vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aura Mortgage Advisors LLC
State: MA

Complaint narrative:
Im having issues about finding out about my 45 % of shared appreciation that I owe my bank even after 30 years paying off my mortgage. Back in 2013 when I couldnt get loan modification from my previous bank and I fall in foreclosure, XXXX XXXX XXXX offer to purchase my house at the market and sell it back to me for 20 % more, I assume that was that profit, I dont recall shared appreciation cost was discuss, its possible but dont remember as I was so desperate to stay in my home with my family. The interest rate is 6.375 %, it will never go down because they dont have refinance options and if u try to sale or refinance thats when u get charge shared appreciation fee and even after 30 years paying your mortgage off u still get charge shared appreciation on what your house it worth so which mean u paying a 30 years rent with no benefits. When I find out about it, they told me that I will get some credit for works that was done in the house then it was no credit, it just nonsense, taking advantage of people on their lowest is just wrong wrong. Hopefully u could help please because I really dont think is fair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. Santanter has not responded or provided any type of documentation supporting this account. 

Also this account is reporting every month negatively on my report dropping my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX  XXXX   XXXX/XXXX  Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: IL

Complaint narrative:
In XX/XX/XXXX, XXXX and XXXX XXXX applied for a Discover Student Loan for the amount of {$36000.00} for tuition for the XXXX XXXX XXXX at XXXX. The amount was to be used to pay tuition and costs for the XX/XX/XXXX-XX/XX/XXXXschool year, in the amount of {$18000.00} per semester at the interest rate of 7.99 %. 

XXXX is the student, and XXXX is the parent-cosigner for the loan. 

At the time of the first disbursement of the loan, the XXXX XXXX XXXX Office of Financial Aid informed XXXX XXXX that the loan was only certified for {$18000.00} for the year, instead of the originally approved {$36000.00}. XXXX XXXX contacted Discover and informed them about the problem. 

Discover asked to have the University re-certify the loan in the amount of {$36000.00}. 

XXXX XXXX contacted the University 's Office of Financial Aid to inform them of the problem. On XX/XX/2018, the University 's Senior Financial Aid Administrator,  XXXX XXXX XXXX, sent XXXX XXXX an email, confirming that the University had sent the required notification, certifying the original {$36000.00} amount of the loan request, and verifying that the above amount needed to be split between the fall and spring semesters. 

An email from the University 's Senior Financial Aid Administrator, XXXX XXXX XXXX is provided below, for your reference. 

Immediately thereafter, XXXX XXXX contacted Discover, and they verified over the phone that they received the email, and that the problem was resolved. 

On or around XX/XX/2018, XXXX XXXX contacted Discover to verify that the loan would disburse as previously agreed. Discover reported that there was no disbursement pending, and that the loan closed out at the amount of {$18000.00}, and was not available for the 2nd semester of school tuition. 

Discover suggested that my XXXX and XXXX XXXX apply for a new loan, which was done The new loan for the second semester came back at the interest rate of 9.240 %, instead of the original 7.99 % interest rate. 

Discover has made the error with the disbursement. The University did correct Discover 's mistake, and did certify the correct amount for the loan, and that it was to disburse for 2 semesters. I ask that Discover be held to its originally agreed interest rate of 7.99 %, and should not be allowed to profit for the mistake it made. 

XXXX and XXXX XXXX would be grateful for any assistance you can provide. 

XXXX XXXX, Student at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Father of XXXX and guarantor of the loan *** A copy of XX/XX/2018 email from Senior Financial Aid Administrator, XXXX XXXX XXXX of the XXXX XXXX XXXX is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian provided information to the lender " XXXX XXXX. '' While applying for a credit card. I was denied credit based on " an alert '' in my Experian report. I was not contacted by XXXX XXXX, nor Experian to idenify myself or actually checked. My credit was run, and I was instantly denied without any further actions by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I do not have a complaint with Trans Union directly, but in the past few months I gave proof that the XXXX XXXX XXXX card that was on my Trans Union report was the sole responsibility of my husband, and that I was only an authorized signer. I wanted XXXX XXXX XXXX to remove this account on all three credit reporting agencies, of which the account was deleted on XXXX and XXXX   respectfully. I respectfully request that Trans Union follow through with XXXX XXXX XXXX and delete their account reference immediately as per the XX/XX/2018 letter in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This is a follow-up to Complaint Number XXXX.

Nationstar 's response to the above-referenced complaint CONCEALED the existence of the mysterious {$60000.00} withdrawal ( see attached, pages 1 and 2 ), and the fact that XXXX ( as trustee ) was overpaid ( according to its own reports ) by {$25000.00} ( see attached, page 3 ).

The response also confirmed that Nationstar charged me a {$110000.00} undocumented " corporate advance '' plus {$180000.00} interest ON TOP OF the unpaid interest that was automatically added to the principal pursuant to the terms of my loan agreement ( see attached, page 4 ).

Nationstar 's falsified documents constituted a fraud on the court, and damaging me by {$380000.00} which amount I will seek to recover through an independent lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I was denied a loan by XXXX XXXX XXXX after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I paid XXXX XXXX on the loan, had paid in full many loans with XXXX XXXX. 
Had called XXXX XXXX for a settlement ; he said he was waiting for a figure from his supervisor XXXX XXXX. No letters to collect were ever sent to me. 

On XXXX-2018 XXXX XXXX arranged to have my XXXX XXXX repossessed. 
When doing so XXXX XXXX 's repo company/vendor with XXXX caused destruction toward my vehicle and stole items out of it. 

XXXX XXXX will not take responsibility for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was denied a loan by XXXX XXXX XXXX after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were Transunion and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was denied a loan by Goldman Sachs Bank after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
I signed up for this card back in XXXX in store and in XXXX a year later I lost the card and I have not bought anything from the store since. Around XXXX or XXXX of this year I paid the balance off in full and I have tried to apply for a home. The mortgage lender told me I had a collections account still on my credit from XXXX XXXX. I told them I paid the balance and provided the letter of payment from the military star. After talking with the broker I looked at the copy of my credit report to find that military star has been fraudulently pushing the date of delinquency by changing the information reported to the bureaus. XXXX XXXX is first reporting that the current status of the account is in collections/charge-off state. Second they report that I was late 5 times over 90+ days late but you do not find that information anywhere in my payment history on my XXXX  report, but on my XXXX report they do not report me being late and do not display any payment history at all as if I went straight to collections when I opened the account. On my XXXX report they also still have the current status of the account listed in the charge-off /collection state which is not accurate. Not only is XXXX XXXX reporting false information but they are not consistently reporting the information, and they are " Re-aging '' the account by changing the date of first delinquency. I have attached the paid in full letter from XXXX XXXX showing that the account should be listed as paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: Sequoia Financial Services
State: CA

Complaint narrative:
I had moved from XXXX to XXXX and I never received the Bill.

I already had talked to the customer service and they promised to remove from collection Sequia Financial Services Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: Designed Receivable Solutions, Inc.
State: WA

Complaint narrative:
In XXXX, XXXX, I went to my credit bureau to request a home improvement loan. I was denied because they told me I had an unpaid debt to a hospital for over {$6000.00}. I was shocked and asked who to contact and how to take care of this. I spoke to a credit reporting agency which gave me the information to call to straighten this out. I pay my bills and have never had an unpaid bill. I spoke with someone at Designed Receivable Solutions and was told that the original debt was incurred in XXXX of XXXX to a hospital in XXXX XXXX, CA. I was indeed hospitalized at that time and prodded for more information. Apparently, the hospital turned over my information in XXXX of XXXX and it was incurring interest ever since. I had no idea this bill existed. I never received a bill. Designed Receivables admitted that they had several bills returned to them and that they didn't have a working phone number for me. They had used 2 addresses in California where I have never lived. They had one phone number that I haven't used in many years and another phone number ( in California that I had never heard of ). I admitted that I had been hospitalized in that hospital but I had paid bills and didn't have anything outstanding. The women I spoke to were very rude and accused me of lying and trying to get out of a debt that I knew I had. I told them, I would pay the principal, but I was not going to pay interest on a bill that I did not know existed. They refused to work with me. I disputed the charge stating fraud and my credit card removed the charge. I spoke with a supervisor who was very upset with me. Again, I was accused of lying and trying to get out of a debt. That is not my character. I am refusing to pay interest on a debt that I did not know existed and they admit that they could never get ahold of me. I told them that it wouldn't be very hard ( especially, with their systems ) and that I have lived in the same area for 26 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX, Chapter XXXX Bankruptcy Dismissed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. XXXX has not responded or provided any type of documentation supporting this account.

Also this account is reporting every month negatively on my report dropping my 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