vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account was paid by my grandfather. When he died, his brother took over the account as his beneficiary. He stopped the payments and closed the account without my knowledge. So why am Im receiving none payment on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was told by XXXX XXXX supervisor that they are not showing a late payment for my previous account. However, when I checked my credit report its showing my account was late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Last year I moved from XXXX XXXX to XXXX  I registered my car motor vehicle department ask me the title for the car ask my XXXX XXXX XXXX to send a title to the XXXX Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of Maryland my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask XXXX to send them one year before I called XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending titles and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV XXXX XXXX when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can half payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving they also also inform the Equifax experian about my late statement anyhow I call XXXX  and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb too bad they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am not getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report experian is not willing to resolve my case because they always listen what XXXX is saying and even though i provided the documentary proof for extension still they are believing what XXXX is saying when I call them back and ask them like why you are not resolving and they said like XXXX are more trust worthy company than me they keep playing with my life still

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Last year in XX/XX/XXXX I moved from XXXX XXXX to XXXX  I registered my car motor vehicle department ask me the title for the car ask my Nissan motor company to send a title to the XXXX   Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of XXXX my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask Nissan to send them one year before in XX/XX/XXXX I called Nissan in  XX/XX/XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending title and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV New York when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can have payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving extension they also inform the XXXX   XXXX about my late statement anyhow I call XXXX  and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report i am living with my XXXX kids and wife and got to situation of eviction when we were not having any place to live i am in worst condition of my life because of only nissan playing with my life you guys are only the hope for me i am looking forward for help from you to settle all this addition to that i am also filling a suit against Nissan in district court which brought me to worst financial crises of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Sent notice to stop communication regarding multiple debts to cease and desist. Company failed to respond. Portfolio is reporting multiple accounts on my credit report for over four years that I do not owe. I have never had an account them or the alleged original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chaos Home Loans LLC
State: FL

Complaint narrative:
I closed on a VA loan and on the very day of XX/XX/2019, while I was signing the closing documents, Chaos called XXXX XXXX XXXX, XXXX, FL, asking that the the closing check not be cashed because there was a problem. XXXX told Chaos it was too late because the funds had been distributed already. 
The closing was completed, after which Chaos was to be paid {$2200.00}. as the first payment on XX/XX/2019, and after which I was informed that my mortgage was to go to XXXX XXXX at Chaos address in XXXX XXXX, effective XX/XX/2019. My first payment was sent toXXXX XXXX /Chaos Home Loans on XX/XX/2019, at Chaos XXXX XXXX Address but was lost or never cashed. It was never found. 
The XX/XX/XXXX and XX/XX/XXXX payments to XXXX XXXX were processed without any problems. 
.The XX/XX/XXXX payment, XXXX XXXX XXXX XXXX Check XXXX XXXX, was dated XX/XX/2019, was cashed and deposited into a personal account at XXXX XXXX XXXX by someone named " XXXX XXXX '' or XXXX   XXXX '', but has never been credited to my mortgage. As such, my credit rating has plummeted to the XXXX, and I can not refinance my VA loan. 
My XX/XX/XXXX payment was returned by XXXX XXXX due to non-sufficient funds. Had it been presented the next day a second time, it would have been paid, but XXXX chose not to present it a second time, and that check also was given to " XXXX XXXX  '' and has been lost to this current day. 
I am asking that since I talked to a Manager, named XXXX, at XXXX XXXX in XXXX, a call that I'm sure was recorded, and she said during the call that she located the XXXX check. I asked that it be posted to the account. She agreed to do so, but it was not done. Since XXXX received my payment of {$2200.00} from my bank account on XX/XX/XXXX, and failed to post it to my mortgage, I seek a refund of that amount so that I can make my XXXX payment and bring my account up to date and that all late fees be cancelled. 
How Chaos called me on a day that my wife and I had decided to move to this home, I will never know, unless my wife and I targeted because of our age of middle XXXX 's. 
Further, I plan to file a complaint with the VA Inspector General to investigate the practices of Chaos Home Loans and XXXX XXXX so that checks from Veterans should be accounted for, i.e., the lost XX/XX/XXXX payment from our XXXX Account and the lost XXXX payment from our XXXX XXXX XXXX XXXX, Organizations such as these should not have VA loan rights to service Veterans loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
The original bill came from XXXX. I canceled my service. But they did not close my account. I continue to receive bills after I cancelled my service. After four different phone calls averaging about an hour each I finally reach someone that said that they would cancel the bill for the unused services and the issue would be taken care of. Instead they turned it over to Southwest Credit Systems. Southwest Credit Systems was adamant that we owed the money and it was not their problem that XXXX did not shut off the service in a timely manner. We finally paid the money on the bogus account because we were trying to refinance our house. Not only does the money still show to be owed on our credit report more than six months later. But we never received a receipt for the money that was paid to show the issue with taking care of. We were told if we pay the money it would drop off of our credit report. After calling back 7 months later because it still showed on our credit report we were informed that they were a no delete collections agency and could not delete it from our credit report. So not only am I stuck with the only bad mark against my credit for 7 years, it is for a bogus bill that I never owed to start with! Totally unprofessional!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I file a dispute with XXXX regarding the account I have with FMS Financial Solutions. That account was paid in full as of XX/XX/2019. XXXX sent me a letter stating that FMS Financial Solution verified that I still have a remaining balance. Which is incorrect because I paid that account in full. Please see the below attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I disputed a vendor charge with my credit card company First National Bank of Omaha ( FNOB ) in XX/XX/XXXX. The issue was resolved quickly before the next billing cycle, however FNOB erroneously posted a comment on my credit report, I contacted them they said they would remove the comment. They then claimed they did, I ordered my credit report from XXXX via the annual credit report process. The remark is still on my credit report, I called FNOB they said it shouldn't be and suggest I file a compliant with XXXX to get it investigated. XXXX  did not make the changes, because they did not receive documentation from FNOB regarding this issue. I'm done messing around with this, I'm filing CFPB complaints against both companies and on Monday, XX/XX/XXXX I'm going to start looking for leaders of both XXXX and FNOB on XXXX over this issue. I also obtained the email address of FNOB 's CEO who I'm going to reach out too about how this was handled. I want this inaccuracy corrected on my credit report from all 3 bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
In XX/XX/2013 we purchased a XXXX XXXX XXXX XXXX, financing through Ally Financial. We signed a contract for 72 months. Little did we know, the vehicle had major manufacture defects. At approximatly 120,000 miles we started to notice excessive oil consumption. We began monitoring our oil level daily and took it to a mechanic who then advised us that XXXX had used cheap piston rings in the 2.4L engines and that our piston rings had gone bad and that the oil consumption would get worse. As the oil consumption got worse we took it to yet another mechanic who said the same thing and advised us the only option was to replace the engine because of major scarring and damage inside the engine. We are a family with one income and a XXXX  who is XXXX and has XXXX twice a week, we did not have the money to replace the engine. After speaking to several XXXX dealerships we found that there was a memo from XXXX about the problems but it was not a recall and only covered up to a certain amount of miles, at this point our only option would be to continue to monitor the oil level as XXXX was not offering a solution. By 150,000 the oil consumption had gotten worse, consuming about 2 quarts of oil a week. The vehicle became less reliable, started to loss engine compression, and became harder and harder to start. We contacted Ally to find out why they had changed the terms of our loan, only for them to claim finance charges. We asked if they could rewrite our loan and explained to them the problems we where having with the vehicle and asked to maybe lower our payments so that we could save some money and have the vehicle fixed. They where not willing to help. At this point we had no choice but to find a more reliable vehicle so that our XXXX did not have to miss XXXX or XXXX visits. At this point we have been left with no other options and no where to turn. Ally repossessed the vehicle after 61 days of non payment and will not give us any information as to their intensions, they are going to end up forcing us into bankruptcy because of the changes in the terms of our loan and their unwillingness to rewrite our loan. With the fact that Ally is unwilling to help us and XXXX will not take responsibility for their defect, we feel that we have been wronged by both and have been left with having to make a decision that will affect our family badly, but at this point we have no choice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc
State: FL

Complaint narrative:
This is a response per my last complaint filed via CFPB. When I was disputing this charge, all of my information provided was not sent to you to update your records. Second, this account seems to be involved in some type of " court '' appearance via XXXX County Clerk of Courts and it is being handled by " XXXX XXXX XXXX XXXX XXXX '' doing business as XXXX XXXX and retained by XXXX, XXXX. 

I am disputing this account through XXXX because the last payment on this account was given on XX/XX/XXXX in the amount of {$500.00}. Therefore, on XX/XX/XXXX, it will reach the 5 years per statute of limitations. I never came into agreement of validating this debt nor of any agreement on a payment arrangement. If this account is being handled directly via XXXX XXXX XXXX XXXX, then why are you reporting it on my report under XXXX? That is considered DUPLICATE debt. Hunter Warfield is NOT listed on the statement of claim which was filed. On XX/XX/XXXX, I never entered into any agreement and I am requesting proof of this allegation ( signature ). 

I suggest you contact whoever you are partnered with and find the means to get this resolved because I find it unprofessional that this account is being duplicated and being attempted to being served in addresses that I do not live in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
In early XX/XX/2019 my daughter visited The XXXX XXXX in XXXX, VA ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ) for an appointment. 

The XXXX XXXX had recently changed head providers and therefore, tax ID numbers, and so my insurance ( XXXX XXXX XXXX ) did not cover the appointment. 

Several months later I began receiving bills from Transworld Systems , Inc. Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) for the amount of {$270.00} for the appointment. 

After conferring with my insurance and verifying that they would not cover the cost, I sent the XXXX XXXX a check for {$270.00} through my bank, XXXX XXXX, which was cashed on XX/XX/2019 ( see attached .pdf titled " XXXX XXXX '' for proof showing the image of the cashed check ). 

I continued to receive notices for debt collection for the {$270.00} from Transworld Systems despite paying the amount. 

In early XXXX I went to The XXXX XXXX and spoke to the billing department, informing them of the issue and providing a printout of the proof that the check had been cashed ( same as the attached .pdf, " XXXX XXXX '' ) along with communications from Transworld and from their billing department to copy and inform the involved parties. 

I continue to receive debt collection notices from Transworld despite paying the amount, with the most recent, printed XX/XX/2019, arriving today ( XX/XX/2019 - see attached document " Transworld Letter '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Hello and thank you again for having a look into this matter for me. Since XXXX I have done everything within reason and legally to the best of my ability to get this company to do the right thing. I have mailed off letters asking them to prove the debt and help me understand how it is mine as they claim. 

They have failed to do this within 4 months and I am now seeking help from CFPB. 

CONTRACT CALLERS INC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Claiming I owe them {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have sent letters and call the all ( 3 ) credit bureaus who handle credit files. Still the information I tried getting remove, remains on my 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