vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
4 loans from XX/XX/XXXX-XX/XX/XXXXhave been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX in which was deferred as I was a full time student

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am making a complaint against WELLS FARGO HOME MORTAGE COMPANY I have an open investigation with Wells Fargo Home Mortage Company who refuses to fix a error on their part I Filed a bankruptcy and wells fargo was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and WELLS FARGO REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!

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 2017-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2017, Chase called me and told me I was behind on my payments on my HELOC and the total owed was now {$450.00}. My regular monthly payment before that had been {$100.00} per month. So, I gave them my account information and allowed them to debit the amount specified even though I did n't think that was true.
<P/>
After that, I thought everything was fine and that I was all caught up with them. The next time, I met with my financial counselor, I saw my credit report and saw that my credit score had dropped over 100 pts! I then went to Chase and spoke to them in person about the issue. The representative said that they would fix the issue and that it was a mistake on their end.
<P/>
Today, I reviewed my report again, and saw that they had marked me late for over 30 days in XX/XX/XXXX, which is not accurate.
<P/>
Due to this, they have also increased my APR to 7 % and increased my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: CA

Complaint narrative:
TransUnion ha d two glitc hes in their system where inquiries were removed from the credit report betwee n  XX/XX/XXXX  and  XX/XX/XXXX  and again in  XX/XX/XXXX  . They did not notify me about adding them back onto my credit report within 5 days which is required by The FCRA rules. I called and requested to speak to United States Representative and I spoke to  XXXX  who claims to be a supervisor in special handling. They have been known to say that consumers were not affected by the glitches and that is exactly what she told me. I know that I was affected by the glitches in the system and there are inquiries on my credit report that should not be there.

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 2017-07-12 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: AL

Complaint narrative:
XXXX XXXX and XXXX XXXX of 2016. that a computer glitch that was TransUnion 's problem, not mines caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX. These inquiries add a hardship and that my rights were violated by TransUnion. CFPB help me make TransUnion stop victimizing me. As a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
We have paid our mortgage, on time and in full ( actually, recently paying a little over the specified amount every month ) for a year now. The company will NOT allow us to delete the escrow account, and pay our own homeowners insurance and taxes, which we are more than capable of doing, on our own. They have " claimed '' various reasons. One being that we " should have requested that at the time of closing '', when NO ONE offered us that option or we would have chosen to do that. Another reason is that our " debt to loan ratio '' is too high -- 88 % as opposed to the desired 80 % -- when we have been told 2 other figures i the past.

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested validation of a debt listed on my credit report from XXXX XXXX XXXX also listing their information as XXXX. I have never borrowed any sum of money from the XXXX and I have asked them numerous times to prove the loan source. None of this information is listed with the XXXX XXXX XXXX which is the actual lender for school settings.

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On XXXX XXXX, 2017, I sent them my dispute letter requesting that they verify all data for the disputed accounts and I 've yet to receive anything of the sort. <P/>Because its been well over 30 days and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the accounts I wrote to them to investigate and verify since XXXX XXXX, 2017. <P/>I beseech you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Since 2014 my impound account began increasing, sometimes the amount would increase 2 or 3 times a year, which could not be due to taxes or insurance which are annual events. I made a large payment to cover what they claimed was a short fall, but this continues each year- Even though there is a reduction in both my insurance and property tax! Ive made several attempts since that time to speak to someone but their telephone system seems to be anti-customer ; each representative operating anonymously, unable to give their full name, supervisor or department head name, customers are set up to fail when these anonymous reps are enviably unable to answer question. They say they transfer you and process begins again, most time coming to the department you began with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
To Whom it  may co ncern This my third time complaining about this company. However now since I started paying ahead of time to eliminate some interested, the company decided to raise the rate. Wow, By the time I get done paying them I would have paid  XXXX  on a total of  XXXX  Loans I took from a school (  XXXX   XXXX   XXXX   ) th at no longer exist. If that is not loan sharking I do not know what to call it. Since my last complaint I have started paying early. Now I am a month ahead almos t  XXXX  o n my payments and I get  this bomb d ropped on my, that my interest rate has increased wow. if this is not modern day  XXXX  I do not know what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are showing a {$1600.00} balance from XXXX XXXX XXXX owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. Equifax lists the filing date as XXXX XXXX, 2014 while XXXX lists the filing date as XXXX XXXX, 2014. <P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are XXXX bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
I drove up to the ATM machine at the XXXX BB & T. I used my XXXX XXXX XXXX card ( XXXX XXXX XXXX XXXX ) to withdraw money on X/XX/17. I asked for {$300.00}. It went through the whole process, asked me if I accepted the fee and I did and it said to take my money. No money came out. I walked into the bank to report it and the teller said to check with my card. I called the card and it posted that the money was taken out. I went back in and told the teller and she went to speak to a manager, or someone in dispute and she came back and told me she was told there was nothing they could do since I was not a member of the bank that I needed to file a dispute with my card. I called my card and they said I was doing the right thing and they took all the info and told me it would be investigated. I got an email after 12 days and it said the dispute was denied. I called and asked why and they said based on info the bank sent them. I called the bank to tell them I was denied. The teller again went to talk to someone and came back with sorry we cant help since your not a member. I got a number for customer service and explained to them what happened. I told her the day and time and asked why no one cant look at the cameras to see I did n't get any money. I asked for ATM number and was told they could n't give me that. I asked why they had the machine if they was n't reasposible for it and was told its a courtesy. I said there was no warnings that if youre not a member and something goes wrong that you would not be helped by that bank. They just apologize and say since Im not a member there is nothing I can do. on X/XX/17 I had a withdrawl of XXXX from BB & T ATM on my XXXX XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: CA

Complaint narrative:
I have requested validation of a debt listed on my credit report from University of XXXX also listing their information as XXXX. I have never borrowed any sum of money from the University and I have asked them numerous times to prove the loan source. None of this information is listed with the Department of Education which is the actual lender for school settings.

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 2017-07-12 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
Originally my student loan was handled by XXXX XXXX. It has been handled by Navient most recently. I have been paying on my loan for 14 years and I have noticed that the amount I still owed on my loan has been going up. I went from owing {$88000.00} to now owing over {$90000.00}. I have also just realized that my payment is paying the interest on the loan and almost nothing is being paid to the principal of the loan at all. I feel like after 14 years I should have paid some of the balance. My payment has been between $ 500-700 a month for the past 14 years. It is very distressing to learn I now owe more than I originally borrowed. I have tried to talk to them and keep getting a story of why this is and at this point I feel like I will never pay off my loan. I am in my XXXX 's now and I did not anticipate I would still be paying so much. I have no idea where to turn to for help and if it is even legal for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX. that a computer glitch that was XXXX 's problem, not mines caused my inquiries to be deleted. XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX. These inquiries add a hardship and that my rights were violated by XXXX. CFPB help me make XXXX stop victimizing me. As a resolution that all of my XXXX inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2017-07-12 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: VA

Complaint narrative:
I am making a complaint against XXXX XXXX XXXX XXXX COMPANY I have an open investigation with XXXX XXXX XXXX XXXX Company who refuses to fix a error on their part I Filed a bankruptcy and XXXX XXXX was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and XXXX XXXX REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XX/XX/XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!

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 2017-07-12 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: VA

Complaint narrative:
I am making a complaint against XXXX XXXX XXXX XXXX XXXX I have an open investigation with XXXX XXXX XXXX XXXX XXXX who refuses to fix a error on their part I Filed a bankruptcy and XXXX XXXX was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and XXXX XXXX REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: DriveTime
State: CA

Complaint narrative:
Drivetime XXXX  are liars. I have talked with so many people to the point where I give up. I have told them numerous times the car can not be driven. If you guys want the car please go pick it up. You all have done nothing for me the only reason you guys paid the fee to pick the car up is because your sorry warranty team did not pick it up when it stopped in the middle  of a busy road. I  will just keep filing complaints. You all are a scam and there are countless lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I have been receiving many Harrassment phone calls of, Collection, threats of escalations of my vehicle repossession and possible collecting funds from me in court. All calls are been made through my cell number XXXX.and also by email. Prestige Administration or staff has been calling from their number XXXX. Also Prestige business partner Vehicle Dealership in XXXX, Texas is also calling, but they do n't leave a message. Their address XXXX XXXX XXXX XXXX XXXX, Texas.XXXX ... XXXX Email : XXXX Federal Government can archives all emails from XX/XX/XXXXof XXXX XXXX and Prestige on my loan process. My Bankruptcy Chapter XXXX process in Federal Court in XXXX, Texas was filed on XX/XX/XXXX and Prestige and XXXX XXXX XXXX was informed on my bankruptcy Chapter XXXX process and proceedings with XXXX, Texas Attorneys XXXX XXXX and XXXX XXXX. After I file various Federal complaints against Prestige Financial after XX/XX/XXXX and also Prestige Management Has appointed XXXX employee XXXX XXXX to go after me to collect on payments of collections of {$480.00} and {$440.00} in which I can not afford and pay for XX/XX/XXXX. I respectfully asked Prestige to restructure my loan under 17 % interest rate and lower my monthly payments under {$480.00}, {$440.00}, because of my Financial Hardship and XXXX. I am XXXX and Retired and I do n't receive XXXX XXXX XXXX. I have sent evidence documents on my XXXX Lifetime to Prestige Administration. I am respectfully requesting that the Federal Government conducts a investigation on my vehicle purchase and loan process with Prestige immediately.

Company response to consumer: Closed with explanation