vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 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: VA

Complaint narrative:
I recently checked my credit from TransUnion. I have applied for credit in over 3 years, yet I have 18 inquires on my credit file. I called TransUnion and explained that I should not have any inquires on my credit report. I told them that my report is showing inquires that I made back in 2015 but now these inquires are showing up as recent inquires as if I applied for credit within the last 2 years which I have not. Also some of the inquires are duplicates from the same company 2-5 times in a row.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am trying to get this account correct, they put late payments on my credit report and when I submitted a dispute they have every payment for the life of my loan as a 30 late. They submitted a 30 days late for XXXX and the paper says paid as agreed XX/XX/2018 2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and GM FINANCIAL with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We applied for loan modification numerous times and continually were rejected for different reasons each time, sometimes the reasons contradicted the previous denial. Finally after 5 years of trying to save our home we lost the battle because Wells Fargo refused to work with us. We had pointed out several inconsistencies in their financials of denying our request, and Wells Fargo ended up foreclosing. We tried to short sale our home, we had an offer for $ XXXX, Wells Fargo rejected the offer and later that month sold our home at auction for $ XXXX less than the short sale offer. 

We are notifying CFPB because we want record of the fraudulent behavior that continues with Wells Fargo. I have kept every document from Wells Fargo along with emails. 

We had submitted several CFPB complaints over the years regarding this issue with Wells Fargo : 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 2018-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DARCARS AUTOMOTIVE  (Mariam Inc.)
State: NJ

Complaint narrative:
The car was purchased XX/XX/XXXX from Darcar in Maryland. The car was XXXX, I gave them XXXX cash as a dowm payment, leaving me with XXXX to finance. Somehow I have had to pay off the XXXX over three years at XXXX. That totals XXXX. In XXXX, they repoed the car because I moved to New Jersey. I paid XXXX to get the car back. The car came back so damaged. I filed a complaint to fix the car, never resolved. 

According to XXXX XXXX, the car will not be paid for until XX/XX/XXXX, five months after what the Contract states. An additional XXXX. The last payment should have been XX/XX/XXXX, money she is claiming not to have received. 

On XX/XX/XXXX like each month, I allow XXXX to take the payment directly from my checking account. The company never informed me that there was a payment portal online, instead I gave all my banking info to an account manager who has full access to my checking account. I received an email on the XXXX of XXXX informing me that XXXX 's payment was not received. There is no problem with the account, the money is there. I have an email from XXXX confirming that she will take the money on XX/XX/XXXX .... This is her way of charging me late fees which has been a practice of the company. 

I would have paid XXXX for a XXXX car - XXXX for borrowing XXXX. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: NM

Complaint narrative:
Trans Union is not responding to my requests to investigate and remove one account that does not belong to me from my credit report and three accounts that are reporting incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Saturday XX/XX/XXXX, I was exchanging funds via Paypal for concert tickets. The tickets were supposed to be transferred to me via XXXX XXXX, and the user on XXXX had me send them money via paypal. I wasn't sure if I trusted them, so finally agreed to send half of the money ( {$100.00} ), then they were going to transfer the tickets, and then I would send the rest. They told me to transfer the funds via fnf " friends and family '' and I didn't realize why. I transferred the money, and the user immediately disabled XXXX XXXX, which is how we had been communicating, and removed their post from the XXXX group so that I couldn't contact them or have a record of their soliciting business. I've filed a complaint with XXXX, and am looking to try to have the funds transferred back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint narrative:
Despite many request, even though I paid the {$50.00} fee for forbearance, your servicer Navient still did not put this loan in forbearance. 

As explained before, I need more time and making progress to solve the case in XXXX. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: NM

Complaint narrative:
Equifax is not responding to any of my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave Capital one auto customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were  processed and were official, I called capital one auto once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to Capital one auto finance department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed capital one about the matter. I received a call from capital one auto on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: LA

Complaint narrative:
In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave XXXX XXXX XXXX customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/XXXX, XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were processed and were official, I called XXXX XXXX XXXX once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to XXXX XXXX XXXX XXXX department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed XXXX  XXXX about the matter. I received a call from XXXX XXXX XXXX on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: LA

Complaint narrative:
In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave XXXX XXXX XXXX customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were processed and were official, I called XXXX XXXX XXXX  once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to XXXX XXXX XXXX XXXX department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed XXXX XXXX about the matter. I received a call from XXXX XXXX XXXX on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retail Merchants Associates
State: LA

Complaint narrative:
Upon checking my credit report on XX/XX/2018, I found that I have an open collections account for an unpaid debt with an apartment complex. I am under the impression that this is a result of identity theft or a mistaken identity. Despite my calls to retail merchant association and letters sent out to the company, I have not received a proper response as to how or why did this collection show up on my report. I have not been provided proof that this debt is indeed mine, only a statement saying that its mine. no evidence whatsoever. I also sent a letter via USPS to all reporting credit bureaus regarding this matter. I have yet to receive documentation proving that this debt is indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave Portfolio recovery a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also Portfolio recovery. Portfolio recovery replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Since the breach my credit score is horrible like 500.ny mortgage and other good accounts are gone my fico now XXXX.ive written called and no help. I could not get a XXXX loan. I need this fixed. Help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found collection account on my credit report. I am not sure how this happened, but this is a total violations of FCRA and FDCPA, and under these provisions I demand that this account be removed from my credit file as I never had any type of relationship with this company or any company associated with you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: LA

Complaint narrative:
upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave XXXX XXXX a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also XXXX XXXX. XXXX XXXX replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three 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 2018-08-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave XXXX XXXX  a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also XXXX XXXX. XXXX XXXX replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave XXXX XXXX  a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also XXXX XXXX. XXXX XXXX replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three 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 2018-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment and derogatory marks on my credit which is negatively affecting my ability to help my that's going to hard time financially and medical reasons. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation