vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-03 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I obtained a loan from Navy Federal Credit Union in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by Navy Federal after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from Navy Federal both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting Navy Federal by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on Navy Federal the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like Navy Federal Credit Union to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My wife bought a new XXXX XXXX in XX/XX/XXXX, she does n't work so they needed to run my credit, I was very adamant about only running it 1 time, VERY ADAMANT! Because I own several businesses and need excellent credit for growing them. After not receiving any registration or payment information on the vehicle we started calling XXXX  XXXX in XXXX XXXX NC, and Capital One Auto to find out where our info was so we can make our payments, Capital One said that XXXX XXXX messed up the paperwork and needs to resubmit it, by that time it had been more than a month and Capital One pulls my credit once again without my permission, I have contacted both XXXX XXXX and Capital One numerous times and no one seems to want to do anything, all said and done my credit was pulled 3 times for 1 loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: North American Asset Services, LLC
State: FL

Complaint narrative:
In the month of XXXX 2017, I called XXXX XXXX to inquire about services, products and prices. I immediately and specifically told the representative that I DO NOT give authorization for them to check my credit report because I was n't sure if I wanted the service at that time. I was simply conducting a comparison with other providers in my area. The representative assured me that he would not check my credit. I was given some information and told him if we decided we wanted service with XXXX XXXX, I would call back. I now have an unauthorized hard inquiry on my credit report from XXXX XXXX dated X/XX/17. I am not happy and totally disturbed that I would be taken advantage of so quickly and easily simply because I wanted to know about the company 's services and products. I was a former XXXX customer so once I gave the representative my name and address I 'm sure that 's how he obtained my social security number. This is fraud and I want it removed! 
Thank you for your services.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I obtained a loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by XXXX XXXX after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from XXXX XXXX both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting XXXX XXXX by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on XXXX XXXX the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was XXXX may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like XXXX XXXX XXXX XXXX to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.

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 2017-12-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I obtained a loan from XXXX XXXX XXXX XXXX in XXXX XXXX for the amount of {$14000.00}. I paid on the car up until XXXX XXXX, 9 months before my loan should have been up but it was repossessed by XXXX XXXX after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from XXXX XXXX both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting XXXX XXXX by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on XXXX XXXX the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like XXXX XXXX XXXX XXXX to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.

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 2017-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
attached is proof of this account being delete please follow suit and delete this account as well i formally request that the following inaccurate item be immediately remove from my credit report they must be removed in order to show my true credit history as this item should not be on my credit report. HERE IS A COPY OF XXXX UPDATED CREDIT REPORT DATED XXXX XXXX 2017 THEIR FINDINGS AND PROOF OF THEIR REMOVAL OF THIS ITEM PURSUANT TO THE FAIR CREDIT REPORTING ACT I EXPECT YOU TO COMPLETE THE REMOVAL WITH 30 DAYS please send me my updated report as soon as your investigation is complete thanks in advance 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 2017-12-03 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
ONCE AGAIN NATIONSTAR FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO NATIONSTAR TO MR. COOPER. AS WE SPEAK NATIONSTAR REPORTING ON XXXX AND XXXX AS NATIONSTAR AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
On XX/XX/XXXX I called Western Union for the first time about this issue. They told me they will conduct an investigation and would let me know within 14 days.

I called back on XX/XX/XXXX I was giving a case number : XXXX and told me that someone was going to call me. When they called they said that I was going to receive and email giving me a new track number and also I was asked if I want the money in the mail or to pick it up from the office, at that time I said in the mail, again I have to wait about 14 days. I did not heard from them. When I called back XX/XX/XXXX I was giving a new case number:XXXX and they say that someone was going to call me within 48 hours to give a new track number to pick up the money. I went to the office but the clerk called Western Union to get the new track number and they never picked up. I called again on XX/XX/XXXX spoke to XXXX and told him that if I did not get an straight answer I was going to file a complain, he promise that my check was going to be in the mail within the next 24 hours. Until today no word from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
Theres a collection on my credit report from the collection agency named Calvary Portfolio Services opened on XX/XX/2014. They are attempting to collect a debt in the amount of {$420.00}. I do not have any type of contract nor agreement with them, therefore they are not allowed to attempt to collect a debt that is not owed. Ive tried resolving this problem before, but a resolution was not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I signed up with Barclay Mastercard with paper statements however somehow I was turned over into paperless statements and never received them thus making me late on payments. I called to resolved it takes them 2 monthly cylces to get caught up making them paperless. I would never intentionally sign up for the paperless statements. These statements went into my spam box.

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 2017-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Vitek Real Estate Industries Group, Inc.
State: CA

Complaint narrative:
I have been trying to pay my mortgage to Vitek since mid-XXXX. Because I was over 30 days late, my mortgage company 's automated telephone system would n't allow my to make a payment by phone. I 've tried to pay online, but I 'm not allowed to do that either. Apparently I must speak with a live person to pay my mortgage. However, I have called their customer service number dozens of times and spent anywhere from 5 minutes to 38 minutes on hold each time, and a live person has never come on the line. I have sent three emails asking for assistance and have not received a telephone call back. They have told me via email that someone will call me, but nobody has called me. I have not mailed a check to them because I am attempting to call daily and I do n't wish to accidentally double pay, and I also do not trust this company to apply the payment correctly. They advertise that you may pay your mortgage online or by telephone, but I 've been trying for months and have n't been able to do so. I now owe them four monthly mortgage payments, my credit rating is no doubt destroyed, and I am very concerned they will or have begun foreclosure proceedings, all because their automated online and telephone systems will not accept my payment. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I 've sent XXXX XXXX an update address letter on XX/XX/XXXX certified mail and signed on XX/XX/XXXX with proof attached. Experian refuses to update my address and the information on file to the new address listed. It 's been well pass the 30 days on XX/XX/XXXX and still no response or dispute information. I request Experian to update my personal information on file such as Date of Birth, Current Address and Employment History immediately under my Social Security number or I will take another legal action with BBB, Attorney General, etc.

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 2017-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX has insisted on calling my elderly parents, my boyfriend, my sister and my work number to harass me and anyone who answers. They refuse to make contact by my home phone ( which is the ONLY number I have ever provided to them in regards to my accounts. ) I have notified them in writing and via telephone to refrain from calling my friends and relatives and work number yet they persist at all hours of the day and night. Please make these people stop searching for my family and friends. Please make these people stop harassing everyone I love or even know. Please make them refrain from revealing my personal information. There has got to be a way to end this persistent and ongoing pattern of humiliation and harassment. It must be illegal to refuse to call my phone and instead seek to get me fired, upset my parents, annoy my sister and boyfriend. Do I need to file a lawsuit? Can you fine them for this pervasive and ongoing systematic harassment? Please help! Should they deny that I have contacted them, I do have documentation of emails and proof of receipt of messages to XXXX via XXXX XXXX XXXX and XXXX XXXX. I also have a telephone log of proven harassment of my parents, sister, boyfriend and business number. They just wo n't stop ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: UT

Complaint narrative:
I applied for an apartment and was told I will be approved based on my credit criteria but the services were not provided as promised. The transaction posted to my account on XXXX/XXXX/2017 for {$33.00} by XXXX XXXX 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 2017-12-03 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: EQUIFAX, INC.
State: IN

Complaint narrative:
ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON XXXX AND EQUIFAX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON EXPERIAN AND XXXX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE 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 non-monetary relief
Consumer complaint received 2017-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Coinbase.com n local XXXX trying to buy bitcoin to invest n the scamed me for aXXXX on coinbase XXXX  on local bitcoin

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts. Received a letter from XXXX indicating that Wells Fargo is responsible.

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 2017-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
XXXX has switched loan service providers from XXXX to XXXX XXXX. I am being charged NSF fees for no reason. My bank account has been the same since the transition. XXXX XXXX customer service has told me they can not do anything about it ; XXXX must resolve this situation. Their customer service is mediocre at best. They are difficult to reach and very dismissive. I would like the fees to be waived.

Company response to consumer: Closed with explanation