vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: TX

Complaint narrative:
The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Lease w  as opened fraudulently using my personal information. Reporting inaccurate information to credit reporting agencies. I have advised Toyota Motor Credit that a lease that is showing up on my credit report is fraudulent and does not belong to me. There is a long track record of me notifying them that this is not my account. I have advised the credit bureaus directly as well as the lease company. There have been multiple FCRA and FDCPA violations both in part of the creditor and the credit bureau. My letters to the creditor have been ignored and no attempt at resolution has been made by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I opened an account ( residential account ) with XXXX XXXX XXXX XXXX ( known today as " XXXX '' ) in XX/XX/XXXX. I personally went to this company and closed the account in XX/XX/XXXX ( I am attaching evidence ). During the last years, this account appeared in my XXXX credit report in the " Closed Accounts '' section until it was removed from my XXXX credit report. Recently ( since XX/XX/XXXX ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with XXXX along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately, XXXX did not accept this evidence so as to remove this account from my credit history. I called again to XXXX and they asked me for another kind of letter ( Credit Correction Letter ). Then I called again to XXXX and they informed me that they " will '' send a Credit Correction Letter. Originally XXXX informed me they sent the letter but they did not. Attached you will find evidence that I went personally to XXXX in XX/XX/XXXX to ask for a letter as an evidence that this account was closed in XX/XX/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 2017-05-22 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I opened an account ( residential account ) with  XXXX   XXXX   XXXX   XXXX   XXXX  known today as "  XXXX  ''  XXXX  in  XXXX . I personally went to this company and closed the account in  XXXX  ( I am attaching evidence ). During the last years, this account appeared in my   XXXX    credit report in the "  Closed  Accounts '' section until it was removed from my  XXXX  credit report. Recently ( since  XXXX   XXXX  ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with   XXXX    along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately,  XXXX  did not accept this evidence so as to remove this account from my credit history. I called again to  XXXX  and they asked me for another kind of letter  XXXX   Credit Correction Letter   XXXX . Then I called again to  XXXX  and they informed me that they " will '' send a  Credit Correction Letter . Originally  XXXX  informed me they sent the letter but they did not. Attached you will find evidence that I went personally to  XXXX  in  XXXX  to ask for a letter as an evidence that this account was closed in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Hello, to whom it may concern I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina to purchase an car, I was approval for an XXXX XXXX XXXX with 230,000 miles, I understood that the mileage was high, I was ok with that because at the time the car did n't show any sign of ware. As the months went by, I begin to notice problems with the front end and the car would roll back on hills without been in reverse. So inXX/2016 I decided after driving the car for one year and making payments on time, I tried to trade the car I for a new model with less mileage, I went to XXXX XXXX to try to trade their car for a new model with less mileage no assisted me, so I went to another car and approval forXXXX car with 17,000, and they would only give me XXXX dollar for the XXXX XXXX because they pull the XXXX and it showed that the XXXX XXXX had been in 2 reported front end accident, WHICH XXXX XXXX DID ADVISED ME OF, I was told that they are suppose to tell you about any accident which they did n't, I understand car are sold as is however they must tell you about the accident, now I understand the frond end problems this care is giving me, and why I cant get at ast a good trade in on this care, I DONT FEEL I SHOULD PAY ANOTHER DIME ON THE DAMAGE CAR, AND XXXX XXXX SHOULD SEND American credit acceptance the balance .XXXX XXXX XXXX XXXX-vin XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
After  graduating  from  XXXX , Navient was supposed to consolidate my loans, they did n't. I agreed to auto payments until they took multiple payments monthly and then send delinquency notices.  XXXX  returned {$1800.00} t hat Navient had  no record. After draining my bank account I cancelled auto payment. Then  XXXX  took over my loans. While on  IBR  my payment jumped from {$70.00} to {$270.00} because my income increa sed $    XXXX  . I 'm terrified to submit my    2016  taxes because my income doubled. A rep from   XXXX   XXXX    said the DOE terms are payments are based off gross pay. I went to the site and they lied. Despite making payments,   XXXX   was STEALING from my savings. I cancelled auto pay  X /2016 but they kept stealing. I had to call my bank and make sure  XXXX  ca n't auto debit. Ive tried to disput e $    XXXX    pa id to  XXXX  because they did n't provide the program I was adamant from the beginning I wanted and I have NO degree. I try to repay, these loan providers make it nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I made a purchase on  XXXX / XXXX / 17  with  PayPal and chose the pay after delivery option. I had the money but with the seller wanted the assurance that the item would come. At the same time I was moving bank accounts to a new account. Reaching out to PayPal was futile and they restricted and locked my account. I told them not to charge the old bank but to charge the new one. They did n't listen and ended up overdrafting my account. They told me there was nothing they could do and I had to talk with my bank. I just want to pay for my item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I placed  a 90-day ale rt on all  XXXX  credit bureaus in  XXXX .     While on signing up for the TransUnion alert, Transunion 's online site asked if I wanted to " lock '' my account. I clicked this feature.     This week, my bank attempted to pull a credit report for completing a credit card application. However, TransUnion is showing an account " freeze ''. When I called TransUnion freeze  XXXX  phone number, they said that I only ha  ve a 90-day alert ( no " freeze '' ) but the online " lock '' will show up as a freeze to others. They directed me to another phone number. Then I was walked through the " unlock '' via online and told to wait 15 minutes.
After 20 minutes, my bank was still unable to access my credit report and TransUnion was requiring a PIN. I called TransUnion again and was transferred or told to call 4 different people, bouncing me between the online TU dept and the Fraud Assistance Dept.
Online TU dept is saying the lock is showing as off and sending me to the Fraud Assistance Dept. The Fraud Assistance Dept insists that any issues from using online lock feature must be solved by the Online TU dept. I 've b  een trying to solve this issue for o ver 2 hour s and bounced between various phone numbers ...  XXXX ,  XXXX ,  XXXX ,  XXXX  ( sent this direction 2 times ), and  XXXX  ... and attempted to talk to a supervisor at th  e Fraud Assistance Dept ( who said he could n't help either because there is no " freeze '' on my account ).
Worst system that I 've ever seen. Worse yet since I have to depend on these credit bureaus to fight off an identity thief attempting to open loans and credit in my name. Curious if I 'd have all these issues if I was willing to pay TransUnion for their service ... sure seems like a play to force victims of id theft to pay TransUnion to avoid staying a victim ( even one to Tra  nsUnion treatment )!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a federal tax lien withdraw from Equifax. My  XXXX  score was  XXXX  I requested and paid for an updated version of my  XXXX  score and it went up  XXXX  points only  XXXX  what 's wrong with that picture a negative item that was paid was removed and it impacted the score practically nothing Are they playing games with the consumers?      XXXX  17  tax lien was removed  XXXX  17  paid for and updated score at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requested m y credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I initiated a mortgage loan on  XXXX / XXXX / XXXX  and the only insurance requirement indicated was for hazard insurance. Since origination, the loan servicing has been transferred twice. At no time did either of the servicing companies state a requirement for any insurance other than hazard insurance. On  XXXX / XXXX / XXXX , Specialized Loan Servicing LLC  ( SLS ), th e current loan servicing company sent a letter stating that windstorm insurance was required. I promptly ordered and paid for a windstorm policy, which became effective  XXXX / XXXX / XXXX . I was further notified by SLS that I was required to have windstorm insurance for the period  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I called and spoke with t he SLS Insurance Center p ersonnel, explaining that there was no indication of requirement for windstorm insurance prior to their letter of  XXXX / XXXX / XXXX . I inquired why a policy was required retroactively. SLS personnel advised that the mortgage required it. SLS then force-placed a windstorm on the property, for the period  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX , and they charged the {$2000.00} premium to my escrow account. I call ed the SLS Insurance Center again and asked that the charge for that premium be removed from my escrow account for the reasons already cited. SLS has refused to remove the premium charge .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
We are being giving the run around by the credit card company Bank of America. We have fraudulent charges againt our account from  XXXX  IL. We were able to get  a BOA e mployee on the phone long enough to look into charge and they removed  XXXX  of the charges not made by us. The problem is that there are several more and no w BOA is  giving us the run around.   We call into BOA several times. Today we called starting at  XXXX  on getting home from work it is  XXXX  and we are still being transferred and dropped. Even when we have tri ed to have them call back it rang our phone for less than a full ring before disconnecting. We have talked with nine people, had their line hang up on us four times. Giving the information that we are challenging to two or three people to have them ask us to wait and then have them hang up on us. I believe that they are practicing a program of discouragement to prevent us from resolving the false charges on our credit c ard.

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 2017-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX XXXX XXXX applied for a student loan with XXXX XXXX to attend XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. She started school, continued her education at the XXXX location, and then began her 800 hour XXXX XXXX in XXXX, XXXX, at XXXX XXXX XXXX XXXX. Where she performed her XXXX with no pay while at the sametime paying her monthly payment of {$25.00} per month to XXXX XXXX. In XX/XX/XXXX, she consolidated her loan with Wells Fargo, the amount of the loan is for {$20000.00} for a 15 year loan. She began her Wells Fargo payments XX/XX/XXXX. She completed her education and XXXX XX/XX/XXXX.  XXXX XXXX XXXX XXXX notified XXXX XXXX of their closing XX/XX/XXXX.  XXXX was not notified. XXXX XXXX disbursed her loan to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX location shortly after her application was approved. The loan was disbursed to a school that she DID NOT ATTEND. Upon recent research we have been notified by both XXXX XXXX and XXXX Department of Education that the XXXX school was not a Title XXXX XXXX. The Wells Fargo loan was consolidated in XX/XX/XXXX without any knowledge of the school closing. XXXX never received any certificate or transcript from her 18 month education at the XXXX location. Without proper documentation to her attendance and graduation and required hours of XXXX XXXX is unable to sit for her registry to obtain XXXX XXXX XXXX XXXX. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX proceeded with a loan that was fraudulent. XXXX XXXX did not do their due diligence in confirming where funds were disbursed and to the schools authenticity. There are no records of any of the graduates from the school preventing all students who paid the tuition unable to peruse their career.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am an XXXX year old woman with failing health I 'm on a fixed income and have tried for many years to do a loan modification with the lender Ocwen they always run me around and always deny it for no legitimate reason I was put in an option arm loan and it only goes up never down I need a fixed loan since I am on a fixed budget. Not an unreasonable request. I have gotten as current as possible with family support, I have been sending in my monthly mortgage on time for over a year and suddenly in XXXX 2017 they stopped cashing my checks and demanding $ XXXX to keep my home, I sent XXXX and XXXXl mortgage payment and they are just holding them and not responding to my constant requests for someone to help me with this situation. I do not want to lose my home I 'm desperate, they are as crooked as they come, very shady practices. The lender is Ocwen Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX my loan number is # XXXX my name is XXXX XXXX Home address XXXX XXXX XXXX XXXX, CA XXXX please help me they are causing me great stress and put an XXXX year old woman in the streets.
My monthly mortgage payment is {$2600.00} it just went up again it 's gone up 3 times in last year alone. I 'm drowning and they do n't care or help me at all, they always have an excuse not to talk to me, they say I need a letter of consent from my lawyer due to my bankruptcy but they asked the judge to be granted immunity from my bankruptcy and it was granted several months ago so they can deal with me direct but say no we need consent from your lawyer my lawyer has sent the consent multiple times, my lawyer XXXX XXXX, phone number XXXX in XXXX, California, they lie and say they have n't received it it 's been very frustrating I 've been trying for too long to correct this issue. All I want is a fixed rate loan so I can pay with peace of mind, the type of loan I 'm in does n't even exist anymore it 's a bogus type of loan.
My phone number is XXXX  thank you for any assistance good luck trying to get legitimate answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Well Fargo refuse to report to credit agencies payments made to account call number of times get same response for pass 6 months going into 7th month as I file this complaint your mediation will be greatly appreciated

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