vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The below problem disappeared from my credit after I filed my complaint in XXXX and now it's reappeared on my credit report. My initial report : I have contacted Chrysler Capital more than 10 times reference the current payments of {$490.00} on a {$6300.00} balance with a maturity date of XX/XX/XXXX. My car was a total loss on XX/XX/XXXX, my insurance company XXXX issued a check in the amount of {$14000.00} dated XX/XX/XXXX to Chrysler Capital and the automobile GAP coverage issued a payment of {$7700.00} on XX/XX/XXXX to Chrysler Capital. My request to Chrysler Capital is to adjust the payment amount to the maturity date XX/XX/XXXX which did not change from the original amount of months to pay. I have paid on the account but they determined that the payments was only applied to interest which shows that the company is doing whatever they want to the customers. If calculated the payment should be around {$210.00} per months. The current payment of {$490.00} XXXX 34 months remaining on loan, would add up to payments of {$16000.00} based on the maturity date. I need help I want to pay the amount i owe but based on my contract maturity date. I am only asking them to adjust the payment to the maturity date simple math. I called them several times the customer service representatives were rude, forward calls then ended the call before connecting to the supervisors, request for supervisors call back never materialize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Have tried multiple days in a row to remove credit freeze from equifax to apply for credit. Message from phone agent is call back in 30-60 min as system is updating. Have also tried online but it directs me to the phone. Engaged with equifax via XXXX, was give a different phone number and called and received the same message after calling multiple times over a number of hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas & Thomas Attorneys and Counselors at Law, LLC
State: OH

Complaint narrative:
This is a notice of dispute pursuant to the FDCPA, section 807 FALSE OR MISLEADING REPRESENTATION ( 15USC 1962e ). I would like to request full validation of this unknown account MT. XXXX XXXX XXXX 'S FILE NO. XXXX $ XXXX specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information. I HAVE NEVER DONE ANY BUSINESS WITH THOMAS & THOMAS NOR HAVE THEY PROVIDED ANY SERVICES FOR MY MEDICAL CONDITION LISTED IN THEIR BILL SENT TO MY JOB. I BELIEVE THIS IS DEFINITELY IS A VIOLATION OF FEDERAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: NV

Complaint narrative:
I am not quite sure if I chose the best option but I believe this is what best fits my inquiry. I am working with a debt settlement company called Freedom Debt Relief and I am really questioning their practices. From my experience thus far, they seem to not attempt to negotiate any settlements once a Debt gets transferred to a Creditor 's Attorney. They just let those accounts sit there until I get sued and the buck gets passed on to a Litigation service that Freedom Debt Relief provides called XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I pay for separately. My problem is not the fact that FDR does not lift a finger to try and Negotiate a Settlement before the Creditors Attorney sues me, but, the fact that FDR still collects a settlement fee ( which is obviously high ) for doing absolutely nothing with that account. I am investing over {$1200.00} a month into this program and that is too much for accounts to just sit there until they ALL sue me and FDR will collect settlement fees for doing nothing. They claim that once accounts go to a Creditor 's Attorney that they make those accounts their top priority but I really do not see that as I already have been sued and XXXX to care of the settlement. And, now there was another account XXXX XXXX XXXX that has been with their Attorney for about 6 months and now they have sued me as well and it has been passed on to XXXX. Some of the email 's that FDR send to me state that they " Are not Attorney 's and Therefore Can not Offer Advice '' so that tells me that they DO NOT try and do anything with those accounts fallen to a third party. I do not remember this being explained to me when I first enrolled with FDR that they still collect settlement fees when they are not even touching those accounts. I also believe that there are certain creditors that do not negotiate with FDR even though FDR claims that they have worked with these creditors. I will be looking into other options when I speak to an Attorney as this is becoming a waste of time and especially money. I work too hard to pay companies to just sit back and collect fees for doing nothing. They have settled a couple of accounts.. one was a Lawsuit that NLLG handled ( FDR collected XXXX settlement fee for doing nothing ) and one small debt, but, this is irrelevant to all of the money I am investing into this program which is over {$11000.00} thus far. I believe this company is deceitful and is not completely honest about what they can do. And, I know that FDR has had problems in the past with consumer complaints that are very similar to mine. 

As far as dates, I started with FDR on or around XXXX of 2018 I believe and as far as other dates, I do know when certain payments were collected but I am filing a complaint because I really believe, like I said, that this company is in a certain very deceptive and/or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: URS Holding, LLC
State: TN

Complaint narrative:
i was attending XXXX university when I took a loan out for school. when I started the XXXX XXXX   and XXXX XXXX degree I was as least two years in when I tried to do an intern program with a XXXX XXXX office. I was told that I will not be able to do so because I was a XXXX. I called the school and asked why I was told I can take this type of course with a record. I Did you inform the school of this status before the loan was certified or originated they said I should be fine. well it turns out I wasn't fine,. I called the department of education and was told to submit the loan discharge form and on it it asked the reason. I wrote on there because I was a XXXX  and showed them the proof of this. I shouldn't have to pay it back for them telling me I was good when I really wasn't. not for that degree or field. the department of education said it the proof wasn't good enough. then what is?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: MS

