vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 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: CA

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX XXXX CA, at age XXXX. 

The school made it seem like a " deal '' and that it was a Sallie Mae government loan. 
I have a deceased parent and was never informed about " Private '' loans. 
The loan was in 2 parts totaling {$70000.00} Now that I have to make payments they will not offer me a repayment program that works with my income. 

I have been placed on a Reduced Plan but Navient still requests I pay {$500.00} a month. 

I can not afford this loan and did not get the job guaranteed to me and do not work in field of study. I only make approx {$24000.00} a year I have reached out for help, but can not receive any. 
This is effecting my personal health and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I currently have an auto loan with Wells Fargo Dealer services. Myself and my husband are on the loan. They have two phone numbers for us XXXX and XXXX. We have repeatedly told them to only contact us at the XXXX and not the XXXX number. My husband has a dangerous job and is not allowed to have unexpected phone calls while working at that number. I have called them several times and asked them why they keep calling that number. They tell me " I do not know why it says do not call next to the number. '' We have been telling them for months to stop calling that number. The last time I told them to stop calling that number was on XX/XX/XXXX they called the number again on XX/XX/XXXX. I have now informed them to only communicate through mail.

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 2018-06-13 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: CA

Complaint narrative:
Hello, I received an email from XXXX saying there was a new inquiry on my Equifax report today XX/XX/XXXX at XXXX. I went into my account on XXXX and it did have a new inquiry on XX/XX/XXXX From XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone # XXXX ), which I did NOT authorize. 

I called Equifax first and was told XXXX XXXX XXXX did request credit report so to call them directly. 

Then I called XXXX XXXX XXXX and was directed to the fraud departments for both wireless and home/XXXX and was told they have absolutely no record of any inquiry they submitted OR any new or old account information for me ( because I have never had or applied for a service with XXXX XXXX XXXX EVER ). 

Then I called Equifax back and was told that XXXX XXXX XXXX is the only entity that can remove this hard inquiry because XXXX XXXX XXXX did put in the inquiry so to call them back. 

Then I called XXXX XXXX XXXX AGAIN, and was told the same that they have no record of such inquiry and so they won't be able to put in a request to Equifax to remove the hard inquiry on my account. 

The XXXX XXXX XXXX entity in question : phone number is a disconnected number, the address is for XXXX, an XXXX in XXXX XXXX, TX. So who is requesting my credit information and why is Equifax giving out this information when I did not give authorization? 

I did inform the Equifax agent regarding this but he did not do anything further to investigate this non-existent " XXXX XXXX XXXX '' business that they, Equifax, provided my credit report to. 

Please help. I want this hard inquiry removed. They can not provide any proof that I authorized this hard inquiry on my credit report because I DID NOT give it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Hello, I have detected one incorrect record on my credit report from XX/XX/2016 for a " hard inquiry. '' The hard inquires have been performed by : Citizens Bank.

I have never authorized nor I recall authorizing a credit card or any form of credit request from Citizens Bank during these dates.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: ME

Complaint narrative:
On XX/XX/2018 my husband and I filed chapter XXXX. I sent a copy to Transunion asking them to fix their errors. I get a copy of our reports and all our good credit that was paid long before this is marked as bankrupt even through they are paid. They removed the XXXX from my husbands report as chapter XXXX when it was reaffirmed with the company. They are idiots and I can not seem to get them to correct it even with the copy showing what was involved. There was no open loans. Only credit cards and collection items. They even screwed me on the one open account I had and they were not even mentioned in the chapter XXXX. HELP ... ... how do we get them to report it right?

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 2018-06-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: MD

Complaint narrative:
I have about 11 accounts XXXX with 3 late payments on each for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I  called and deferred these loans several times, and was told each time that the late payments would be deleted since they were deferred. On top of that, they referenced a form they would mail in regards to this, but was never received. Now I have 3 late payments across 11 or so different loans and it has significant damaged my credit, all because XXXX XXXX did not due as they stated through phone conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: OR

Complaint narrative:
On XX/XX/2018 I received a " pre-qual '' letter from Sovereign Lending Group quoting a {$270000.00} loan, estimated new P & I payment of {$1100.00}. The paragraph under these figures states "... call XXXX... to secure a low fixed rate. '' Since this represents an interest rate of about 2.8 %, I called. The loan representative, XXXX, went through the entire application process, including credit checks for my wife and myself, even after I told him what our current rate is --

3.875 %. After more than 30 minutes on the phone, the rate he finally quoted me was 3.75. I guess I'm old school -- when a letter quotes
a figure, I still assume it's true. Bad mistake! My take on this is, this is a fraudulent bait letter which cost me -- and XXXX -- a lot of wasted time. Shouldn't there be some sanctions on this company?

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I leased a XXXX XXXX BMW for 36 months, at the end of my lease I turned the car in. a few months later I received a bill for {$1100.00}. ( {$350.00} deposition fee, {$150.00} for lost key, and {$600.00} for crack in windshield ). my problem is the {$600.00} for the windshield. When I returned the car I took a video of the car while the employee was taking my plates off. There was no damage to the windshield. I tried to explain to the collection employees who continue to call me. I told them about the video that I had, both employees said it didn't matter. I asked how could a video not be proof? Can you please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Columbia Recovery Group LLC
State: GA

Complaint narrative:
I received a call from " XXXX XXXX '' with this number. Claimed to work for the county. Complete lie, threatening to arrest me etc. I recorded phone call and voicemail.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
Our original mortgage was sold to Lakeview Loan Servicing , LLC ~XX/XX/XXXX. On XX/XX/XXXX Lakeview sent a check from our prepaid escrow account to our local tax collector for {$2500.00}, which was an incorrect amount, and the tax collector sent it back to Lakeview on XX/XX/XXXX and to date Lakeview has failed to pay our XX/XX/XXXX taxes. The first we were made aware of this failure was XX/XX/XXXX when we received a letter from XXXX County Tax bureau informing us our taxes had not been paid. Since that date we have made repeated phone calls to Lakeview with no results. Lakeview has admitted it's their mistake ; they have acknowledged to us they have our XX/XX/XXXX tax money and that they are responsible for all late fees which continue to accrue the XX/XX/XXXX of every month but despite our numerous phone calls, 2-letters from us and 1-from our attorney, they have still not dispersed our money they received last year to correct this problem. We have had customer service reps and supervisors " promise to call us back '' and they have never called us. We feel this company is a fraud, incompetent and essentially they have stolen our escrow tax money. XXXX county has also advised if Lakeview does not pay our XX/XX/XXXX taxes, our property will be added to the tax sale list. Please help us and stop this incompetent company!

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 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinberg Mediation Group LLC
State: WA

Complaint narrative:
Left several messages with the following on our voice mail : " This is a final courtesy call with the Weinburg mediation group. Before reporting that you have been uncooperative with the investigation against you. If we do not hear from either yourself or your legal representation today, we will be left with no other recourse other than to report your non compliance in this issue to the proper jurisdiction. Our office number is XXXX. '' When we spoke to them to let them know that my husband is military so garnishing his wages would be illegal he than cursed at us and said he'd see us in court after they sue us. They've also said that he would need to be at his job the next day because they would be coming to serve him court papers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
On XX/XX/18 I made contact Diversified Consultants to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( DCI ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on DCI 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Credit Protection Association, LP is attempting to collect on a disputed bill from XXXX XXXX. I have been in contact with XXXX and the FCC regarding this matter for several months. Nonetheless, in spite of the amount being disputed XXXX placed the account with this agency. The agency was previously notified that the amount is disputed.

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 2018-06-13 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: TX

Complaint narrative:
In XX/XX/XXXX I became aware that a creditor on a loan I recently paid off, XXXX XXXX, reported me 120+ days late the next month on my Transunion report. This was a surprise to me, as I had a good payment history with this company and had paid the loan off early on XX/XX/XXXX. They had even sent me a Paid In Full letter on XX/XX/XXXX thanking me for being a good customer, having a positive payment history, and inviting me to apply for a loan in the future. I never received any communication from XXXX XXXX that anything was wrong with my account. My Transunion report prior to XX/XX/XXXX reflected the accurate positive payment history I've always had with this creditor. On XX/XX/XXXX I mailed a dispute to Transunion via Certified Mail Return Receipt requesting investigation into these errors. I sent a cover letter, a copy of my credit report with the errors circled, bank statements showing full on time payments for the months in question, bank statement showing the final early payment in XX/XX/XXXX, and a copy of the Paid In Full Letter from XXXX XXXX dated XXXX to support my request ( all uploaded for your review ). 

I just received the results of my investigation today XX/XX/XXXX via mail. The errors were only partially corrected, despite providing documentation of my positive payment history. The report now reflects disputed information updated : Pay Status remained " Account 120+ days past due date '', late monthly payments were removed in the monthly detail now showing OK, balances were changed to {$0.00}, Last Payment Made shows XX/XX/XXXX, and a notation under the date closed on XX/XX/XXXX stating " Maximum Delinquency of 120 days in XX/XX/XXXX ''. 

The results from this investigation do not make logical sense. I did not make my final payment on XX/XX/XXXX, but rather on XX/XX/XXXX. How is it possible that the monthly detail shows on time payments, but then the Pay Status reflects 120 days past due which contradicts the monthly detail? How can there be a note stating " Maximum Delinquency of 120 days in XX/XX/XXXX '' with my monthly detail showing on time payments? I do not understand how this information can be verified as accurate when I have provided upfront documentation demonstrating otherwise. Please help me make sense of this. I am a retired XXXX veteran living on XXXX ; my credit rating is essential to my quality of life. These changes Transunion has " verified '' as accurate have destroyed my credit and negatively affect my quality of life. I respectfully request that your agency investigate this matter on my behalf. Thank you.

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 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Mr. Cooper Mortgage Company closed my escrow account on XX/XX/XXXX. On XX/XX/XXXX, I requested a final escrow statement through the date of closing. Mr. Cooper did not provide the requested statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
I filed Chapter XXXX in XX/XX/XXXX, and HDFS was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Purpose of this complaint is to show the intentional act by XXXX XXXX to damage and cause harm to my credit. 

XX/XX/XXXX on Experian, and XXXX XXXX. stop reporting my payments causing my credit score to drop. 

XX/XX/XXXX due to a family emergency i arranged to make monthly payment 30 days late this timeframe was for two months, XXXX. reports XXXX, XXXX, XXXX and XXXX late, the issue is XXXX and XXXX are incorrect they reported 60 day late for XXXX and XXXX needs to be changed to 30 days late. I have my bank statements. 

XX/XX/XXXX to XX/XX/XXXX i struggled with XXXX. to modify my mortgage, they refused payments and passed me to multiple agents. Then start the process over again and again. They placed my home in foreclose and this process allowed them to add additional fees coercion me under duress to accept the unlawful fees in order to keep my home. 

Currently my credit report reflects a very unlawful status and its out of my control. I am asking for your assistance in correction this matter.

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 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Opened an account with capital one but they are claiming that checks got returned so they froze the money i did have in there and closed my account n access i neef to pay bills and the checks the tslk about i didnt do them..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: MO

Complaint narrative:
I contacted the 3rd party Factor Trust an requested my files frozen XX/XX/18 due to identity theft by fax, I also sent a copy of my lease & drivers license as I did all companies on the same day. the fax was received confirmation # XXXX. I received a letter from Factor Trust requesting another copy of my id & social security number. I sent required documents that where accepted on there website. However they still have not froze my files. Which contain inaccurate information, this is a 3rd party & they do not have authorization to share my information. I am requesting this security freeze asap. For this has caused me multiple denials due to the inaccurate reporting they are providing,

Company response to consumer: Closed with explanation