vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-29 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: CO

Complaint narrative:
I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX XXXX offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of XX/XX/XXXX I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. XXXX would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. XXXX needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if XXXX offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Salander Enterprises, LLC
State: WI

Complaint narrative:
My HR Generalist came to speak with me in regards to a letter she received from XXXX XXXX XXXX , XXXX. This letter states that I owe a remaining balance of {$210.00} for interest. I have paid the judgment in full as of my paycheck dated XX/XX/2017. I have in fact paid a total of {$1900.00} ( the judgment total amount was {$1700.00} ). I have never received any notification from this company in regards to anything, including the actual documentation to go to court. I was never given the opportunity to appear in court or dispute anything in regards to this debt. I did allow my wages to be garnished because I was unaware that I could dispute it. I do not believe I owe them any further monies. The only reason I am aware of this is because my HR brought it to my attention. I do have documentation showing the amount that was to be garnished from my wages ( showing {$1700.00} ), I have documentation showing the amount taken from wages ( {$1900.00} ), & I have a copy of the emailed to my company requesting an additional {$210.00} if needed. I do no have any documents that were send to me because they have not sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In   XX/XX/XXXX  I contacted Chase and expressed some financial difficulty and attempted to resolve with partial payments, future payments to be electronically set up, etc. I was told that no options were available to me until I was in default. I continued to be in contact with Chase over the course of  XX/XX/XXXX  and  XX/XX/XXXX  attempting to resolve the situation and not have any derogatory remarks reported to my credit. I had a sum of funds coming to me in  XX/XX/XXXX  and knew I could pay the remainders of the payments all at one time. Chase would not work any resolution with me. By the time I was in default per their terms, the payments were paid in full in the sum of {$5900.00} in  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I called Transunion In  XXXX   2017  concerning this dispute -- the representative transferred me to a supervisor who was very rude and disrespectful. First of all there is no one there that can speak  XXXX  which I felt was a huge barrier and caused our issues. I did not get my point across to explaining my case. I have been trying since  XXXX   2017  to dispute this case contacting the clerk of court and they clearly stated who this account belongs to, Transunion would not tell me what  3rd company they verifed this information thru and as you can see I have a freezes on all these 3rd par ty compainies and I just want proof from them this is my account because the clerk of court says they do not even verify that type of information anyway. My call with this company was an epic fail.

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 2017-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company.They have not provided me with documentation showing any type of agreement between myself and Barclays Bank DE. I requested a copy of any and all agreements to validate this collection/debit and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. I have attached a copies of my letter to them, FTC Opinion Letter, their response. Please be advised that the copy of the response you see from them is why they continue to send me over and over again, ignoring request of other information.

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 2017-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX 2013 XXXX Volunteer repo Lose my job and I told them come and get it the the lady told me it will not be on my credit and I see that was I lie and keep calling me tell me it 's going to damage my credit and I see as if today they sold it to other lender

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I was looking at my credit report and I noticed there was a car loan that was closed and never been paid this was very heartbreaking to see knowing that I have never had any type of car loans in my life and the only credit report that it showing on is my XXXX this is not showing on any other report now that I investigate deeply I am seeing a lot of things on my report that is fraudulent and as a result in identity theft I have communicated with the Creditor Westlake Financial to take this off my credit they said they will try to put a request in the address they have is not the same address is on file where I live at please have them remove this fraudulent activity off my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: TN

Complaint narrative:
We originally had an FHA loan obtained in XX/XX/XXXX serviced by XXXX XXXX XXXX with a payment that we made the first of every month without fail. We were contacted in XX/XX/XXXX to refinance for a lower interest rate by First Guaranty. In XX/XX/XXXX of this year we were notified that our mortgage payment would increase by roughly {$370.00} per month due to an escrow shortage. As it turns out, we were never instructed to pay the refunded insurance payment back into escrow at closing with First Guaranty. Additionally, our principal payment increased from {$240.00} per month to {$280.00} per month after the refinance. <P/>We have paid {$600.00} back into our escrow and now our payment is roughly {$250.00} more per month. First Guaranty used misleading and deceptive practices, and as result we have A HIGHER PRINCIPAL BALANCE, A HIGHER MONTHLY PAYMENT FOR 12 MONTHS, AND MINIMAL SAVINGS THEREAFTER. This refinance was actually punishment for paying our mortgage on time.

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 2017-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
The car was totaled, and gap insurance was purchased on the car. The balanced was XXXX out. There is no amount due. Account is currently showing up as derogatory and closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I sent a letter to XXXX XXXX XXXX XXXX explaining that I do not owe them {$610.00}. Te company misrepresented the amount that would be due monthly. The charges are excessive, inflated and I have returned all of their equipment. I contacted XXXX XXXX XXXX XXXX on numerous occassions to complain that my bill was not the same rate month to month. Sometimes, I would get credited after speaking with a representative. I do not owe XXXX XXXX XXXX XXXX any money. I have been a loyal customer to XXXX XXXX XXXX for nearly a decade ( phone service ). I am really upset with how they run business in relation to the cable network. 
I do n't owe them anything.

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 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA

Complaint narrative:
Bayview loan servicing is using a delay tactics to provent the transfering of mortgage loan to the XXXX XXXX XXXX 's XXXX XXXX XXXX. credit union requested payout of loan number -XXXX-they said they could not send it until XX/XX/XXXX. XXXX XXXX XXXX 's XXXX XXXX XXXX also reqused the verfaction of mortgage they are also saying they can not send until XX/XX/XXXX. This is a delay tactic and it is not necessary to take that long. <P/><P/>The XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: MI

Complaint narrative:
I 'm trying to buy a home. Equifax has not published my credit score. They claim it to be an internal problem. I have been waiting since  XXXX   XXXX ,2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I am writing to complain about an insane marketing practice. I received a check in the mail from " Mariner 's Finance. '' It was a check for {$3500.00} made out to me that I could cash. It had a finance charge of {$1700.00} and I think 26 % interest. I was really upset that they could advertise like that, it seems incredibly predatory. It is an easy way for someone in a pinch to get money, but the terms are unbelievably horrendous. I do n't know whether this is legal but I hope it is n't and Mariner Bank is stopped. If it is legal I hope my outrage keeps others from falling for this predatory tactic.

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 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax improperly re-inserted an account into my credit file without notifying me. I had disputed an account with XXXX XXXX XXXX 11 months ago and Equifax removed this account from my credit file, but then about 6 months ago they improperly reinserted the account without the notification required by law. I have since then attempted to get this improperly reinserted account removed from my credit file, but they have refused to do so. The account number is XXXX Balance {$3300.00}. This is not my account and I have provided Equifax with a police report, Identity Theft Affidavit, driver 's license, and my social security as I was supposed to do, and they have refused to act. It is a violation of the FCRA that they reinserted this fraudulent account into my credit report. I did not open this account and this account in no way belongs to me. <P/>Equifax also has my credit file mixed with ( 2 ) other peoples credit report and they have been made aware of this multiple times, however they refuse to separate the 3 files, I have many accounts on my credit file that do not belong to me. I have been able to determine that the accounts that Equifax has on my credit file belong to XXXX XXXX, and another individual named XXXX XXXX. Equifax has refused to resolve this matter. <P/>The following accounts do not belong to me and are not even under my social security number they are under a totally different persons, yet Equifax continues to report these accounts as belonging to me, and these accounts are as follows : XXXX XXXX XXXX Account Number XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX not mine not my social security number XXXX XXXX  XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX Not mine not under my social security number XXXX XXXX XXXX XXXX XXXX XXXX fraudulent account that was improperly reinserted after Equifax deleted. <P/><P/><P/>Fraudulent Inquires or Belong to someone else XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX  XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XXXX XX/XX/XXXX ( Not mine fraudulent )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loancare a XXXX company, have failed to pay my property taxes on my impound account. I contacted them back in XX/XX/XXXX, no resolution as of today.

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 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have repeatedly asked TransUnion to investigate the collection agency  XXXX   XXXX   XXXX . They have placed a delinquent  XXXX  and a half year old account on my credit report and list the original creditor as  XXXX   XXXX .   XXXX  This account is inaccurate because I did NOT own ANY  XXXX   XXXX  account 4 years ago ; I attained my first  XXXX   XXXX  account last year --  XXXX   XXXX  can confirm this. In addition, the account was not in collectionsstill isnt listed on the other credit bureausuntil after my first submission of request to investigate i n  XX/XX/XXXX / XX/XX/XXXX  ;  this account was then upgraded to in collections status. Moreover, it appears that information from my original letter to TransUnion was used to adjust the estimated removal date. To my understanding, manipulation of credit information to secure debt on bureau reports is a violation of the Fair Credit Reporting Act.

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 2017-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
This is a followup to case XXXX which Sallie Mae responded to and you closed without input from me. Their response was misleading and downright false. I replied with this feedback, thinking it would reopen the case. I have now learned that I must submit a new complaint, which is somewhat confounding. I have consolidated my loan with another company since Sallie Mae engages in dishonest practices. Here is the content of my feedback to the initial complaint : " I have verified with XXXX XXXX from Sallie Mae 's legal department that NO FIXED RATE OPTION WAS GIVEN DURING MY APPLICATION PROCESS. XXXX XXXX claims that my school ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) was the reason that I did n't have the option, that the school only allows them to offer Variable Rate Loans. According to XXXX XXXX at XXXX, this is false. Logic also dictates that this is completely false. The school has no control over my private loan. I have no idea why XXXX XXXX would tell me such a fabrication but I 've contacted my state rep and Senators and plan to introduce legislation to outlaw this type of corruption and banks taking advantage of students. To repeat : XXXX XXXX from Sallie Mae 's legal department confirmed to me in a telephone conversation on XXXX XXXX, 2017 that I was never offered a fixed rate and said the reason was because my school ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not allow Sallie Mae to give students fixed rate loans. XXXX XXXX with the Financial Aid dept at XXXX disputed this in a phone call on the same date. " We have no control over it. It 's a private loan. That does not make any sense '' was her exact quote. I have attached screen caps from a new loan application for XXXX to show that the type of loan ( fixed rate or variable rate ) is never offered. Thank you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On  XXXX / XXXX / 2017  around  XXXX   XXXX  I calle d Chase Credit Cards to request a confirmation of the expiration date of the 0 % interest on the amount borrow ed. I was provided such information :  XXXX / XXXX / 2017 . Consequently I asked what the pay-off amount would be at that date assuming I would continue to make the minimum payments until the n ( Chase already charge me the interest upfront and called it a transfer fee ).  The representative transfer the call to  XXXX   XXXX  TX to a supervisor named  XXXX   XXXX   XXXX  refuse to provide such information and suggested I call back in    XXXX    2017  to obtain the pay off amount. I intend to set the minimum payments in automatic bill pay through my bank and to pay the final pay off amount in the same fashion. I believe tha t Chase refused hoping I will be late on my payments with the expectation of collecting related fines and fees. Please have someone at Chase c all me back with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Back in XX/XX/XXXX I requested a {$2900.00} Balance Transfer be made to XXXX 's. <P/>I have been advised that this payment has been made to XXXX 's but they state that this payment has n't been made or at least not posted to my account ending in XXXX. <P/>I have requested on several occasions a copy of the payment so that I may forward this to XXXX 's to get this cleared up. <P/>It has been 4 almost 5 months and nothing but I am being charged this amount on my monthly statement as having been paid. <P/>I need to show proof to XXXX 's so they can get this payment posted and fees adjusted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Number has been repeatedly calling my parents land and cell phones daily for the past 2-3 months, including today. I have never used their phone numbers on any applications, or provided them as a method of reaching me. Company is harassing them to reach me when they were never listed on any information provided in original 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 explanation