vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
On or about, Thursday, XXXX XXXX, 2017, Prestige Financial Services, called and harassed me about making a payment on my car loan. I have spoken with them on numerous occasions about making a payment, and they have continued to harass me. I am certainly feeling the effects of the XXXX XXXX. I am also dealing with issues with my house. I understand where they are coming from, however harassing me is not the correct way to address the issue. I have never missed a payment and if there has ever been an issue, I have remained in contact with them to let them know that I needed an extension or some additional time. This is also not the first time they have called and harassed me about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: MI

Complaint narrative:
Dear Exquifax, I recently received a copy of my Exquifax credit report and I notice there is an unauthorized credit inquiry made by ( insert name of creditor ). I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into the following creditors : XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX.
If you find I was not the one who authorized these inquiries, I ask that it be removed immediately from my  credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. 

If you find that I am in error, then please send me proof of this. 


Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
6 mos. ago, I had looked at my XXXX credit report and found, along with the other 2 major reporting agencies, that someone had been putting bogus and illegal and fraudulent info. on my report. I tried to dispute this with all 3 credit reporting companies and they not only would not remove all the wrong info., what they did remove is now back on and they will not allow me access anymore. I found out by XXXX sending me an updated report the other day. Why are you not correcting this fraud that the credit reporting companies do? Why are they not getting consequences for their actions and ineptitude? Why do they allow anyone more access and changing ability to MY name and report than I have, or am able to do with MY report and name? I can file a suit with the courts myself, but why should I have to? Come on ... ... .make the laws work an stick like you 're supposed to!!!

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 2017-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX bank and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XX/XX/2012 and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is five years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over five years on my file that is incorrect. I have disputed the record and it was not taken off.

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 2017-08-31 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX XXXX and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in 2012 and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is  five years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over five years on my file that is incorrect. I have disputed the record and it was not taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I opened this XXXX XXXX Synchrony Bank credit card back in XX/XX/2013  with only one authorized in store purchase. However, there has been fraud on my account and I attempted to close this account after the resolution. The bank, without authorization, opened my card up again and fraud continued. This has happened many times over the past years and the bank will not officially close my 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
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Our mortgage was supposedly sold from an existing XXXX trust to another trust. 
XXXX XXXX XXXX. i was not notified of this transfer for over 90 days. At that time I requested proof of sale and a certified copy of my note as well as any assignments and or allonges.I have made this request over 5 times and I have never received any notoriety or certified copies of my notes sale.I did find an assignment datedXX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX, however XXXX was a defunct corporation at that time and I feel this is an illegal assignment clouding my mortgage. Specialized Loan Servicing has refused to provide my proof of sale of my mortgage or any substantiation of their right to service and become a debt collector of my note. I believe they as a Collection Company are acting without legal rights or possession of my loan note as the Debt collector. 
I have sent Certified mail requests for my note and all endorsements and continue to not be supplied such.They continue to damage my credit without rights to do so.

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 2017-08-31 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I had been going through a difficult financial situation and had 3 late payments on my XXXX XXXX. A representative from XXXX called and made me the offer to make a payment in full for the entire balance on that day and the late payments would not show up on my credit report. It 's been months later and it 's still showing up on my XXXX, XXXX and XXXX  reports. I 'm in the process of moving and these negative marks can negatively influence my chances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Progressive account # XXXX I am writing to dispute this debt. XXXX XXXX XXXX XXXX XXXX keep calling me in reference to this debt even though I have wrote them a cease and decease letter and request validation ( a written contract bearing my signature to support their alleged debt. I have given them more than 30 days which is the required time by the FDCA. I have not heard back from them. I would like to request an investigation for I have never had any business relationship with this company or the company they represent. I know my rights and I will not hesitate to take all legal necessary steps to protect myself. i am recording all call from this company and keeping a record of all correspondence from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
More than a year ago, my home ( which was an investment property was seized by the Board of Directors in a Lawsuit and Fraud was in question when the Board and the Management Company imposed a XXXX assessment on a 30 unit condo building in which I owned and rented one of the units. I currently have a lawsuit for malpractice against the attorney who handled my case. 
I have no idea who is living in my condo, and it appears that the Board and the Management Company has extended their stay. 
I contacted Bank of America 's Loss Mitigation department, and the Bank refuses to initiate any type of investigation. 
The Bank is neglecting to foreclose so I can get my home off my credit report, and is charging me monthly thousands of dollars to pay a mortgage when I wanted a Mitigation Loss investigator, and my home has been in foreclosure for more than a year. I have made this request several times and the bank refuses to investigate.

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 2017-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have applied for loan cancellation for teachers XX/XX/XXXX. It was denied because it was stated that I attended XXXX University from fall XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I attended XXXX XXXX. XXXX XXXX XXXX University XXXX XX/XX/XXXXreceiving degree in XXXX  XXXX. after retiring in XX/XX/XXXX I was informed last year by Navient loan services my loans could not be consolidated. I sent them documentation pertaining to the amending of the pre XX/XX/XXXX laws concerning XXXX loan forgiveness. My documentations have been denied. But I have been sent loan repayment statements and is expected to pay {$450.00} per month. Last year I qualified for .XXXX  dollars repayment according to my IBR payment. I am XXXX years of age and have worked in both XXXX XXXX and XXXX for XXXX XXXX. I do n't understand what is happening to consumers today. They work for poverty wages and pay their loans also. Why have greedy loan serving company being able to force us to pay until we reach age XXXX before my loan are forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have already paid my loan off in full, but dealing with navient and all there rediculous fees and late payments was a nightmare and super high interest rates that they jacked up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XX/XX/XXXX I received a letter from Senior Vice President XXXX XXXX. Regarding my complaints that I had submitted to the Consumer Financial Protection Bureau ( CFPB ). I did speak with XXXX XXXX regarding my credit card issues and also my credit score. Like I stayed in my LAST complaint. I had spoken with XXXX regarding a small loan and also to consolidate all of my debt including credit card before it was closed to a charge off. I clearly told XXXX XXXX I wanted to go ahead and pay on my balance. The credit union knowingly knew I was a 10 month employee per the original contract. So during the months of XX/XX/XXXX and XX/XX/XXXX I am temporarily unemployed. I have spoken abt this issue more than once. XXXX XXXX may have put notations in the system for internal employees. But what Im addressing is the fact that she did NOT reply to none of my emails except for the email that I demanded her to respond. I also received a call yesterday regarding my car payment which I have never been late until recently after I had submitted a complaint to the CFPB. I made it very clear that I was a 10 month employee with the credit union. The credit union did not take a payment out for the month of XX/XX/XXXX. Which me being a 10 month employee Im not supposed to have a car payment for those two months. I have been In contact with the credit union constantly since XX/XX/XXXX. I spoke with them regarding my vehicle, credit card etc. I spoke with a branch employee earlier this month I was not notified until the XX/XX/XXXX that a payment wasnt made. So now all of a sudden they have that Im a 12 month employee which is not correct. Everything that has been done is retaliation for me complaining to CFPB. The State Employee Credit Union is saying its there procedures to close someones account when they have suffered a loss. But I have been in constant communication with the credit union I stated more than once I had no intentions of not trying to pay off my debt. I also stated that I wanted to consolidate all of my debt into one payment!! This was before my credit card was a charge off. They have been lying to cover there end. I will not stand to be bullied from this financial institution. I have all of the paper work to back up everything that I am saying. And also a witness who went to the credit union with me trying to consolidate all of my debt. XXXX XXXX and also the other branch workers has been very difficult to work with. I have hired a lawyer and I intend to fight this in court!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo was hit again with XXXX in fraud accounts again. I received in the mail on XXXX/XXXX/XXXX a letter from Wells Fargo letting me know about my new account with them. I have attached the pages from the letter for you. I called Wells Fargo three times once on the 26th to tell them that is not me and they told me it is a fraud account. The fraud dept. will contact you on Monday. I called again on Tuesday because they did not call me on Monday and again I was told they are in the process and will contact you on Wednesday. I called Wells Fargo again on Thursday XXXX/XXXX/XXXX still not heard from anyone at the bank. Again Wells Fargo said sorry that they will contact me end of week. The first time I called they gave me a case number # XXXX. I am getting the run around with Wells Fargo and I believe because they are the one 's who opened up this 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 2017-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My home was foreclosed when shortsale reviewing on XX/XX/2017 by SLS ( Specialized Loan Servicing LLC ).

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 2017-08-31 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: AZ

Complaint narrative:
XXXX, Equifax and XXXX credit reporting agencies. I co-signed for a loan in XX/XX/XXXX. for XXXX XXXX The car repossessed in XX/XX/XXXX I contacted XXXX and made an agreement with them to make one large settlement payment of which I did. They agreed to report to the agencies that the account was settled on my end of the loan and they have done so in which they have several times. I have written to all 3 bureaus numerous times with copies showing that I settled the account. It is removed from my report and when my credit report is pulled it pops back up showing I am behind payments and still owe over $ 7K ... XXXX has been very helpful and has sent it to all 3 credit bureaus numerous times since XX/XX/XXXX. My scores are in the XXXX 's because they keep reporting I am behind more than 90 days and still owe XXXX, I am at a loss as to what to do. I can not get to them to remove this this mistake off of my credit bureau. I have been trying for almost 3 years. I have attached the letters from XXXX showing I do not owe them anything. Please please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX, XXXX and Experian credit reporting agencies. I co-signed for a loan in XX/XX/XXXX. for XXXX XXXX The car repossessed in XX/XX/XXXX I contacted XXXX and made an agreement with them to make one large settlement payment of which I did. They agreed to report to the agencies that the account was settled on my end of the loan and they have done so in which they have several times. I have written to all 3 bureaus numerous times with copies showing that I settled the account. It is removed from my report and when my credit report is pulled it pops back up showing I am behind payments and still owe over $ 7K ... XXXX has been very helpful and has sent it to all 3 credit bureaus numerous times since XX/XX/XXXX. My scores are in the XXXX 's because they keep reporting I am behind more than 90 days and still owe XXXX, I am at a loss as to what to do. I can not get to them to remove this this mistake off of my credit bureau. I have been trying for almost 3 years. I have attached the letters from XXXX showing I do not owe them anything. Please please help!

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 2017-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
On XX/XX/2017 I received a letter offering a pre-reporting settlement offer on a credit card debt by a collection agency ( ABR ). Per the letter I had 30 days to dispute the validity of the claim of debt owed. I sent in a letter explaining that this debt had come from identity theft that had happened several years ago and had been cleared up on my credit report. I had asked for proof of ownership of the debt, including but not limited to my driver license number, a signature, or anything else showing this debt to be mine. I did not receive a response back, instead they reported this collection on my credit report with XXXX. This debt had been settled years ago, and removed from my credit report years ago as it was found that several accounts had been used without my authorization. This should have been long ago settled. To see this collection was sold off again and reappearing on my credit report seems to be abuse of credit collection tactics. I complied with writing a letter disputing the claim which should have kept them from being able to report on my credit until this matter was resolved. ABR also included on my credit report that this account was first deliquent XX/XX/2017, thus starting original debt in question, all over. This original debt is nearly 7 years old and took me nearly 3 years to have removed and go through the identity theft process. Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently applied for a XXXX XXXX XXXX in store. I was granted credit and filled out an application and supplied my home address ( XXXX XXXX ). My name and address was verified by the store representative based on my state issued picture id I provided. My card was issued by Comenity Bank and mailed to XXXX. The resident there was kind enough to deliver the misaddressed mail to me XXXX this has been happening frequently ). Comenity Bank disregarded the ( correct ) address used on the application, Comenity Bank then changed the mailing address and mailed the card to the address provided by my credit reports ( wrong ). I also question how they changed my name to a unique blend of my married and maiden names. I have contacted Comenity Bank and allegedly they have corrected the issue ... ... Until they are again supplied incorrect information from my credit reports ... ... It seems to be a vicious circle of constantly evolving incorrect data. 

reference CFPB complaints : XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief