vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX, a division of Experian, is reporting my motor vehicle as having been in an accident in XX/XX/XXXX in  California. My car left California in XX/XX/XXXX and has never been back. I believe its a mis-entry, and should be the removal of a lien on the vehicle. Experian does not allow for a way to dispute the accuracy of the incorrect information. Here is the incorrect info : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Event Date is date reported to XXXX I am trying to sell the vehicle now but have been unable to do so because of this entry. Its has decreased the value {$7000.00} on valuations.

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 2017-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Confused as to why my loan keeps getting larger. I consolidated my loans and have been paying them regularly since XX/XX/XXXX ( prior I was in a forbearance ) I have paid a total of {$26000.00} since XX/XX/XXXX and a majority of this has been applied to interest only.
loan 0-01 : current balance is {$27000.00}, original amount owed was {$23000.00} and states I will pay a total of {$61000.00} at the end of loan.
loan 0-02 : current balance is {$18000.00}, original amount owed was {$16000.00} and will pay a total of {$42000.00} at the end of the loan.
It is stating I still have a balance of {$46000.00} My statements also show late fees applied on months I paid.
I believe they have lied/cheated or manipulated my loan. It also states my payoff wont be until XX/XX/XXXX. I have been paying extra each month to pay this down. Paying this much in interest is completely ridiculous and I ask for help.
I have an interest rate of 7.875 % and do n't know how this is calculated because how fast my loans have ballooned.
When I calculate my remaining payments it shows for loan 1-01, {$260.00} x 227 months starting XX/XX/XXXX and 1 payment XX/XX/XXXX{$250.00} for loan 1-02, {$180.00} x 227 months and 1 payment XX/XX/XXXX {$170.00} This would have me paying a total of {$100000.00} from XX/XX/XXXX-XX/XX/XXXX as my statement indicates.
How they can say I have a balance of {$46000.00} but when calculated it is {$100000.00} I do not understand and feel I am being ripped off. with the amount I have paid and what they say I will be paying, it is in the area of over {$120000.00} for a loan that was originally {$39000.00} ... I would be paying {$100000.00} in interest?! please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
i have had a student loan for years. I was kicked out of the school because they changed the program hours and I could n't do day hours. I have tried to get the money back but have not been successful. Now the school is closed and I am at a loss. My husband is in the military and Im trying to claim SCRA. Im so tired of this loan. Please help me!!!!
The loan was original amount was XXXX. I now owe XXXX due to late fees and what not.
My loan was through XXXX XXXX Now its with navient. My account number is XXXX. Any help with this would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Funding, L.L.C reported the same debt of {$2600.00} ( A charged-off XXXX Card sold to Midland Funding by XXXX ), as " Collections '' to XXXX Credit on XXXX/XXXX/2016, and then reported it again as " Collections '' to XXXX on XXXX/XXXX/2016.
This debt was then reported as a " New Account '' to XXXX Credit on XXXX/XXXX/2016, and then reported again as a " New Account '' to XXXX on XXXX/XXXX/2016.
I believe Midland Funding is in violation of the Fair Credit Reporting Act as Midlands DID NOT prevent re-aging ( inaccurately changing the date of the first delinguency on a consumer 's account to a later date ), and duplicate reporting.
In addition, I received no written notice of this adverse posting to my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services
State: PA

Complaint narrative:
The North American Credit Services ( NACS ) started contacting me in XXXX 2017. They left a voicemail message, in which they butchered the pronunciation of my name to the point where I thought it was a wrong number. I did not receive any letter communications from them at the time. I called them back in XXXX 2017 - and they had informed me that I had a bill from the Hospital and that they had sent me letters as well. I informed them that I never received any written communication from either the hospital or NACS. They identified that NACS and the hospital both had the wrong address on file. NACS agreed to not contact the Credit Bureaus. I, then, contacted the hospital and informed them that I never received a bill from them ; the hospital identified that they had not sent out any bills to me, prior to involving NACS. The hospital apologized for their mistake and stated that they will email NACS to clarify the mistake.
XXXX/XXXX/17 - NACS sent out a letter in an attempt to collect this paid bill from the hospital.
XXXX/XXXX/17 - I called them to clarify everything. One person informed me that they had already contacted the credit bureau. Another informed me that they had not contacted the credit bureau. Then another person informed me that they did indeed contact the credit bureau but deleted it because of the wrong address issue. I asked for a copy of the retraction letter and they informed me they could send it ; however, they could not admit that this should never have been reported to the credit bureau to begin with, given it was NACS and the hospital 's fault - I had never received the original bill. They refuse to write a retraction letter explaining that I was not at fault for the delinquent bill since I had never received a bill. I informed them that I did not want a retraction letter without a statement saying the credit bureau was incorrectly contacted due to NACS and the hospital using the wrong address to contact me. However, they refused to write a letter. I called their complaint division several times, but the extension does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Orions Management Group, LLC
State: CA

Complaint narrative:
On XXXX/XXXX/17 at about XXXX I received a call from XXXX ( XXXX ) XXXX. The person on the line said this is XXXX from Orion. I asked her if she could provide me with a website address. She was reluctant to give me information. She was very rude, and she said, '' I ca n't do that, XXXX orian you should be able to find it. " She went on to tell me about debt I owed and if I wanted to settle. I told her yes. She put me on hold. The call got disconnected. I called back and again she was very rude. She said, " You hung up on me! I have your credit report right in front of me! You pay no one! You there?! helllooo! Ugh I 'm putting you on hold. '' The call got transferred to another person named XXXX and I did settle the debt with her. She asked me for my work name and phone number. I did n't provide the phone number because I have previously received multiple harassing phone calls. It would be humiliating to receive them at work. This company contacted family members that I do n't speak to. I had a family member call me and ask me if I was being taken to court and being sued because someone by the name of XXXX left a threatening message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My ex boyfriend took out loans with XXXX XXXX ( currently Navient ) and put me down as a co-signer without my knowledge. Navient calls me repeatedly throughout the day even though I have told multiple representatives that I am not making payments on these accounts. They have also told me these deliquesces have been reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank closed account and cancelled by credit grantor in XXXX/2012. Account is showing as " profit & loss '' but is still showing on my credit report. This needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
On XX/XX/XXXX-2017 I, a XXXX US citizen, attempted to take an auto loan through Ally Bank, using my husband, who is a XXXX XXXX XXXX, as my co-signer. I was approved, but d/t my prior bankruptcy my APR was high, but by combining my income with my husbands, I would be able to get a much more favorable APR. The dealership first said that Ally bank was requiring to see a copy of my husbands Social Security card, which I reluctantly submitted, confused because I was not required to submit mine. After that, the dealer then said Ally Bank was requiring my husband to submit his visa and work authorization card. Again, I hesitated, but sent a copy of his XXXX XXXX over. At this point I was getting angry, because in all my life I had never been required to submit my social security card for loan application. The dealer then said Ally bank was not going to accept the XXXX XXXX, and that the work authorization and visa was required.. Although we explained several times, that being a XXXX XXXX XXXX makes those other documents unnecessary. We refused to give any more info at that point, and were subsequently denied. My husband lives, works, pays taxes, and we raise our family here, just like everyone else. My understanding of the law is that its discrimination to demand certain documents from a person who is a minority, but not demand the same from a XXXX who is applying for the exact same thing. It was a degrading and humiliating experience, and I was sure in the moment that there must be a law preventing such treatment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am single XXXX woman who is a victim of the predatory lending practices that Bank of America and Countrywide were found guilty of in XX/XX/XXXX. I have always questioned the business practices of Countrywide from day one and have filed several complaints with then Attorney General XXXX XXXX as well as the CFCB. But my mistake was I did not provided the necessary documentation to assist in my complaint .Since XX/XX/XXXX I have stated that I felt that Countrywide had inflated my appraisal so the they may close on my pay-option-arm loan. The first appraisal on my home was performed on XX/XX/XXXX and the appraisal value stated {$85000.00}. OnXX/XX/XXXX another appraisal was performed and it states the value of the home at {$110000.00}. ( 3 months later the value increased by {$21000.00} ). Both companies that performed the appraisal were hired by Countrywide d/b/a Americas Wholesale Lender. I was not aware that they were supposedly " mortgage broker '' ( as stated in CW response to my XX/XX/XXXXcompliant ). They displayed themselves as someone who was hired/or sent out by Countrywide to perform an appraisal on my home.I fully believe that when loan was transferred /or sold to Bank Of America that they were aware of the fraudulent and deceptive business practices that Countrywide did and my loan was one of the predatory loans that Countrywide was found guilty of and still are performing today ( see attachment scan XXXX ). In XX/XX/XXXX United States Attorneys Office Central District of California reached a settlement with Countrywide for 200,000 XXXX and XXXX borrowers who were placed in subprime loans and charged higher fees. ( see scan XXXX ) Please review, investigate all documentation if additional information is needed please feel free to reach out to me. 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 2017-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
After years of attempting to obtain a loan modification, Selene Finance approved the request for a three month trial modification starting XX/XX/XXXX through XX/XX/XXXX. I made all the payments on time then received the permanent modification which required my ex-husband, XXXX XXXX XXXX to sign the agreement. I called Selene and explained that this loan originated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX, XXXX is not on the note or the mortgage. Also, XXXX does not have the property address for safety reasons which is the entire reason I use a XXXX XXXX so XXXX does not know where to find me.
Selene Finance advised me that XXXX signed the security instrument which means he has rights to the property. This is not the case as I even sent Selene Finance the closing documents from this loan origination that does not reference XXXX ; s name at all and even states not married. I know XXXX only signed a document stating he would not come after the house after the divorce since the county can take a few months to record the divorce documents.
Selene Finance called me back and they are requiring a copy of the complete, filed and recorded divorce decree showing who the property was awarded to. On XX/XX/XXXX, I emailed Selene Finance the attached documents to show XXXX XXXX XXXX has no interest in this subject property. The divorce was finalized XX/XX/XXXXand his whereabouts are unknown:1. Copy of the deed showing XXXX XXXX  only. XXXX XXXX XXXX was never on the deed.
2. Final judgement of divorce showing there was no property to award since XXXX XXXX purchased the property XX/XX/XXXX at the end of the divorce process which was finalizedXX/XX/XXXX. 3. Copy of closing documents at the time of this loan origination showing instructions not including or referencing XXXX XXXX XXXX.
I was told, even after these documents were reviewed onXX/XX/XXXX, XXXX is still required to sign the documents and the loan can not be permanently modified without his signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement. On XX/XX/XXXX, after the purchase was completed, I noticed on XXXX XXXX that I had received three ( 3 ) hard inquiries from this transaction. According to the Transunion details shown on this service, the three ( 3 ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XX/XX/XXXX - Phone call - left a voice message 2. XX/XX/XXXX - Email to XXXX XXXX 3. XX/XX/XXXX - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) : XXXX - Email : 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 2017-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Autovest, L.L.C.
State: FL

Complaint narrative:
I originally had an auto with XXXX XXXX for a XXXX XXXX XXXX. which was transferred to XXXX XXXX XXXX. I have asked Autovest for a break down of fees and have yet to receive. I even asked for a possible settlement but I wanted to see a break down of fees. I did receive a copy of the contract but nothing showing how much the car was sold for or how they came up with their their amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: WA

Complaint narrative:
1 week ago I was locked out of my COINBASE account that is holding {$4000.00} of my money and I have emailed 6 times left 5 messages and tweeted to their support. I 've gotten no responses at all and have found numerous others dealing with the same problems. There is no support and out money is being literally stolen in front of us. This is fraud beyond fraud and some have been waiting months to get into the a account. Also, to email support, you have to sign into the account which you ca n't when locked out. The support number only tells you to email which the posted they do not respond to. This business should not even be running. It 's a XXXX XXXX based company doing this!! I want resolution asap!!!
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX ' client XXXX XXXX is an ID theft victim ; his information was used without his consent to apply for several credit cards. While those applications were denied the applications resulted in an inquiry left on his credit reports. We have notified the card issuer officially with a dispute in writing as outlined by the FCRA however a credit report shows Chase is still reporting the inquiry to XXXX. The fraudulent application was submitted XX/XX/XXXX ; our office started the dispute process XX/XX/XXXX and again XX/XX/XXXX when Chase violated the FCRA and continued to report the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
received mail from Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX mail stated I had applied for a credit card, which is false. This is either a fraudulent application in my name, or a scam by the bank to get me to give them information. The phone number for return calls in the letter is XXXX. It is not possible to speak to a human at that number. The letter does not ask whether I did in fact apply for a credit card. The letter does not provide any route for having the cc application flagged as fraudulent. This is unacceptable.

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 2017-08-07 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:
On XX/XX/XXXX I made an attempt to remove a number of inquiries from my transunion credit profile I did not authorize the companies below to perform. They refused to remove them. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I applied for a loan modification but was denied. The written explanation does not make sense based on the information provided for loan modification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation