vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Advantage One Credit, LLC
State: FL

Complaint narrative:
XX/XX/XXXX, I XXXX XXXX XXXX took a title loan of XXXX with this company. they in Ca. ( XXXX ) XXXX at time of loan. Since they I have paid they them XXXX in XX/XX/XXXX. they moved to Advantage One Credit XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX I spoke with them they said they would get send the documents i needed but never did. Now this is XX/XX/XXXX, Spoke with a lady with the company in XX/XX/XXXX. every thing was good and now XX/XX/XXXX I can not get in touch with no one.company Name when i call them at XXXX is now XXXX XXXX .You pess number 2 and is disconnect you. I when on the BBB Advantage One Credit LLC has 16 complaints which all sound like what I am going through. PLEASE HELP. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ).
As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month XXXX XXXX, XXXX and XXXX of XXXX XXXX trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XXXX XXXX to XXXX XXXX but they also reported as late, the trial period payments XXXX XXXX, XXXX and XXXX XXXX XXXX even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX year old retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!

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 2017-07-10 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: NY

Complaint narrative:
I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month ( XXXX, XXXX and XXXX of XXXX ) trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XX/XX/XXXX toXX/XX/XXXXbut they also reported as late, the trial period payments ( XXXX, XXXX and XXXX XXXX ) even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX XXXX XXXX retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: NY

Complaint narrative:
I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month XXXX XXXX, XXXX and XXXX of XXXX XXXX trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XXXX XXXX to XXXX XXXX but they also reported as late, the trial period payments XXXX XXXX, XXXX and XXXX XXXX XXXX even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX year old retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!

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 2017-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Multiple payments made over the last 5 years and applied to the wrong accounts. I have federal and private loans totaling XXXX. I would make payments for the amounts given for each individual loan, but they would apply the amount to the wrong account. This happened so often and for so long that I have had to push my loans into deferment multiple times stacking the debt over and over to the point that I can no longer afford the payments. After working with Navient over and over again, they still are applying the wrong amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MI

Complaint narrative:
Collection company is currently reporting XXXX inaccurate and false information on my credit reports. The credit reports state that I owe XXXX hospital {$270.00} and {$350.00} which i do not owe and have never received notification of any collection account activity. This information was disputed with XXXX and XXXX credit bureaus. XXXX accurately deleted the inaccurate account, but XXXX updated the accounts to show that it is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contacted Capital One to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for XXXX a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect XXXX and that is the statement that I would be responsible for. I made the payment of XXXX but they debited my account for XXXX, which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of XXXX removed and the 30 day late mark removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: FL

Complaint narrative:
I have a problem with Navient Student Loans. I applied for and received a XXXX XXXX XXXX discharge with XXXX, as per the rules of the Department of Education. <P/>Navient continues to show on my credit report as open, and when I call them the give me the story that my loans are still under review. They will not answer as to when they are going to transfer my loans to XXXX for discharge, and continue to accrue interest which shows up on my credit report lowering my credit score. <P/>My XXXX was discharged on XXXX/XXXX/2017, I have contacted them previously about this issue, and was told it would be resolved by the end of the month, that was in XXXX 2017. <P/>I contacted them on XXXX/XXXX/2017 about this issue and they continue to give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On Thursday XX/XX/XXXX a suspicious charge to the amount of XXXX $ was found to be pending in my Wells Fargo Bank account with the information for a legal order by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX and found the only open case they had was for someone with a different address then mine for a visit to XXXX XXXX in XXXX that I had not had. I contacted my bank and they stated that according to their records the legal order matched my personal information ( address, social security number, etc ) so I called back XXXX XXXX to speak with the court officer directly. The court officer confirmed that my personal information did not in fact match his legal order ( save for zip code and last name ) and advised me to contact the law offices of XXXX XXXX representing XXXX XXXX in the suit. I contacted them and by prividing my own personal information they also confirmed that my information did not match their records. They agreed to contact the court officer and bank to resolve the matter. The court officer contacted XXXX XXXX but they said it needed to be pushed up for further investigation. I find Wells Fargo to be negligent as far as I can see due to the fact that the only thing connecting me to this legal order is them providing my bank information. I trust my financially institution to protect not just my finances but also my personal information. I will be seeking legal recourse against the bank myself but feel as if I have been wrongfully out in a position I should not have to be.

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 2017-07-10 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: WI

Complaint narrative:
On XXXX XXXX, 2016 my husband and I went to XXXX XXXX XXXX to see about getting a new vehicle. We authorized them to run our credit, but we never authorized them to run our credit with over half of a dozen other companies. This put hard inquiries on our credit report, which obviously hurt our credit score. We were told by XXXX XXXX XXXX XXXX that the hard inquires would n't matter because they were all on the same day and that anyone who looked at our credit would be able to tell. It 's been well over a year and we 've gotten nowhere. It 's beyond infuriating knowing that we 're trying to build our credit and because this one company inquired with 6 plus other companies, we 're the ones paying for it.

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 2017-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
Counterfeit checks were passed through our SunTrust account XXXX XXXX XXXX. On XXXX/XXXX/2017, ck # XXXX was cashed for {$230.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$330.00}, onXX/XX/XXXXck # XXXX was cashed for {$390.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$360.00}. These checks were obviously counterfeit with no signatures. I first sat with a bank officer on XXXX/XXXX/2017 questioning why the account balance was so low. I told her I had not received previous month 's statement through the mail. She reset the account so that statements would be received in the future. On XXXX/XXXX/2017, I  received a statement which was dated XXXX/XXXX/2017, and I immediately went to the bank reporting this fraud. On XXXX/XXXX/2017 I received a letter from a Sun Trust Fraud Investigator stating, " we regret that we are unable to honor your claim ''. I can furnish copies of checks and copies of my letter of appeal faxed to Sun Trust, XXXX, this morning. I have filed a report with the XXXX police.

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 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alorica Inc.
State: TX

Complaint narrative:
I have received 3 calls so far at my place of employment regarding an outstanding debt. I have told them each time to please quit calling my work and send information to my address which they already have. <P/>The place is called Global Solutions and their number is XXXX. I have also noted on my phone at work that they have called several times when I was away from my desk and did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I currently have a mortgage serviced by OCWEN Loan Servicing, LLC, for a property awarded to my ex-spouse resulting from a divorce. I am listed solely on the note. The ex-spouse was supposed to make timely mortgage payments as agreed upon in the final divorce decree, the property settlement agreement, and the special warranty deed. In XXXX of XXXX the ex-spouse stopped making the mortgage payment. I was made aware of the default in XXXX XXXX, and began correspondence with OCWEN to have my name removed from the note, and sent them a completed package with the divorce decree, property settlement agreement, and special warranty deed. OCWEN rejected that proposal about one month later and placed the property in foreclosure. In XXXX of XXXX, I again contacted OCWEN and requested a loan modification. I sent in my packet along with all the relevant divorce paperwork requesting a modification or forgiveness of a portion of the balance. I explained that I would pay the remainder of the balance in cash in 60 days. In XX/XX/XXXX, OCWEN rejected that offer. I then contacted OCWEN asking how can I remedy this situation, and the customer representative recommended completing a deed in lieu of foreclosure application, which I did on XX/XX/XXXX. I believe that OCWEN is intentionally rejecting these offers because the property is now valued more than owed, and wants to sell the property out from under me.

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 2017-07-10 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XXXX XXXX, 2016 my husband and I went to XXXX XXXX XXXX to see about getting a new vehicle. We authorized them to run our credit, but we never authorized them to run our credit with over half of a dozen other companies. This put hard inquiries on our credit report, which obviously hurt our credit score. We were told by XXXX XXXX XXXX XXXX that the hard inquires would n't matter because they were all on the same day and that anyone who looked at our credit would be able to tell. It 's been well over a year and we 've gotten nowhere. It 's beyond infuriating knowing that we 're trying to build our credit and because this one company inquired with 6 plus other companies, we 're the ones paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I contacted XXXX XXXX to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for XXXX a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect XXXX and that is the statement that I would be responsible for. I made the payment of XXXX but they debited my account for XXXX, which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of XXXX removed and the 30 day late mark removed as well.

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