vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
On Tuesday,  XXXX   XXXX  at  XXXX  I received a phone call from  Portfolio Recovery Associates regarding a credit card  balance of {$7000.00}. This was the first time I received a phone call from this company regarding this account and I respectfully asked that if there was any validity to this account that they provide it in writing and NOT to call my number (  XXXX  )  XXXX . She became belligerent and began to argue with me that they could and would not accept any verbal request and that my request would have to be in writing. I told her the written requirement is no longer necessary based on new changes in the law. She said she has been working at  Portfolio Recovery for o ver 12 years and she knows that is not true. Her tone was and attitude was very condescending and negative. I told her that I will be filing a formal complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
My mortgage was bo ught by Nationstar  from  XXXX   XXXX  in  XXXX . M y Trust  handled by my attorney set up automatic payments through my bank not through    Nationstar. It was on auto pay for 19 months, then with no warning they blocked my payments. My bank informed my atty that it would not accept pyt. By the time it was caught and my bank called Nationstar they then accepted the two payments but did n't remove the 2 lat e payments from credit. They stopped the auto pay when I was refinancing somewhere else. As I was about to close on the new mortgage  Nationstar sta ted they no explanation why they took it off the auto pay making me late, now unfairly forced in to a 6month modi fication instead of a refi. 10.25 % on a  XXXX  $ loan done by dad is too high. This was an inheirted predatory loan by  XXXX   XXXX  done in  XXXX  with my dad. There are  3yrs m issing from the loan. I have documentation shows  XXXX  not  XXXX , payments are missing that I have receipts for, I have ample evidence from  XXXX  including newspaper articles, insurance papers, government papers all showing the Mortgage in  XXXX . Nationstar has been alerted to this however, they still blocked auto pay after 19 months no warning or explanation why. I was also in accident during this time, had no concerns as it was on auto pay all this time. Even with po! ice reports and hospital notes, they still made me late on purpose to stop my refi with another company. I was told by  Nationstar not to waste my time trying to refi with them to go elsewhere, now I 'm forced to a modification, 6months and still no answer. The two pyts they blocked are now on my report, they should remove tho se so I can refi. They stopped automatic payments after 19 months?? then said I was late. Also payments missing I requested my payments history that 's when I found missing paymen ts and 3 yrs mi ssing off mortgage from  XXXX   XXXX . I just wanted a better rate than over 10. % they do not have my original loan documents from  XXXX   XXXX , I still have documents not signed by my dad. He passed in  XXXX .  XXXX   XXXX  wanted me to proceed with a modification after his death under his name and I  XXXX ! ined. Now since  XXXX  did this, instead of refi I 'm  6months  in to a modification. Still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
We was miss advise on how to received a line of credit for our company!!! The underwriter advise us to make a partner 90 % owner of the company so that he would added as the primary on the loan because his credit was stronger. After doing so he sent us back to the same branch where the  Asst. V P of that branch had the second contract already completed for and ask my partner to just sign it ... ....     After 2 days the underwriter call and said he was not going to be able to approval the loan, but he was not going to denied the loan ... ... ... ..     So we are now losing several major projects and money!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I had to re apply for a deferment I sent emails with the required documents, but  Navient  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is    XXXX   XXXX  -   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: Global Payments Check Services, Inc.
State: TX

Complaint narrative:
I pulled my credit report and noticed that  XXXX   XXXX   XXXX  are reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Texas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Credit Resolution, Incorporated
State: CA

Complaint narrative:
The calls started a few days ago. They also operate by another name XXXX, also based in Georgia. They claim to be attempting to collect a debt for an online loan. I have resolved all my outstanding accounts, by either having them discharged in my bankruptcy in 2015 or have settled directly with the company. I receive mulitple text messages, threats by email and harassing phone calls threatening legal action. I have repeatedly asked them to stop and have they have not. I am including a copy of the long list of BBB complaints about this company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo was offering a {$250.00} bonus for new checking accounts. I opened a new account on     XXXX   XXXX   XXXX   and fulfilled the below requirements : " Open a new, eligible consumer checking account with a minimum opening deposit of {$25.00} ( not including the bonus ) by   XXXX   XXXX   XXXX       Within 60 days of account opening, either make  XXXX  purchases/payments with your  Wells Fargo   XXXX   XXXX  or establish a qualifying  XXXX   XXXX  of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer.     The  XXXX  debit card purchases/payments must be from the primary linked consumer checking account opened for this offer.     A qualifying  XXXX   XXXX  is your salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers from  XXXX  account to another or deposits made at a banking location or ATM do not qualify as a  XXXX   XXXX . '' I made the required debit transactions by  XXXX / XXXX /  XXXX   within the 60 days, however the {$250.00} bonus never posted.     I followed up to ask when I could expect this and was told it can take up to 45 days. 45 days came and went and I sent a follow-up after 51 days. I was then told that it would be another 14 days to investigate but those 14 days also came and went.     I also stopped into a branch on multiple occasions during this period and had a banker trying to help on my behalf, asked me to electronically sign something on her electronic keypad for verification ( although it was never shared with me what I signed. ) She said she would call me back to follow through on whether I had received the bonus but I did n't hear back from her either.     I am including paperwork that includes the bonus offer code "  XXXX  '' that would seem to infer that  Wells Fargo  was going to award me this offer after fulfilling the requirements.

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 2017-05-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
for 8 years i have been trying to get a proper rate and terms from my mortgage company. They are taking half my income when 31 % is really all they are allowed to take. i have  XXXX  loans the first loan is {$200000.00} with almost 10 % interest for 55 or 60 years no one really knows, and i have a second loan that i got at the same exact time for {$50000.00} that has almost 11 % interest for 30 years i was told.     I am now 3 months behind and  NationStar has still  done nonthing but tell me i signed the paperwork.     {$2400.00} is roughly my total payment every month and if you do the math that comes out to {$230000.00}, and all but {$3000.00} has gone toward interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: NV

Complaint narrative:
I have  XXXX  items on my credit profile that is inaccurate and I have disputed this 7 times and each time the credit bureau says that they have validated and verified that the items are accurate but I know that they are not because  XXXX  of the items is the same creditor with different amounts due and they just updated my credit profile on  XXXX / XXXX / XXXX  adding an additional {$7800.00} owed when this account is over  7 years old. The  last dispute was done  XXXX   XXXX  . (   XXXX  & Transunion ) are the credit bureaus that  is still reporting this item *Twice* The other item that I had disputed was in litigation and should have been resolved due to an consumer complaint I had filed against the company and to no avail has this been verified or validated, just another case of the credit bureau saying that it is valid without further investigation. The amount is inaccurate because this item should have been removed due to the litigation. I have been disputing this item since  XXXX  and the last dispute was done  XXXX   XXXX   (  XXXX  &   XXXX    ) are the credit bureaus that is still reporting this item.     The final item is another case through the    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and a vehicle that was sold to me was sold as a vehicle that had passed emissions and to later find out that the vehicle could have caused a fire and put my life in jeopardy, which I filed another consumer complaint with the   XXXX   XXXX   XXXX   XXXX   XXXX    and  their emissions department. I had  an independent Arizona State  official emissions officer inspect the vehicle and had not seen any  prior emissions records that was done prior to selling me the vehicle which I have submitted documents to   XXXX   who is reporting this item to verify and to no avail I was unsuccessful in the validation/verification of any findings. I have been disputing this item since  XXXX  and each time I try to resend the information for verification their response is that the item is valid. The last dispute was done  XXXX   XXXX . The down payment was refunded  XXXX   XXXX  in the amount of {$1000.00} after disputing the problems with the government agencies.

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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I had to re apply for a deferment I sent emails with the required documents, but  XXXX  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is  XXXX   2016  XXXX   XXXX   2016

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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I had to re apply for a deferment I sent emails with the required documents, but  XXXX  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
FRAUDULENT ACCOUNTS BEING REPORTED.

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 2017-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Applied online fo r Target    credit card on their website on  XXXX  and received the card in mail on  XXXX . Went to their website on  XXXX  and saw they were running a promotion that offered people who applied for credit card online that they would also get a 10 % discount off their next purchase. I called Target to request this offer since I did n't get card until after promotion started and should be eligible for this discount. I talked with a representative and a supervisor and both said that the offer started on  XXXX  and that since I applied before offer I would not be eligible for the additional discount.     This form of promotional advertising is deceptive and treats consumers unfairly by limiting offers to particular time periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have been a victim of iden tity theft. In 2014 some  one used my information to open a phone account with   XXXX   XXXX  . I disputed the balance with one of the credit bureos and got it successfully over turned. I was unable to file a dispute on the other bureos regarding the fraudulant balance due to " online issues ''. The other problem is that there is an address tied to my  credit score  that is not mine. (  XXXX  tenessee ) i currently riside at  XXXX   XXXX   XXXX .  XXXX   or,   XXXX . The other address was fraudulently submitted and needs to be removed for fear of more info being stolen.

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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: KY

Complaint narrative:
I was in deference on my loan because I was n't work at the time and they reported late payment for 6 months.. I emailed them and called they keep saying they had the late payment removed but they are still on there ... I even sent a email again on  XXXX   XXXX   2017 a nd nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the  XXXX   XXXX   XXXX  account  XXXX . I am going to provide the removal letter as well for my records. Also, I provide my credit report with the  XXXX  account on my report 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
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
An account is listed on my Experian Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Experian has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX  . I have contact Experian multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  Civil Court Judge that this case wa s Settled on   XXXX   XXXX   XXXX  . A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account.I also called Experian on today about this matter and the Representative that I spoke with stated that they do n't ask for documentation to verify that someone owe a debt. They just send the information to the collection agency and they selected if they verified it or not. Which is a violation because under the FCRA to have properly verified the accuracy of an account listed on my credit report.

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 2017-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX / XXXX /  XXXX   - I am a co-signer on my daughters  Navient Student L oans. We have been trying to get the payment lowered to an amount that is financially possible based on her income. They currently have her monthly payment at {$1200.00} a month. Today we called and asked again about lowering the monthly payment and we were told that she has  3 mo re months of forbearence and that we could n't speak to anyone in collections until she has utilized all the forbearence that they offer. This will only lenghthen the time of the repayment period as well as add interest and therefore increase the monthly payment. We also inquired about co-signer release, which we were told that she would need to ma ke 12 con secutive payments to release the co-signer but after the co-signer is released they still  may not d o an income based repayment for her anyway. So as of today we put it back into forbearance which is adding on interest and the amount of the monthly payment to go up. We need to recify this and get the payment to a doable amount per month for her. How can we do this? Please help.     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had to file for bankruptcy and it was discharged. My   XXXX    credit reports continue to show balances on accounts that was discharged. I am trying to re build my credit and this continues to hold me back.

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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I  had to file for bankruptcy and it was discharged. My   XXXX    credit reports continue to show balances on accounts that was discharged. I am trying to re build my credit and this continues to hold me back.

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