vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 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: NC

Complaint narrative:
XXXX XXXX XXXX ( the company that received a no-action letter ) place a fictitious loan on my credit report. I called them, wrote them, sued them ... and obtain a {$10000.00} judgement which they appealed-went to an arbitration where the arbitrator appears to be convinced I did not complain loudly enough to officials. They created the loan with e-signatures-never asking for a valid id ( The Patriot Act may have been ignored ) ... .and I have been fighting for nearly one year to remove them. I went to the police-they said they had no jurisdiction-went to the FTC ... file 13 ... I plan on pursuing all possible remedies including Federal Court. 
The loan was issued using a business address in the State of XXXX-I live in XXXX XXXX ... to a bank in either XXXX  or XXXX-XXXX XXXX. The originator was XXXX-the lender XXXX XXXX XXXX. ( recently cited by the State of XXXX XXXX ). 
I am not sure if I was the only person ... or more people have these phony loans.

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 2018-06-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
Debt was defaulted in XX/XX/XXXX. Discover continues to fraudulently report that I made payments until XX/XX/XXXX, thereby re-aging the accounts and keeping them on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My mortgage was transferred to Mr cooper mortgage company on XX/XX/2018. To this day I am still unable to setup an online account and make a payment or set up auto pay. I have contacted the company at least five times by phone and social media. The first time I contacted them was late XXXX. Mr cooper has done nothing to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: CT

Complaint narrative:
This XXXX XXXX XXXX account is fraudulent it was removed from my credit report by the creditor, and Experian has placed this account back on my report. please remove and block this account from my credit report immediately and permanently. this is causing my a lot of health issues with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$9400.00} Type Installment Loan Payment Status Late

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 2018-06-19 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: ECMC GROUP, INC.
State: CA

Complaint narrative:
Ecmc has reported a 2013 collection that doesn't belong to me and has not been validated

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 2018-06-19 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: DISCOVER BANK
State: PA

Complaint narrative:
A negative charged off account is on my report, i do not recall borrowing from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: MI

Complaint narrative:
" My Great Lakes '' is a federal student loan servicer who services my student loans. I am trying to apply an extra payment to pay-in-full one of my student loans at 6.55 % interest rate ( payment made XX/XX/XXXX, received XX/XX/XXXX, applied XX/XX/XXXX ). However, Great Lakes will only apply the payment first towards any future payment due, and then any extra towards the loan I requested. In the past, I would call and have them adjust this so the payment is only applied to the one loan I wanted to make an extra payment towards - knowing that I have auto-pay set up and I am paid-in-advance ( no payment due for 1+ months beyond current billing cycle ). Great Lakes has changed their policy and are now unable to adjust excess payments to only the loan I request. Due to this, I am still being charged 6.55 % on the loan which should be paid off in full with my payment of {$2500.00} ( loan balance was {$2500.00} at time of payment ), and instead part of that payment is going towards my 3.03 %, 3.15 %, 4.25 %, and 5.35 % loans. Only {$2000.00} was applied to Loan Token XXXX, the remaining {$520.00} was applied towards other loans which are at lower interest rates.This means I am not gaining the benefit of paying off my highest interest rate loan, which means I pay a higher percentage per month in interest than I should be - this is money out of my pocket which they will not reimburse or correct. I do not want money, I only want my payment to be applied correctly, retroactively, only to loan # XXXX as requested multiple times so that it will have a " Paid-in-full '' status. Again, this is a policy change at Great Lakes which is not allowing me to apply a payment only to the one loan I request, where I was fully able to do this previously. This is wasting my money towards undue interest. In addition to multiple emails ( with my latest unanswered for 5 business days ), I called today on XX/XX/XXXX and spoke to XXXX ( employee # XXXX ) and was again told that they could not apply the payment only to my loan token # XXXX - like they have done several times in the past ( redirected an over/excess payment to be applied to only one loan ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: CT

Complaint narrative:
This XXXX XXXX  XXXX account is fraudulent it was removed from my credit report by the creditor, and XXXX  has placed this account back on my report. please remove and block this account from my credit report immediately and permanently. this is causing my a lot of health issues with my XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$9400.00} Type Installment Loan Payment Status Late

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 2018-06-19 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: CA

Complaint narrative:
Received a response from Equifax from my previous complaint # XXXXon XX/XX/XXXX with CFPB stating that the following items would be deleted : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Their response shows that it was deleted from credit file on XX/XX/XXXX. The items still appear on my credit report XX/XX/XXXX and I have not received the updated report they stated they would send and I cant access their website to download disputes. They also stated the results of this dispute was mailed on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 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: NCC Business Services, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX i sent a certified letter to NCC Business Services requested that they validate an account that they put on my credit to the credit bureaus. The letter was delivered and NCC have yet to respond. Per the fair credit ACT they have 30 days to respond or remove the account if they can't validate. This is very damaging to my reputation as a business woman and has hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I was unaware of this collection on my credit until I checked my credit score one day and it was dropped a lot. I looked at my credit report and saw the account on there. I did not know who they were or what they were collecting for. I gave them a call and they told me what it was for and I have not been to XXXX XXXX XXXX. I have never even heard of XXXX XXXX. I would like to dispute this because this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I recently saw a closed charged off account on my report that i don't recall borrowing from the creditor. {$1400.00} is the balance i saw on the account.

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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Around XX/XX/2015 I went to XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, IL to look at engagement rings. A young XXXX haired woman assisted me and asked if she could run my credit score to see how much I could be approved for a loan. After coming back she told me I had great credit and she opened a XXXX XXXX credit card in my name without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: IL

Complaint narrative:
The following account below was closed on XX/XX/2011 has a {$0.00} balance and has past the seven year SOL and should be removed from my credit report. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) 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 explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I went to the ATM at XXXX XXXX XXXX. XX/XX/XXXX to cash a check my friend gave me to pay my rent. The ATM captured my card and never gave it back. I called Bank Of America to inform them of this XX/XX/2018 and a Representative sent me a new card but the same information from my old card. I didnt think much of it but today I went to a different ATM to deposit XXXX dollars and the ATM at XXXX XXXX XXXX captured my new card again. I immediately called Bank of America to try to get a explaination. I got transferred twice before i got a Representative. First i spoke with XXXX from the claims department who issued me out a new card and launched an report then he transferred me to his supervisor who name is also XXXX. XXXX, the supervisor informed me that there was flag on my account from fraud because a merchant was compromised so they flagged my card. He had to transfer me to the fraud department.XXXX  from the fraud department informed me that was not the reason my card was cancelled. She told me she dont know. So in three weeks my card was caputured twice at two different locations and no one seems to know the answer. I could not put money in the bank to cover my fees so my account remained in overdraft. The actual bank time conflicted with my work schedule so i couldnt go in to have this issue resolved. This has been very frustrating.

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 2018-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The State of California law requires an auto loan is 24.9 % my credit report shows that Santander is charging me 27.9 %. My contract with Santander says 25.9 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient has repeatedly XXXX  up my account. On several occasions I have had to call and have them correct the application of the loan amount. They would overpay some loans and leave others as unpaid so they would collect a late fee. The online account never matches what they say you owe and recently they took more than authorized by me automatically from my account. I am extremely displeased and disheartened with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Regarding recently closed complaint XXXX : 1. ) Despite asking to close this account since XX/XX/2018 in the presence of a Wells Fargo Representative at the Wells Fargo location inside of the XXXXXXXX XXXX XXXX XXXX in XXXX Utah, while on the phone with a representative from the Wells Fargo Card Service, Wells Fargo continues to send me notices that I am delinquent on this credit card that was closed months ago. 

2. ) Wells Fargo purposefully took longer than necessary to apply my collateral of {$300.00} to the account to incur more fees and to attempt to put a negative mark on my credit as a penalty for closing my credit card. The collateral was not applied until yesterday, XX/XX/2018, despite requesting this account to be closed on XX/XX/2018. 

3. ) The notice that I was sent this week directly conflicts with what my account says when I log in ( see both attached ). My account currently states that i owe {$16.00} ( which is not true as well ). The letter states that I am in default {$58.00}. Wells Fargo is purposefully being confusing as yet another penalty for closing my credit card. 

4. ) This entire situation was unnecessary and arose from Wells Fargo charging myself a late fee on or before the actual due date of payment on this account. 

5. ) This ongoing issue that I have with Wells Fargo charging my credit card fees that no one would explain and then denying closure of my account repeatedly for several weeks since XX/XX/2018 has caused myself much unnecessary waste of personal time and added stress. Total time lost due to this unnecessary situation is approximately 4 hours to date. 

6. ) It is my belief that Wells Fargo routinely targets low income and credit score disadvantaged individuals with these types of " miscommunications '' and illegal fees as a means to strong-arm credit disadvantaged individuals who are in fear of receiving a bad credit report from Wells Fargo. Wells Fargo also uses this as a means to dissuade these same disadvantaged individuals from closing their accounts. This activity described is both illegal and immoral.

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 2018-06-20 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: TFC Credit Corporation of California
State: CA

Complaint narrative:
Tfc credit has reported two unvalidated accounts that do not belong to me please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MD

Complaint narrative:
We ( My Sister & I : XXXX XXXX-On Deed/Not Loan ) are doing a follow-up as an CFPB associate suggested, and are rendering an amended addendum, based on the neglect and oversight on the previous complaint and comprehensive package, that was sent to your organization, that was either intentionally omitted or ignored via Selene Finance 's response. 
Included in this package is the most recent modification offer that was sent to us ( Pages 1-3 ). 
We accepted the offer and replied within 7 business days ( Pages 4,5 ). 
NOTE : Because of the fact that Selene Finance did not acknowledge that they damaged my sisters credit, nor did they make any mention of repairing the damage until we filed a complaint to your organization ( CFPB ) . I rendered a counter offer for them to consider, due to my being perturbed, and having a feeling of hopelessness, because of the affect it had on my sister 's health ; and the length of time the Derogatory Reporting being in existence, at least 9 months before they ( Selene Finance ) corrected the problem ( See Pages 6,7 ) Derogatory Report ( Pages 8,9 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
My auto loan through Ally Financial was paid numerous times but the company always called trying to collect late fees 2 days after the bill was paid up to date a fee of {$32.00} and then WANTED AN ADDITIONAL {$32.00} LATE FEE BOTH ON THE SAME DAY. tHERE WERE TIMES WHEN i PAID THE LOAN AMOUT AND PAID ADDDITIONAL MONIES BUT 2 DAYS LATER RECEIVED A LETTER STATING THAT A LATE FEE OF {$21.00} was still due. This went on the entire time for the loan. Mostly it was phone calls requesting {$32.00} late fees after the bill was paid up to date two days prior but I did finally receive a notice two days after it was paid requesting additional late fees. I have documented proof of both, additionally these letters and phone calls were generated a few days after the bill was paid. The car was repossed and I tried to pay one payment which Ally would not accept. I feel that I was a victim to a SIMILIAR CASE THAT INVOLVED A MAN NAMED XXXX, WHICH i SAW ON XXXX. wHILE THERE IS PROBABLY NOT TIME TO SAVE MY VEHCLE XXXX XXXX vin #  XXXX, XXXX title # XXXX, lein held by ALLY Financial XXXX XXXX XXXXXXXX, XXXX, XXXX   XXXX. Debt was collected from PO boxes in XXXX, XXXX. I am sharing my stories so that you can prevent other consumers from experiencing fraudulent activity from ALLY Financial. I have documentation that could not be scanned at my local library but will and send in addition. But Ally also has copies that were sent to me, if they are being honest. I will file other complaints and forward documentation to you with the file.I prefer correspondence in writing and duplicates sent via email, I have had numerous problems with my XXXX account and emails disappearing or not sent to my inbox, another complaint for another time. Thank you in advance for your time and attention.

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 2018-06-20 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: CA

Complaint narrative:
XXXX XXXX  has reported two unvalidated accounts that do not belong to me please remove

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