vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Financed XXXX XXXX XXXX with XXXX  XXXX XXXX XX/XX/XXXX. Paid on the loan as agreed and balance never changed. Everytime I looked up I was being charged fees and have no idea why. When I would question fees being charged and why, I could never get and explanation. In XX/XX/XXXX I had a car accident and the vehicle was totaled. Insurance paid and gap paid and there should be no balance left. Santander continues to call me about a balance that I do not owe and can not explain why I owe {$4100.00} when I had full coverage insurance and gap insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
XXXX has been deceptively putting my loan in forbearance status even though I was never late in payment or requested forbearance status. Also, they are generating higher amount bill than it actually is due so that payment carries over to next month and it does not count as qualifying payment toward PSLF. This is a very deceptive and fraud practice. They are not listening to me and not fixing these issues. If they do not count all my qualifying payments for PSLF, I am going to take legal action against them. I hope they listen to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
We paid the account off to XXXX XXXX bank, XXXX, with the correct account number before it was due. Now they are assessing interest, late fees, and reporting to credit agency saying it was late because they did not recognize the account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
We have been set up to fail on this mortgage from the get go! I have been working with XXXX XXXX at Rushmore Loan Management to save my house and the only solutions I have gotten are loan mod trial payments that are increasing my payments instead of reducing them. A year ago I lost a $ XXXX job. I was out of work for 2 months with no income and only my wife 's {$55000.00} income. I asked for help and was told to do a short sale as Rushmore deemed I couldn't afford the house. I then got a job with a salary of {$55000.00} to match my wife 's. We get approved for a loan mod trial payment that is about the same amount as my current payment!!! ( The one that is already too high! ). Well they set up the mod trial payments to begin immediately a week after requiring me to come up with {$2000.00} down payment so immediately we are gon na run behind because they didn't calculate the extra month and give us enough time between payments. C'mon really???? That is just setting us up to fail! We did, we were never able to stay current because we started out delinquent on it. So I go get another job that pays more - {$60000.00} back at my old employer XXXX and I again petition for some relief on our payments and we get approved again. Again I had to come up with another {$2000.00} down payment and again was given only 7 days to make the 1st trial payment of get this {$2000.00}!!!!!! Again we started out delinquent on the trial plan - well now we just received the 10 day letter that the plan is being canceled because we fell behind! You started us behind and again we were set up to fail! OK we lost {$28000.00} income and now our mortgage payment gets raised another ball park $ XXXX. We are asking for a lower payment not a higher payment!!! Then I get told at least it will bring you current!! So we can default on the higher payment again. The idea is to fix it right the first time. I also was told if I can manage to pay it for 1 year on time we would be eligible for a refi. No one is gon na refi us with our credit like it is! 

We offered to pay $ XXXX for the house and was told not enough. That is 25 % of our net monthly take home pay. It would be on time every month. My wife does XXXX XXXX at XXXX ( she is an XXXX ) and they offer numerous alternative mods where they balloon balances on the back end to hit an affordable payment. They also set payment structures temporarily for say 60 months at reduced payments to help people get back on their feet and save their house. We have been offered no interest rate reduction, no term extension, no payment reduction. No nothing except pay more and the payment goes up, up, and up. It is almost as if Rushmore wants us to fail so they foreclose on our home of 11 years. 

We can pay and want to save our house. Please help us and please stop raising our payment so high it is un-affordable to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
My checking account was defrauded out of $ {$950.00} out of a fraudulent company .Golden 1 told me They are. It responsible for the loss since I invertly gave them my account number.

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 2018-09-25 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: MO

Complaint narrative:
I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. XXXX claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. XXXX  won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
Called them in the beginning of XXXX to inform them my principal and interest went up $ XXXX. and this was incorrect. They proceeded over the next 6 weeks over a total of 7 calls to lie & make up Balone ... in which by the end of each phone call was obvious to me and also to them! They keep using the word escalate to a senior advisor to figure out how this could happen seeing as how I am on a fixed rate. They are now sending me threatening mail which I really dont appreciate. They want me to just pay them and theyll figure it out later, which I am unwilling to do because theyve had over 2 months and have not given any explanation or proof that my principal and interest shouldve rose $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: ERC
State: MI

Complaint narrative:
After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. I have never received collection calls from this debt collection agency. Later, I was able to get this information updated and even placed a fraud alert on my credit report. I have been in communication with the debt collection agency XXXX  XXXX XXXX ( ERC ) constantly advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. ERC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). ERC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously, and hurt my ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. XXXX  claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. TransUnion won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.

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 2018-09-25 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. Experian claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. XXXX won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.

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 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington was notified by XX/XX/XXXX that I lost my job with XXXX XXXX where was an XXXX, They offered a modification supported by the government to reduce the monthly payments. 
Since their payments offered were still high ( about 640.00 per month ) I continuedin communication with them to reduce the monthly payments, They rejected this during all the month of XX/XX/XXXX until I had only three days before the due date ( XX/XX/XXXX ). 
On XX/XX/XXXX I sent a check for the amount they wanted via certified mail. 
The Post Office misplaced the envelope and it took for them to deliver on XX/XX/XXXX. 
Carrington notified that I was left out of the program for non compliance. 
I argued that it was the postal service and had the green receipt to prove it. 
They said that they had to receive the check by that date and they didn't After that I submitted at least 18 Request For Mortgage Assitance packages every single one was rejected. 
They put my house for sale with a date XX/XX/XXXX I do not have the {$33000.00} whi they say I own them including legal fees I have reason to believe that they have done this with the intention to get my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in  question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in  question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Randolph, Boyd, Cherry and Vaughan
State: NC

Complaint narrative:
In XXXX, after careful review Randolph, Boyd, Cherry & Vaughn Law firm   gave me written notice that it is no longer within the legal confines to collect this debt as per the State of Virginia Statute of Limitations after I objected to their collection attempts on this timebarred debt with XXXX XXXX XXXX. There was a judgment obtained for this debt in the State of New Jersey, XXXX County in XXXX, approximately 10 years later, in XX/XX/XXXX the law firm obtained a judgment in the State of Virginia  XXXX County of XXXX. A XXXX XXXX was delivered to my place of employment dated XX/XX/XXXX although the debt is no longer valid. This debt is over XXXX XXXX XXXX and per the Law in the State of Virginia it is over the Statute of Limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
I was a member of XXXX XXXX XXXX starting back in XXXX. My contract expired in XXXX. XXXX XXXX XXXX bought the company out and the gym memberships resumed without contract month to month. I was never subjected to any fees due to the fact no contract has existed since XXXX. Another company XXXX XXXX XXXX purchased XXXX XXXX in XX/XX/XXXX. I was never contacted in regards to my membership, I was unable to go to the gym due to it being closed for renovations. Still without any contract and no contact made to see if I wanted to stay with the new company I took it into my own hands and declined. I am not receiving bills for the month of XXXX. I am not a member nore do I have a contract this is becoming harassing, I do not owe this new company any money. XXXX XXXX is trying to put be in debt.

Company response to consumer: Closed with explanation