Complaint narrative:
Filed a dispute with Equifax XX/XX/XXXX regarding creditor XXXX XXXX XXXX XXXX falsely, fraudulently, and inaccurately reporting accounts included in Chapter XXXX Bankruptcy filed XX/XX/XXXX. Received Dispute results back and Problem has not been resolved creditor continues falsely reporting account information, altering its address on my other credit files, and reporting false information regarding account ; in addition keeps adding fraudulent payment history for XX/XX/XXXX and XX/XX/XXXX on my XXXX   Credit File. Filed a Final Notice to creditor XXXX XXXX ( 10 ) day in which Creditor left dispute letter unclaimed. In addition filed additional dispute and supporting documents letter and a Final Notice to the Credit Bureau Equifax. Consumer has also requested the removal of all Fraudulent, False, and Inaccurate information regarding account with XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My Navient account was reported missed and delinquent 90 days in XX/XX/XXXX. It was wrongly put into repayment when I specifically requested a forbearance in XX/XX/XXXX meaning XXXX wouldnt have been in repayment until XX/XX/XXXX. I sent two certified letters to the Navient credit Bureau because they only accept letters. I sent one in XX/XX/XXXX and XXXX XX/XX/XXXX. I was told via a customer service manager that the bureau has 30 days to respond. However they have yet to respond to either letter. My complaint is that this company are crooks. They destroy lives and credit. And their business practice is unethical. I have a incorrect credit report with no way of fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Collections Agency : Jefferson Capital Systems I did not have an opportunity to request account validation. According to my credit report, this collections account was opened on XX/XX/2019. However, I did not see it until it posted on my credit report on XX/XX/2019. There was a derogatory remark on my credit report because I never had an opportunity to dispute account validity. 

Alleged Amount Owed : {$460.00} This company violated federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: WA

Complaint narrative:
On XX/XX/2019 I began the process of a mortgage loan refinance with Homebridge Financial Services , Inc. license # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX My loan officer was XXXX XXXX XXXX NMLS # XXXX. 

The loan was scheduled to close on XX/XX/2019. 

Unfortunately, the loan did not close. Homebridge Financial and Mr. XXXX vanished on XX/XX/2019 leaving me wondering the status of my loan. I reached out to Mr. XXXX on XX/XX/2019 and requested a explanation. Surprising, I received a statement of credit denial stating my " original application was denied '' due to a credit inquiry on XX/XX/2019. 

I have a copy of a XXXX  credit report from XX/XX/2019 going back several years. The specific reasons Homebridge is stating they based their credit decision on simply does not exist. 

To put this in perspective I have spent 65 days providing documents, answering questions ( via phone, email and text ), meeting with a home appraiser to whom I paid {$870.00} and retrieving professional estimates for repair work ... ... all for a mortgage loan Homebridge Financial is now claiming never existed???????? 

I have in my possession the following documents that further prove the validity of this loan : 1.  Uniform Residential Loan Application with a " Welcome to Homebridge letter ''. XX/XX/2019 2.  Preliminary Commitment for Title Insurance requested by Homebridge Financial. XX/XX/2019 3.  Mortgage Loan Commitment from Homebridge Financial Services. XX/XX/2019 4. Receipt for appraisal services {$870.00} XX/XX/2019 5. A check for the refund of the appraisal service by the appraiser in the amount of {$870.00} with a " general release '' for keeping quiet regarding the fraudulent appraisal. 

6. 2 professional estimates for repair work. XX/XX/2019 7. Pre-closing disclosure documents signed on XX/XX/2019 8. 60 emails and 200 text messages regarding this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has issued XXXX Resolution Reports and in both reports, they missed answering many questions. 

In addition, Wells Fargo marks most of the complaints as duplicates and by doing so avoids answering all of the questions/addressing the issues. 

So the purpose of this complaint is to once again try to get this arrogant bank to cooperate. After an almost 1 year one-sided biased secret investigation, Wells Fargo issued a Resolution Report # XXXX and missed major issues. 

The tone of the report was one of impending liquidation and reflected the biased and one-sided as the secret investigation.

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 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
synchrony bank keep adding credit card account an d changing the account number and state a I have a card that I went over the limit the accounts has had the account numbers change to make it hard to track it I want to know when the purchases was make who picked the and or sign for the pucrases and what date it was purchased ship to whom the date the account was open with the correct 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
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX keep adding credit card account an d changing the account number and state a I have a card that I went over the limit the accounts has had the account numbers change to make it hard to track it I want to know when the purchases was make who picked the and or sign for the pucrases and what date it was purchased ship to whom the date the account was open with the correct 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
Consumer complaint received 2019-12-23 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: LEXISNEXIS
State: MO

Complaint narrative:
Whereas Lexis Nexis has not properly investigated, or reported information properly and according to the Fair Credit Reporting Act. 
Correspondence and Dispute sent XX/XX/XXXX regarding A Bankruptcy reporting with source as Hawaii Federal Bankruptcy Court XXXX on XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing and requested verification providing me with copies of any documentation bearing my signature. In the absence of such documentation I formally requested the item be deleted from the credit file. Nexis Lexis Responded with a form letter simply stating Verified from the Hawaii Federal Bankruptcy Court XXXX. 
2nd Correspondence and Dispute sent XX/XX/XXXX requesting Lexis Nexis provide me a description of the procedure use to determine the accuracy and completeness of this information verified including the name, address, and telephone number of each person contacted regarding this listing. Again, I requested documentation bearing my signature and that any further automated response from lexis nexis or e-oscar verification was unacceptable. Nexis Lexis responded with the same form letter as the last one simply stating verified without any of the information I requested and am entitled. 
I contacted this court in Hawaii and they provided me a letter stating they do not provide any information to credit bureaus. I have sent this letter to Lexis Nexis and that mere fact proves they are inaccurately reporting information on my credit report as they continue to report their source of verification as the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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