest Income Driven Payment plan that I would qualify for is applied against my loan balance. This letter is required by a current lender and is necessary to be approved for financing. As a result, I am requesting your assistance with these matters as Fed Loan Servicing is refusing to assist me with my requests. Thank you in advance for your assistance. Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: CA

Complaint narrative:
My dispute is in reference to a collection account that has been placed on my  XXXX , Equifax and  XXXX  credit bureau reports.     The account I am disputing is  XXXX   XXXX , a collection account for {$700.00}. ( The original creditor is noted as  XXXX   XXXX   XXXX . ) I have no record of opening any credit card account with  XXXX   XXXX    XXXX  , and am disputing this account as inaccurate/not my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this request because Transunion as ignored my request to provide me with the documents that their company as on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' Please resolve this manner as soon as possible. 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 2017-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
XXXX   XXXX  had a note with Nationstar. The balloon payment was coming due as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  contacted  Nationstar  in  XXXX  of  XXXX . Nationstar advised  XXXX   XXXX  to continue making his monthly payment and Nationstar would work with him on getting the balloon payment refinanced.  XXXX   XXXX  continued to send monthly payments in  XXXX ,  XXXX ,  XXXX  and  XXXX . In  XXXX  Nationstar returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and they would no longer accept payments.  XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit reporting agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 days delinquent even though  XXXX   XXXX  made the payments.   We contacted  Nationstar  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However, Nastionstar made an aoral agreement to accept payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make the payments. The credit report however says he failed to make the  XXXX  payment in the amount of {$770.00}, despite the fact that he make a payment of {$800.00}. Further he sent Nationstar the  XXXX  and  XXXX  payments, Nationstar is reporting them not made because they were returned. We have disputed the information with Nationstar,  XXXX ,  XXXX , and   XXXX  .  Nationstar  continues to insist the reporting was correct despite having received the payments in  XXXX ,  XXXX , and  XXXX  and being proved proof of the sent payments.  XXXX   XXXX  has been denied credit because of the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Credit,, they report I have numerous Alias names which is not correct. I have never ever submitted an alias name from my name I 've always used my one and only name I was born with that is all. I have received mail with wrong spellings and wrong names but I have never ever ever tried to use an alias never have never will it wo n't happen but yet when companies look at my background it looks like I 've been using many aliases and it looks like nefarious scandalous activities. I want that information to be correcting it taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX XXXX I received a phone call from XXXX XXXX, demanding a payment of {$1000.00}. After my surprise I started asking questions, and I realized that this was a collection office, because they only identified themselves as XXXX XXXX. They said that they partner with Toyota. I have already file a complaint against XXXX. When I called Toyota right after I got off the phone with XXXX, I wanted to find out why I was never informed I have a balance.From customer service I got transferred to a different department. I was told that Toyota has no longer have access to the information I needed to hear. All questions should be addressed to XXXX. I explained that XXXX told me to contact them. After the initial call I contacted Toyota two times the same day and nobody could gave me an explanation. I asked to speak to a supervisor, somebody that could listen to me. I was told that the supervisor was going to say the same to contact XXXX. In other words I was denied to speak with a supervisor The last correspondent I received from Toyota was on XXXX XXXX XXXX. Will attached letter. On my third call to XXXX the same day I was told that it was a deductible from my car. insurance. On my first accident in XXXX, I have same model, same insurance coverage, with Toyota. The car was reported as a total loss, I did n't pay deductible because it was a total loss. In this case the car was a total loss too, I had the same insurance coverage but I have to pay deductible this time. Why?

Company response to consumer: Closed with explanation