vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, the lease was ending on my XXXX XXXX XXXX XXXX After looking at the options with XXXX XXXX in XXXX XXXX, CA, I decided to purchase a XXXX XXXX XXXX. 

XXXX XXXX purchased my lease ( i.e. bought the car ) and sold me a new car. There was no mention of any other fees and I believe I was clear when I agreed to buy the car that this was the price and there were no other fees. 

About a month later in XX/XX/XXXX I got a bill in the mail for {$190.00} from XXXX. The bill did no indicate what the amount was for. Upon investigation, there was a scrape on the car that XXXX decided was a {$190.00} cost to myself. There was no math given and I only found out the details of the bill upon calling to investigate. More importantly, I closed the deal on the lot and then get this bill a month later saying that the deal on the lot was not the deal, there's actually this other bill that was never discussed. 

Getting a bill after turning over my lease and purchasing a new car is shady and unethical. Yes there is a contract that says I am responsible for excessive wear and tear, but the point is that XXXX XXXX purchased my car on the lot that day and then slipped this bill to me in retrospect and it was never discussed. I was never told there would be additional costs to turning over this lease on the lot. 

Additonally - this XXXX XXXX has a key, not a fob, that has to physically be put into the car and can be locked in the car, which I did not know until I got the car home. I didn't even think that this was an option on a XXXX vehicle that I had to ask about. I certainly was not made aware of it by the salesman who gets paid per deal that he closes and is only concerned with closing the deal, no matter what. 

I have paid this {$190.00} so that my credit will not be destroyed, but it is a shady, unethical poor business practice and I will never buy another XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX stated they would not release the lien on my title, they. were paid off by a trading dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, Mr. Cooper called my partner and I about us qualifying for a lower mortgage payment and asked if he had our consent to run our credit for it. My partner told him that he did not and we would discuss it first. I noticed later that day that he did in fact pull our credit and it was a hard inquiry. We called him back and he stated he mistakenly pulled it. The hard inquiry was done without our consent and would like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX XXXX  partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: IN

Complaint narrative:
I have tried several times to get a collection account off of my credit report with the 3 CRA 's. The account is XXXX XXXX XXXX. I have sent a letter from the original creditor which was XXXX XXXX showing a XXXX  balance. This account was paid in 2017! The letter states I own nothing but yet XXXX XXXX XXXX reports it as a collection account. I have filed a complaint against them also. I was told by Transunion rep. that even though they have documentation showing I own nothing they can not remove it unless XXXX XXXX XXXX says I own nothing. SO my letter states it's paid I do not own it! but yet it keeps showing up on my reports!!! How can that be legal? If you have written proof that the original creditor was paid in full how can a collection agency state you still owe it. He said if credit protection asso. comes back and says I still owe it then it stays on my file!!! Even though its paid and they have proof!

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 2019-04-30 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am asking you for your assistance with my mortgage loan that is being serviced by Wells Fargo. Since I became delinquent on my payments, they have not once allowed me to apply for mortgage assistance. I find it unfair that we bailed them out when they were in trouble last decade, but they have turned their backs on me and I see on line at ton of other homeowners. I believe that we should have allowed them to fail, as it is clear that they did not learn their lessons in how to service loans and treat homeowners. I went through some rough times financially a few years ago, but I am now in a very secure situation financially and want to start making my mortgage payment. However, Wells Fargo has not lifted a finger to assist me, nor have they assigned someone to help me through the process. Instead, they are marching forward with the foreclosure. They did give me a modification many years ago and that went very smoothly. This time is a completely different story and the end result of their lack of action will be a foreclosure sale of my home. I suffered through a year of unemployment starting in early 2018. I did my best to make whatever money I could while I was seeking permanent employment, but was forced to miss my mortgage payments. When I spoke with their representatives to advise that I had lost my job, they were ambivalent and did not allow me to apply for mortgage assistance. I believe they should have worked with me and offered me an unemployment modification, forbearance or other workout option to help me work through my delinquency. However, Wells Fargo never allowed me to attempt any sort of review for retention options and I can not get a review for assistance initiated. This is unfair and I believe that their only intention is to capture the significant equity I have in my home and kick my family into the streets. I find it unfair that my loan is being kept from assistance review that could help my situation ; while I have sleepless nights wondering what is going to happen to my loan.

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 2019-04-30 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: VA

Complaint narrative:
AFTER REVIEWING A COPY OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY REPORT. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARK AND HAVE THEM REMOVE OFF MY CREDIT.

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 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been trying to work with Capital One/XXXX now for a long time. They are pulling every devious, hopefully criminal act they can. CFPB wonderfully got them to return {$8000.00}. However, what they did was apply it to a escrow account. There should not be an escrow account!! The attached paper show they finally closed the escrow account after me asking them to for years. So what do they do, they add this money to it, then close it. What incredible sneaks and names I will not print,. I pay my taxes every year. These XXXX think I have to pay by XXXX, but I am allowed to pay later. I just have to pay a little more money, which I do. To add to my troubles, they have subpoenaed by tenants for a hearing they scheduled in XXXX. This is after they broke into my house, claiming they thought it was vacant. They damaged the house, and now they are demanding my tenants appear in court! Outrageous. My tenants know nothing of this XXXX these XXXX are putting me through. Capital One and XXXX just want to embarrass me and most likely cost me the sale of my house. They continue to refuse my payments, and skyrocketing my debt, ruining my credit. CAN'T THEY BE STOPPED!!!!!! Please at least get them to apply the {$8000.00} to my payments and get them to let my tenants stay out of this mess, and lower my debt to where it should with them. THANK YOU!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On Saturday, XX/XX/2019 I had noticed an unauthorized charge in my checking account for {$900.00}. I immediately froze my debit card and went to the credit union to dispute it as fraud and be issued a new debit card. I was told I had to wait to file a " Fraud Claim '' til the amount posts to my account, " not pending ''. It cleared this morning XX/XX/2019, so I called and filed the claim. About 4 hours later I get an email saying " No error had occur ''. So now I'm going to have the funds they just placed back, taken out again for something I did not authorize to begin with. My debit card was not in my possession at the time this fraud occurred, so why am I being told otherwise? 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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 — Investigation took more than 30 days
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute for two accounts in collection on my XXXX credit report through the company XXXX partner 's with Credit Karma. 

According to Credit Karma 's website and XXXX, they are in partnership with each other. The dispute function is trademarked as Direct Dispute by Credit Karma in partnership with XXXX, this verbiage is clearly indicated on the Customer dashboard page. After submitting my dispute, Credit Karma indicated that the dispute was being transmitted to XXXX. I heard nothing more and continued to check my dispute status for many months via the provided Customer Dashboard as Credit Karma has no direct number to dial for assistance. My dispute status never updated. So, ultimately I contacted XXXX  on XX/XX/XXXX and they stated they never received the dispute via the Credit Karma conduit and that I would need to resubmit a dispute. I also contacted Credit Karma and they stated that they were " experiencing a communications error that prevented them from processing XXXX disputes. '' and that their team is working on fixing the issue. Mind you, in the over a year and a half, Credit Karma never once notified me of this matter or that they were working on the problem until after I bought it to their attention on XX/XX/XXXX, XXXX Credit Karma also offered the same resolution that XXXX advised, and that was for me to resubmit the disputes. 

In either case, I lost my documentation in support of my dispute and I am unable to obtain additional records due to the fact that the company that maintained the records has since gone bankrupt and been liquidated over two years ago. I am stuck and neither Credit Karma or XXXX is taking any type of responsibility on this matter. They are pressing resolution on to me. 

I am certain I am not the only one affected by this. Please investigate both of these company 's resolution and communication processes as they are not providing the service they are touting and, they are not taking responsibility for their erroneous and untimely processes and response times. My credit has been adversely affected during this duration and I am attempting to get the matter resolved. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I found out that I have a negative report on my credit history from a collection agency called XXXX XXXX for unpaid bill from XXXX XXXX XXXX. I contacted debt collector service, and told that I am still waiting to receive the final bill from XXXX. The representative told me that she is not with XXXX, she is a debt collector and the call is recorded for the purpose of collecting a debt on behalf of XXXX. I asked for the amount, she told me XXXX $ and I responded with : I dont know anything about the this bill, and why they reported that to my credit history without sending me any debt collection letters. I did not even had the chance to verify the debt. I was told that I can call XXXX and find out about the bill but right now, if I want my credit history cleared I should pay the balance in full. I asked if they will remove their negative report of my credit history. She replied Yes and promised '' We will update your credit history within 10 business days '' I paid off the balance immediately and now the debt collector refuses to remove their negative report. My complain is based on the fact that the debt collector used false and deceptive language which made me to falsely accept the debt in exchange for repairing my credit history. I called them several times, I spoke with their manager and still no resolution was achieved. I am asking for your assistance with this case, especially when we are ready to finally purchased our first house. This has a destructive effect on my credit history. Thank You. XXXX XXXX XXXX. P.O. Box XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
There was a dispute that was made to LVNV FUNDING LLC in the bringing of XX/XX/2019. The dispute came back as verified, however, I never received any documentation ( the original application with my signature and the date open ), proving that it is my debt. Since the dispute, the collection has gone from derogatory to being charged off on XX/XX/19, in the amount of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed bankruptcy XX/XX/2012. The bankruptcy is still showing up on my TransUnion credit file past the 7-year deadline. I have on numerous occasions and most recently in XXXX disputed this error and informed TransUnion. They are reporting passed the Federal Credit Reporting deadline. Since this is affecting my ability to purchase a house I would like to take every legal action available against TransUnion. 
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 2019-04-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made many attempts to dispute the incorrect late status in XXXX and XXXX of the Department of Education accounts. My accounts has never been late. They have always been in deferment or 0 payment on the IDR. Please assist me in getting these derogatory reporting from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

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 2019-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I was called on my wireless phone by texas power finance and they asked me if I needed an installment on-line loan.I said, ok, sure.The loan principal is XXXX with 6 monthly installment payments deducted from my checking account at XXXX XXXX.I have made 3 payments.The 1st payment was XXXX.The 2nd payment was XXXX.The 3rd was XXXX.Now my next payment is XXXX.The problem is that the payoff amount for the 4th payment cycel is XXXX which is greater than the principal loan amount.Texas state laws apply here, despite any contractual agreement.I did not agree to my pay-off being XXXX   after 3 payments.I do not think Texas Interest laws should allow this type of interest hacking-gouging to prevaile.My payoff amount after 3 payments should be below the XXXX principal amount.I hate interest gouging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

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 2019-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: TN

Complaint narrative:
I applied for a loan of XXXX. I got the loan, but the email they sent me shows they want me to pay twice a month, {$400.00} a month instead of paying once a month and the interest is through the roof. I told them I was scammed. I want to pay them off, but for what I owe them not all of that interest which will total several times more than what I borrowed. I am sick and have been off work. I can not afford interest fees in that amount. Please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Terrill Outsourcing Group
State: VA

Complaint narrative:
Debt collector, XXXX XXXX, contacted a phone number where I have not lived for 10 years and left a detailed message regarding debt owed on parent 's number. Against FDCPA regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has taken 8 payments from me this year which is 2 per month and they are only supposed to debit one from my account automatically each month. They gave me back the 2 extra payments two weeks ago and then a few days later charged me a second payment for the month of XX/XX/XXXX. When I called and complained they acted confused like they dont understand this issue with debiting my account 7 times this year and its just now the month of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief