vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Hi, If i am writing today, is to bring to your attention something that happened between myself and XXXX dealership of XXXX XXXX FL. 

On XX/XX/2019, date of my end of lease experience, i headed out to the XXXX dealership of XXXX XXXX to return my vehicle and try to negotiate to buy or lease another vehicle. 
As soon as i walked in with my wife, we have been introduced to the salesman and the sales manager of this dealership. We then started to negotiate the return of our leased vehicle and asked the team there to please help us getting an interesting deal on another vehicle and explaining our difficult credit situation of my wife and myself. 
The leased car we were returning had a that time about {$2800.00} dollar amount of excess millage on the lease terms, and we were assured by the sales manager that by purchasing a new XXXX that day at the dealership that we will be able to negotiate that bill with the financial department of the company later on. Also, when you return a lease, you must pay a excess wear and use of the car but can be waived that fee again by purchasing a new vehicle. 
After a couple of hours of negotiation and a lot of persuasion from the sales team who promised us a lot of benefits, we ended up returning the lease and purchasing a brand new XXXX vehicle. 
Due to our bad credit history, we got a the new car financed with an APR of 8.39 %. 

A couple days following our purchase, me and my wife got very surprised about 2 things. 

First of all, as we both checked our credit on XXXX XXXX, we realized that the dealership submitted a lot of credit check to our accounts, not even telling us that will happen. This really affected both our credit history and score. Knowing our credit situation at the dealership, i really do believe that we got kind of scammed that time. 

Second, after receiving the end of lease bill by mail, i have contacted the financial department like i was instructed by the sales manager at the dealership in order to discuss it, knowing that he promised me since i have bought a new XXXX vehicle. 
over the phone with the financial consultant, i was very surprised to hear that nothing was possible, no negotiation on the total amount and no waiver for the excess wear as well, since that apparently we did not get the new car financed with the in-house XXXX financing agency. thing that nor the salesman, or the sales manager told us upon signing the new car purchasing contract. 

i really need your help in that matter, i really believe we got scammed by the XXXX team, pursuing us to buy a brand new XXXX vehicle in order to get all the benefits that we will never get at the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In 2010 I had taken out a private loan from Sallie Mae for a cheap vehicle to possibly continue my education at XXXX XXXX University in XXXX WV. I was currently taking online courses in XXXX  XXXX. After Sallie Mae closed it's doors I was transferred to Navient/XXXX. I fell into default after years of struggling to repay. I had my tax refund of over {$3000.00} offset a few years ago which has effected me tremendously to this day. So now and for years previous, my credit score is the worst, I wasn't able to get any type of help through Navient aside from refinancing through XXXX, I actively have XXXX   XXXX  XXXX  and my grants are exhausted preventing any chance of going back to school. Trying to get back on track but it's been next to impossible for the past 9 years '. Non accredited school that is now closed..and a loan servicer who set me up for failure before they were shut down. Not sure if this is even the correct place to go to for help, but I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: AR

Complaint narrative:
XXXX XXXXl XXXX nb is showing a balance of XXXX when it was sent to collections in XXXX   should be XXXX bal this being reported by equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Mortgage XXXX. XXXX XXXX XXXX XXXX IA XXXX I have asked numerous times for Wells Fargo to correct this false reporting. 
XXXX of XXXX through XX/XX/XXXX, I entered into a catch-up repayment plan that would keep the reporting up to date. Wells Fargo insisted that they would not report payments late because this is a catch-up plan that is fully sanctioned. I fulfilled my part and paid all as agreed, and then I resumed normal payments. 
These alleged late payments should not have been reported to the CRBs because I had entered into a plan. I ask that this be adjusted and corrected forthwith with all due respect. 
This error is causing hardship and damage to me. Wells Fargo breached their word and commitment. 
Hope you can rectify 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 2020-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We paid 20 % down on our home purchase but still ended up upside down on our mortgage in XXXX   We missed two payments ( the only deliquencies we ever had ). Bank of America then moved us into the HAMP program. The told us NOT to make any more regular payments including telling us NOT to pay the two deliquent months. The did not reduce the principle but did reduce the interest rate significantly. We were given a new monthly payment amount, to be mailed by check to a special address during the three month 'trial period '. After three ontime payments, the modification became permanent. However, during that trial period they reported us as 90 days deliquent for those two months prior to the trial period, even though they told us not to pay those months, as it had already been factored into the new program. They are refusing to strike these 3 90 day deliquencies off our credit record even though we believe it should be recorded as paid as agreed. Attached are the two credit reports showing that incorrect reporting. It does not seem right that people participating in the HAMP program should be penalized for participating in the program.

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 2020-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
My mortgage was sold by XXXX XXXX to another bank. They failed to notify me in writing, rather my account with them was just closed and I found out when I tried to make my monthly payme. I was able to find the new servicer : Fay Servicing, but can not get any information who now owns my loan. Since Fay has taken on servicing my loan, they have onboarded it with annacuracies that are causing a higher monthly payment, and are providing no details and ignoring requests for information. 

- My monthly payment is XXXX XXXX/mo higher. They have no details on why. Each time I call they say they will get back to me. They never get back to me. 
- They say there is a 2nd lien, but they won't say by who or what for. 
- They refuse to provide details on escrow funds for taxes or insurance. 
- They refuse to provide details on the bank who now owns the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX VA XXXX, Said above company, took over my mortgage loan in XX/XX/XXXX. They have been receiving mortgage payments along with escrow funds. 
XX/XX/XXXX I received notice that my mortgage servicer ( XXXX XXXX ) had not paid my property tax due in XX/XX/XXXX after receiving delinquent notice from XXXX XXXX County. 
I contacted the county XXXX, and they confirmed no payment has been made. 
I in turn contact XXXX XXXX, where after they verified my funds were in my acct, I then escalated the call to a supervisor there,, she assured me this would be rectified and paid in a few days ( Did not happen ). 
I have contacted my mortgage servicer several times, again as recent as XX/XX/XXXX because my account is still DELINQUENT!! 
I have since received another notice with threat to put my home up for auction in a few months! I continue to call XXXX and continue to receive no resolution when Im paying my mortgage ON TIME, escrow money is on my account but my taxes are yet to be paid. 
At this point there is an additional {$100.00} penalty that has also been added to my account that must also be paid. This is frustrating and putting me in jeopardy of losing my home! I need immediate assistance.

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 2020-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a pre approved offer for a personal loan from Oportun I went online submitted my information I was told I was approved & that this loan approval would not impact by fico score, I was asked to finalize my loan with confirmation of my identity & employment & proof of residency & bank statements I submitted this information online, Within minutes I received several responses asking for the same information over n over than to call the phone number given to me so I called then I was told that my application will be submitted for approval & that I would receive a message for funding which I was confused because I was told I was approved prior & the information I was asked to send online was to finalize the loan. Minutes later I refuse notice that my credit was checked from my XXXX XXXX app by Oportun then I received a message I was not approved? My credit score is around 690 I called Oportun for answers as to why I was told I was approved & to finish with the loan process to fund my loan the after sending my information I was told no I was not approved & my credit reports were accessed when I was told that my credit would not be this was explained verbally & on the online application process. I was also redirected several times to different numbers were I had to give my information over n over with out clarity. The entire process is a waste of time with promises of helping those with less than perfect credit or attempting to rebuild your credit, my credit is @ XXXX in good standing I only applied to add several points to my credit profile as I was told this loan would help achieve my goal of XXXX fico.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020 I opened a checking account with Bank of America. I provided all the documents required including my home address. After leaving the Bank I looked at the receipt and noticed that my Personal Bank account as well as my Debit Card were assigned to the address XXXX XXXX XXXX XXXXXXXX. XXXX XXXX, NY XXXX. I HAVE NEVER LIVED AT THIS ADDRESS and I dont have a document with this address. I had also filled out a credit card application and was told Bank of America has a right to share my personal information with their affiliates. I am very concerned with my name being associated with an UNKNOWN ADDRESS. The Representative who opened my account was named XXXX XXXX. The number associated with him is 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 monetary relief
Consumer complaint received 2020-03-01 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:
Im a victim of identity theft someone got my information and used my cards and ruined my cards, I contacted the companies and let them know what was going on. They removed the negative items on my report now its back on my 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
Consumer complaint received 2020-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is ruining my credit for no apparent reason. My credit keeps going down every week, 19 points, with no change in report, will also go down for changes that should increase my score, duplicate changes caused erroneous changes to hurt my score more than once, every time I call I get hung up on, or given a phone number bc they aren't allowed to say why this keeps happening, and the number they give me is for a repayment debt agency call center that randomly puts you through to random debt agencies. I have no bad debt. My credit should be increasing steadily like is with the other 2 credit companies our horrible government allows to rule our lives

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my information and used my cards and ruined my cards, I contacted the companies and let them know what was going on. They removed the negative items on my report now its back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: NY

Complaint narrative:
Im a victim of identity theft someone got my information and used my cards and ruined my cards, I contacted the companies and let them know what was going on. They removed the negative items on my report now its back on my 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
Consumer complaint received 2020-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Received a flyer in the mail saying I was approved for line of credit for XXXX I went on the website the flyer told me to go to and had it deposited in my account after giving them my banking info and my pay dates. They put XXXX in my account XX/XX/XXXX then payment was due for XXXX I paid it. Then I got message payment was do again on XX/XX/XXXX I don't have the min. Payment they had due because they have took it off my account statements now. But I think it was XXXX I paid XXXX on XX/XX/XXXX then on XX/XX/XXXX I paid XXXX then by XX/XX/XXXX I had to ask for a draw because of having to give them my whole XXXX check. Then on XX/XX/XXXX they try to get XXXX which declined causing me fees. This went on and on wanting outrageous payments every two weeks until I almost lost my home. Had do money to even live off of. Here is my really big problem!! XX/XX/XXXX they said my outstanding balance was XXXX then by XX/XX/XXXX my balance was XXXX ok was told pay extra on it my balance would go down. Ok XX/XX/XXXX paid XXXX on this XXXX I owed. And was more than the minimum payment I had. That should have brought down to XXXX paid XXXX on XX/XX/XXXX should have brought what I owed to XXXX then XX/XX/XXXX paid another XXXX all with no draws balance should have been XXXX went back online to check my balance XX/XX/XXXX they had by balance at XXXX again after paying XXXX month of XXXX with no draws contacted them and theyre trying to tell me I owe this!! No way do I owe this they're crooks told them I was going to report them to everyone I can XX/XX/XXXX go online check balance they got I owe XXXX went on there today they got my balance XXXX The total amount I have sent these crooks is XXXX with a total of XXXX in small draws because they were taking my whole check monthly. Didn't even have nothing to live off of. And about to get put out of my home because of getting behind paying these crooks my whole income. This place needs to be shut down forever!! They're crooks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Every year, when I attempt to obtain my free, annual, on line credit report from Equifax, I can't. I have never had any trouble procuring my report from the other two agencies, only Equifax. It is an annual event. After I provide all of my personal information, answer all of their security questions correctly, I'm then told that they will not provide my free annual credit report unless I mail in copies of my Social Security card, pay stubs with S.S. number on them, W-2 forms, Driver 's License, etc. The US Postal Service is not 100 % secure or dependable. More to the point, who knows if my personal information will be securely handled after Equifax receives it. Is it any wonder that Equifax sustained the largest, most damaging personal information data breach in history? It appears as though Equifax is attempting to dissuade citizens from requesting their free annual credit report by making the process as cumbersome and time consuming as possible, while opening up yet another avenue for an additional personal information data breach. Will you please demand that Equifax lives up to their obligations under the Free Credit Reporting Act, have them provide me with my credit report as required by the law, and admonish them to do so in the future on line every year without me being required to contact you, as does the other credit reporting bureaus? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My credit score went down 88 points because of a missed or delinquent payment to a credit card that I didn't know I had. When I reviewed my credit report, it showed an account opened for a credit card through SYNCB/PPC. When I called the number listed, it said it was PayPal Credit. Although, I do have a Paypal account, I NEVER opened a credit card, nor gave permission for a credit card account to be opened with PayPal, or Synchrony Bank. 

My credit report shows this fraudulent account was opened on XX/XX/XXXX. It also shows 3 payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which I never made because I didn't know the account existed. Now the account is showing as closed and this information was last reported to the credit bureaus on XX/XX/XXXX and my credit report shows that I have missed 3 payments and have a delinquent account, thus hurting my credit score. 

When I called the number provided on the credit report for the credit card company SYNCB/PPC  the operator named XXXX quickly asked twice what my name was, but didn't give me a chance to speak, then said " Since I have received no response, I am ending this call '' and hung up on me. I tried immediately to call back and the call would not go through. I also called PayPal to dispute this account and the agent told me that I do not have a credit card account with PayPal and the resolution center on the PayPal website will not let me make a dispute because it is showing that I do not have the credit card account. 

I have filed a dispute with all 3 credit bureaus. What else can be done with this situation?

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 2020-03-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, On multiple occasions with the most recent being on XX/XX/XXXX, I disputed the late payment history of XXXX XXXX XXXX with Equifax. The late payment history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not receive notice that the Investigation was complete and those specific dates were not removed. XXXX has reported the late payment history differently to all three credit reporting Bureaus XXXX, Equifax, and XXXX due to these inaccuracies XXXX removed the XXXX account completely from my credit report. I have provided proof to XXXX that the account was not late on the above listed dates. There has still not been any removal of the late payments to date. Also when I pull up my credit report on different websites such as XXXX XXXX and through XXXX credit bureau that shows all three credit reports for Equifax, XXXX and XXXX, those accounts do not show any late payment history but when I call Equifax it shows a late payment history status. I would like for XXXX to send proof that the payments were late and if they are unable to show the physical proof of the payments history then the items should be deleted from my credit report. I do know what XXXX to give a verbal reason stating that everything is being reported correctly, there needs to be physical evidence to show since I have shown payment history stating otherwise. Thank you

Company response to consumer: Closed with explanation