vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: NY

Complaint narrative:
I have contact transunion with the inquiry more than 48 and they havent remove them I have spoke consumer services told them it was fraud and still they do nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
Dear Management/Executive ; Im really worried that some of the information on my credit report on this account about may be reporting inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. It looks like some of the details that you guys are reporting arent true. 

For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Also, how is it possible that according to the credit report it shows the Open Date is XX/XX/XXXX and the First Report Date is not until XX/XX/XXXX ; Where are the records of good payment? How about the alledged recent balance? Look at the report, did you see the DATE of STATUS XX/XX/XXXX. - Again, how is possible that the first reported date is XX/XX/XXXX, but the Date of XXXX XX/XX/XXXX ... ..Where the good payment history? Honestly, i'm so concerned about the way this account is reporting with multiple errors, and if it's not fixed I 'may '' hire one of those FCRA attorneys like XXXX XXXX XXXX 

Anyway, can you please help me understand whats going on? Id like to see the following documents so that I can compare them to the information on my credit report. 

I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. 

Heres what Id like to see : The complete original alleged promissory note that shows my signature The account transaction history Any required default or acceleration notices The notice of sale document The Calculation of Surplus or Deficiency letter Any additional finance contracts including those related to insurance or finance products The buyers guide The purchase order Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note Thanks for your prompt attention to my concerns, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4.  XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX   XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. 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 2019-03-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX began garnishing my wages through my employer, XXXX XXXX XXXX on XX/XX/2019, with no prior notice for alleged student loan debt that I was under the impression was forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc.
State: OR

Complaint narrative:
XXXX XXXX reported me fraudulently to the credit bureaus in XX/XX/XXXX for an amount of {$450.00} that I never owed. I have emailed to the company the cancellation and no further charges to my debit card that was sent to me as confirmation on XX/XX/XXXX. Below is a copy and pasted email of the original confirmation of no further charges that was forwarded to XXXX XXXX management to resolve this matter. 

Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX  PST To : XXXX Subject : Fwd : XXXX XXXX XXXX XXXX XXXX , I got a disturbing letter from a collection agency that owe you money and I do not owe your business anything. XXXX assured me he stopped all charges and closed everything via this email. 

Please correct this as soon as possible and give me a call. I will have to contact the bureaus as well. I am at XXXX. 

I have already had a customer experience nightmare for over a year with your company and I can not believe this is happening. This is without question the most disturbing situation I have ever dealt with. I have never been sent to collections on anything. 

I look forward to your call, XXXX XXXX Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX PDT To : XXXX XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX Reply-To : XXXX XXXX XXXX XXXX, Per your request, your membership has been cancelled with no further charges against your account. I have added credit to your account to cover your last months dues, and your last day to use services will be on XX/XX/XXXX. 

Also as stated on the phone, if you decide to stay with us, please email me back on this thread and I will apply first months dues to any level membership you choose. 

Warm Regards, XXXX Guest Relations Manager XXXX XXXX p : XXXX f : XXXX XXXX XXXX XXXX XXXX OR XXXX On Thursday, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX wrote : Confirming no further charges to my card and last tan date XX/XX/XXXX. 

Thank you. 

Sent from my XXXX XXXX has already deleted this fraudulent reporting from my credit bureau report, however, XXXX chose to ignore my dispute and do nothing. I will also be filing a separate dispute against XXXX  due to the agency ignoring my information, not completing an investigation and doing nothing to resolve this matter that is an act of outright fraud by XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I have contacted XXXX XXXX since XX/XX/XXXX about a " Borrower Defense to Repayment '' after I heard about the XXXX XXXX shut down during the same year. I contacted through phone call and through email again on XX/XX/XXXX. On the initial phone call, the person I spoke with said they will put my loan ( s ) on forbearance until they see if I can get the Borrower Defense to  Repayment. I had to fill out a questionnaire and some form for all of this and submitted it to them. I have emails from then and from various times since then saying that they will contact me soon, etc. I have never gotten any phone calls or emails or letters about my status. I have tried calling and left messages. I have tried emailing and keep getting responses that someone will contact me soon ; yet I have not gotten anything. This year, my forbearance has ended and they just started to bill me for my loans and asking me to pay. This should not have happened because my situation has never been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Golden Title Loans LLC
State: TN

Complaint narrative:
XXXX XXXX  ( a branch of Golden Title Loans ) located at XXXX XXXX XXXX, XXXX TN XXXX is making harassing phone calls to my job and to my relatives. I asked this company to cease making phone calls to my job and relatives and to make communication only with me. 

The following week after asking this company to cease making phone calls to my job and my relatives, they have begun making harassing phone calls to both of my ex-husbands. Additionally, they are making harassing phone calls to my ex-husband niece regarding my debt. I have had no communication or relationship with these people in years and never gave permission or phone numbers for these people to be contacted. 

I am asking that this company be fined for their bullying and harassing behavior of debt collecting. They have violated my privacy as a consumer, putting other people in my financial affairs without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
I started talking to Rushmore home loans about a possible modification in XXXX of last yr because I was having trouble making the mortgage payment a 9 % interest rate. I am upside down on value and can not refinance without having to pay the mortgage down. By XXXX, no resolve had been made. They kept asking for updated financials about every 30 days and said their review process takes 30 days more. I got frustrated with waiting on their answer and contracted with XXXX XXXX who said they could negotiate a lower payment with Rushmore since my rate was 9 %. I had to go through the same process of submitting financials in XXXX, update in XXXX, XXXX and XXXX, when finally Rushmore has offered a modification to change my payments from {$1800.00} to {$2400.00}. How does this help me???? I am at a complete loss, because I started this process as a hardship request to lower my payments an stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: MI

Complaint narrative:
DURING THE TIME I WAS IN A HOSPITAL, MY VEHICLE WAS AT AN IMPOUND LOT RACKING UP STORAGE FEES AND MY VEHICLE WAS SUBSEQUENTLY AUCTIONED OFF AS I WAS STILL IN THE HOSPITAL AND UNABLE TO LEAVE. 

IN MY VEHICLE, WERE MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS AND XXXX AND XXXX AS I WAS PREPARING TO GO OVER MY TAXES AND SEE IF I MISSED OUT ANYTHING. 

WHOEVER RECEIVED MY VEHICLE AND THE PERSONAL IDENTIFICATION DOCUMENTS AND CREDENTIALS DID NOT SECURELY DESTROY THEM AND IT ENDED UP IN THE HANDS OF FRAUDSTERS WHO SPENT OVER USD 5000+ ON EACH OF MY CREDIT CARDS THAT I PAY IN FULL EVERY MONTH SINCE 1998. 

I HAVE NEVER HAD XXXX INTERNET INSTALLED IN MY HOUSE AS IT IS SLOWER THAN CABLE OR FIBER AND SO I DO NOT KNOW HOW AN XXXX XXXX XXXX XXXX COLLECTION ACCOUNT APPEARED ON MY CREDIT HISTORY AS A COLLECTIONS. 

THE PERSONS WHO GOT A HOLD OF MY IDENTITY DOCUMENTS MAY HAVE LISTED ME AS A GURANTOR OR LISTED MY ADDRESS AS THE BILLING ADDRESS FOR SERVICE SOME WHERE ELSE. 

THIS HAS ALL BEEN REPORTED TO THE US POSTAL INSPECTION SERVICE ABOUT THIS IDENTITY THEFT WHICH THEY ARE INVESTIGATING. SEE ATTACHED 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 2019-03-21 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:
Experian received fraudulent information from XXXX XXXX ( company ) via XXXX XXXX XXXX XXXX ( debt collection ) in XX/XX/2018 for money I never owed.

I filed an online dispute with Experian and the agency chose to ignore my dispute, not investigate my dispute and keep the fraudulent collections account on my credit bureau 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 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There has been a new company called XXXX XXXX that has been posted on my credit with falsified information. My identity was stolen and I have Been battling identity theft for years. XXXX XXXX  Is a false collection with false information that is NOT mine and needs to be removed from my credit. XXXX XXXX Information balance is {$140.00} and was posted XX/XX/XXXX 16

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There has been a new company called XXXX XXXX that has been posted on my credit with falsified information. My identity was stolen and I have Been battling identity theft for years. XXXXXXXX XXXX   Is a false collection with false information that is NOT mine and needs to be removed from my credit. XXXX XXXX XXXX balance is {$140.00} and was posted XX/XX/XXXX 16

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was made aware that Navient reported all 16 accounts 90 days late in XX/XX/XXXX. Once I noticed the late reporting, I immediately contacted them. I never received a phone call or any statements in the mail. The representative placed me on a temporally forbearance until the income based plan was processed and approved. I contacted Navient CEO via email ( screenshot provided ) and asked for a " goodwill '' for the one late payment because 1. I wasn't properly notified 2. I was currently in school ( vocational rehabilitation ) through Veteran Affairs. The response was not what I was hoping for so I continued to do some research. That's when I independently learned that my current status as being enrolled in a Rehabilitation program ( within the time frame where Navient has me 90-days late ) I qualified for a in school deferment. In the response from a Navient representative ( attached ) I explained 3 times that I was in night classes and she never advocated for me and help link me to the right department to see if I qualified for any in school deferments. After submitting all of my proper documents proving that I was in school ( at the time of the negative reporting ) and still in school, ending XX/XX/XXXX Navient approved my deferment request, however, they are continuing to inaccurately report negative item on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
none of the three credit reporting companies at XXXX actually reports credit score - NONE! 
Experian is asking for a {$1.00} with {$25.00} per month unless I cancel service. XXXX claims they can not deliver report online, and XXXX does not display credit score either and is asking for some kind of subscription as well? 

What is the point of the free annual report again?

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 2019-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a XXXX store credit card issued by Capital One on XX/XX/XXXX. After a couple of weeks I still had not received my card. I called Capital One & this is where the first lie was told. I was told it takes 30 days to receive a new card. Then the rep proceeded to tell me my statement had already been cut and it was mailed out on XX/XX/XXXX. She also told me my due date was XX/XX/XXXX. After still not receiving a credit card or a statement I called Capital One on XX/XX/XXXX. The rep told me that she doesnt know why I was previously told it takes 30 days to get a card. She said that is not true, she said it takes 7-10 days. She then said the address for me in their system was incorrect. She updated my address to the correct address and she said she re-issued my statement and also re-issued me my credit card. I did receive my statement but I STILL HAVE NOT received my card. I called Capital One again on XX/XX/XXXX demanding to have my card overnighted to me. Before that I was told cards take 46 days to arrive. I demanded to speak to a supervisor. Supervisor verified my address and could not tell me why I dont have my card. She said she could reissue another card and send it 2-3 day priority mail. I then paid my bill over the phone with her. On Wednesday XX/XX/XXXX I called Capital One again and I was told they dont have the capability of sending cards out 2-3 day mail. She said they only send standard mail 4-7 days. I informed rep I am tired of Capital Ones lies and I will be filing a complaint with XXXX and CFPB. Capital One is already reporting me to all 3 credit bureaus, they took my money and they REFUSE to send me my credit card!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
This problem actually started in XX/XX/XXXX when I received notice of escrow shortage in the amount of {$3700.00} when they raised my payment amount from {$540.00} to {$700.00}. Then XX/XX/XXXX they sent another escrow shortage notice in the amount of {$2500.00} and raised my payment slightly from {$700.00} to {$700.00}. Then XX/XX/XXXX I received another escrow shortage notice of {$1500.00} and raised my payment from {$700.00} to {$710.00}. Then XX/XX/XXXX I received another escrow shortage notice {$2600.00} and they are raising from {$710.00} to {$880.00}. The notice states exactly this : " Our review shows your escrow account has a shortage of {$2600.00}. Once we pay your upcoming insurance and/or tax payments, your escrow will fall below the required minimum balance. See Section 4 for details. Your monthly mortgage payment is also changing XX/XX/XXXX. Your new payment amount depends on which option below you chose : " Choices are pay the escrow shortage balance {$2600.00} in full by XX/XX/XXXX or monthly payments raises to {$880.00}. I have called repeatedly since XX/XX/XXXX to try to resolve this issue. And in just this last 2 weeks  have left several messages online and on voicemails to have someone contact about this very serious issue. I have asked to cancel the escrow account since I have now been paying directly to the insurance agent the homeowners insurance since XX/XX/XXXX. They still have not contacted me, they still have not closed the escrow account. I sent a certified letter in the mail directly to their office on XX/XX/XXXX requesting them to close my escrow account and provided proof of Homeowners insurance that is paid through XX/XX/XXXX that I paid from my pocket ... not the escrow account. No one at this company returns calls, no one answers when transferred to their customer care line. It says there is a 20 minute wait but it actually hours ... then still no one ever answers. I've sent online messages to have someone contact me from the escrow department many many times and more recently within these last 2 weeks yet no one has ever contacted me. This payment is double what is should be. And they are stating that this escrow shortage is to cover what is going to be paid ... .when really nothing will be paid from the escrow account since I am paying the insurance agency directly. Please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied with my bank for a credit card. My bank came back to me after they say they reviewed my credit report with XXXX and says that XXXX shows " unresolved disputes '' on three of my previous accounts : XXXX XXXX, WELLS FARGO and XXXX. So I decided to review my own credit report through my XXXX  account, and all of those accounts, as well as all of my other accounts show closed/paid as agreed/never late. 

So, though my bank states that I should dispute what they say are unresolved disputes, when I look at the credit report, it does not state that at all - it shows the opposite - paid as agreed/never late. Since on my side of the XXXX web page it shows the truth, there is no way to dispute what my bank, XXXX XXXX, states they see when they pull 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 explanation