vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX AUTO LOAN XXXX DAILING THIS ACCOUNT TO ALL CREDIT BUREAUS, ESPECIALLY 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 2017-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: PA

Complaint narrative:
I had no knowledge that my account was in collections or that your company have sold my account to another company for collections .. plus the damage is on my credit report already .. Name : XXXX XXXX Account Number : XXXX Your account was sold to Jefferson Capital. To make a payment or if you have account balance questions you will need to contact Jefferson Capital at XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber XXXX  XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I had a vehicle financed through TD Auto Finance ( formerly Chrysler ). I tried to get them to refinance the loan due to the high payments and me being unemployed at the time. They refused, I took the vehicle to the location that I purchased it from and let them know that they could pick it up form there. The vehicle was auctioned off and the remaining balance was charged off to the tune of {$10000.00} in 2011. Every other month they list the account as Open and add {$20.00} or so dollars to the balance. I have had XXXX XXXX to try to get this corrected and even filed disputes with the credit bureaus. They still add charges to the account. This is the original creditor, they have not sold the debt to a collector and they have made no attempts to contact me. I offered them {$500.00} as a settlement and they would not accept it. They did let me know that the balance is around {$1000.00} when I called them. I just do not understand how they can keep adding to the balance and the account was charged off 6 years ago and they have not attempted to contact me. They have invested no resources into trying to remain in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have had a Home equity loan from Chase Bank since XX/XX/XXXX ( interest only payments until XX/XX/XXXX ). InXX/XX/XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ).
As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to Chase for a loan modification. This process was to say the least, agonizingly slow and laborious.
However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease.
<P/>
But here 's the problem. From XX/XX/XXXX to XX/XX/XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from Chase to come through. When I could I would go to the local branch of Chase and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments.
<P/>
The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current.
<P/>
Now, here 's the rub. It seems that during the 3 month ( XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX) trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XX/XX/XXXXto XX/XX/XXXX but they also reported as late, the trial period payments ( XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX) even though they were made on time.
<P/>
My credit rating has since gone downhill now. I have written to Chase and even contacted the local Chase branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank.
The bank has replied basically saying " Tough luck '' I 'm a XXXX year old XXXX  Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information.
<P/>
I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it.
<P/>
I 'm at a loss!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX IS FAILING TO REPORT MY AUTO LOAN TO ALL BUREAUS EXCEPT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I recently checked my credit report I came a cross a collection agency named Credit system.
I 've reached out to Credit system.
Credit system have no VALIDATION I have not signed anything with credit system ... I need VALIDATION NOT VERIFICATION. If this matter is not resolved and deleted I will be filing a complaint with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bayview Loan Servicing has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). <P/>Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore XXXX XXXX XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XX/XX/XXXX the reason the document was backdated because XXXX XXXX XXXX was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so XXXX XXXX XXXX filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX Pass-Through Trust XXXX is listed in XXXX XXXX XXXX Vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX,  under the name of XXXX XXXX Pass Through Trust XXXX XXXX File No. XXXX Exhibit E Pooling Servicing Agreement stating that trust closed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NIC, Inc.
State: TX

Complaint narrative:
I 've recently checked my credit report and I came across a collection agency name XXXX XXXX XXXX. I never gave XXXX XXXX XXXX permission to have access to my personal information. XXXX XXXX XXXX is VIOLATING HIPPA LAWS. XXXX XXXX XXXX could not send me VALDATAION with My Signature of this account ..
This account is UNVERIFIED ... I need VALIDATION of this account NOT VERIFICATION..
If this account is not deleted asap I 'm going too filed a claim with the BBB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XXXX XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.

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 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.

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 2017-07-10 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: Sierra Holdings LLC
State: GA

Complaint narrative:
On XXXX XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
On XXXX XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have recently been working on repairing my credit and have a collection account on my credit report from National Credit Systems. The account was placed in collections with them on XX/XX/XXXX via XXXX XXXX XXXX. The amount of the alleged debt is {$1400.00} While I do n't agree with the amount, I do know that I left owing a low balance. I had sent a certified letter to have this debt verified and validated and it was received by all three major credit bureaus between XX/XX/XXXX and XX/XX/XXXX but never received validation of the debt. I sent a settlement offer letter via certified mail and it was received by XXXX XXXX on XX/XX/XXXX. As of today, I have not received a response. This derogatory mark is being reported to all three major credit bureaus and is hurting my credit score and is preventing me from securing an apartment for my children and myself. I am asking that this be researched and that they be removed from my credit report, do not contact me in regards to the debt, and that debt be considered as not owed by either former, current, of future parties as all of my attempts to resolve this issue have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was charged a offer draft fee XXXX/2017 on my PNC wallet. I had XXXX to cover the transaction, and PNC failed to withdrawal the amount from a pocket of the wallet and unscrupulously charged me XXXX when in fact I had more than enough to cover the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
I previously filed a complaint against Rushmore through CFPB Case Number XXXX. Rushmore closed the complaint out with a reply, but the reply does n't make sense and leaves all our issues unanswered. <P/>The following are in Rushmore 's own words under quotation that prove that they are not being straightforward : 1 ) The {$44000.00} .. is the amount comprised of thirty-one past due principal payments. ; This amount would need to be added to the current unpaid principal. Obviously, if you add principal payments on top of unpaid principal then you are trying to collect principal twice.
<P/>
2 ) Rushmore advised you that the investor did not approve a modification outright ; Rushmore is unable to provide you with a breakdown of the modification terms because it has not yet been underwritten.. If these are true then we need to wait till the modification review is complete and the modification is definite. Why are you asking me to pay money upfront on a trial stipulation that will not prevent foreclosure? What will so suddenly change after the trial payments? I clearly see this as an attempt to collect money and still force foreclosure.
<P/>
3 ) Rushmore has acted in good faith and is in full compliance with all modification regulations ; At this time, the loan is still in modification review status. How can you be in compliance and still be in modification review status?
<P/>
I need clear written answers to above so Rushmore and I are on the same page with regards to this modification.
<P/>
4 ) IMMEDIATELY : Rushmore needs to immediately send us the check for {$1600.00} so that the roofing contractor can be satisfied. If the roofer puts in a mechanics lien which he is now entitled to put ; the entire modification process will be compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, XXXX XXXX account # XXXX is appearing as a collection. This account is no longer in collection, it has been settled as it says so on the attached credit report. <P/>Please delete the file. <P/>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 2017-07-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pathfinder Credit Services
State: TX

Complaint narrative:
On XXXX XXXX I checked my credit report to find Pathfinder credit services had a collections against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. On XXXX XXXX I requested verification of the debt and account but the business failed to provide any proof. On XXXX XXXX Pathfinder credit services did however report new activity with the account to the aforementioned credit reporting agencies. Considering this business does not have a contract with me for any goods or services nor provided adequate proof, I am not obligated to pay for the alleged debt. Furthermore, I have found that Pathfinder credit services is not authorized to collect in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have had this account XXXX on my credit report for years and I 've always second guessed it because I did n't recall signing up for a student loan being that I was offered a full ride on an academic scholarship. I never received any information about a payment being due for this account until I pulled my credit report and discovered that my credit score was being affected by multiple late payments for this account. Now I finally know the reason why, this student loan does not belong to me! I recently logged on the the Nelnet website to go ahead and bring this account current. This student loan is for XXXX which is a campus that I have not attended and not only that a home address in XXXX XXXX, TX which I have never resided. I am outraged that this information has been added to my credit profile without proper verification of identity. I want this account removed immediately being that this account does not belong to me. I am using consumer finance seeking help to have this inaccurate information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I requested the negative information be removed back in XXXX of XXXX. The company responded and noted in the attachment that the information will remain until XXXX XXXX. As of today XXXX XXXX XXXX, the negative information is still being reported on my credit report.

Company response to consumer: Closed with explanation