vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AR

Complaint narrative:
I was approved by Vanderbilt Mortgage for a manufactured home loan and my loan office wont return my calls Ive left several voice mails they wouldnt give me her email I had to get it from a XXXX homes employee, she is not responding to my emails Ive sent her home buying assistance application she wont respond Ive even sent out dated application she wont respond. I called XXXX XXXX she wouldnt answer she had them tell me she was on break then they sent me to another loan XXXX who wouldnt help me but told me I dont qualify for a fha but they gave me a conviental loan with high interest high down payment and a high mortgage and no one wants to help me fix it. I am a single parent of XXXX I down have XXXX XXXX just laying around. I thought your supposed to help your clients find the best possible mortgage the best fist time home buying process not just push them to the side cause they dont fit your expectations

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 2017-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I borrowed {$800.00} from Big Picture Loans. Effective loan date XXXX/XXXX/XXXX. I had financial hardship and could not make the biweekly payments. I contacted the company XXXX/XXXX/XXXX to attempt to arrange a reasonable payment plan for the amount I borrowed, but now the loan amount has more than doubled due to interest and fees totaling an additional {$820.00} bringing the loan to an exorbitant amount of {$1600.00}. After reading several complaints on your website, XXXX XXXX XXXX and ripoff report about Big Picture Loans not closing out loans paid and continuing to withdraw funds when loans have met payment obligations, and will not send a payment plan letter or a letter of satisfaction stating the loan paid in full. I am very concerned and reluctant to make any payments on this loan until the issue of the interest and fees can be resolved and obtain the appropriate documentation from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: LA

Complaint narrative:
I have inquiries with equifax that was deleted because, I did not authorize them and no knowledge of some of the companies. Equifax added these inquires back on without any notifications to me and i have tried resolving the issue with Equifax with no success. 

The inquires are listed below : XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX ) * XXXX XXXX XXXX XXXX - ( XXXX ) *XXXX Loan - ( XXXX ) *XXXX XXXX # XXXX ( XXXX ) * XXXX XXXX XXXX ( XXXX ) *XXXX XXXX XXXX XXXX XXXX XXXX *Eagle Louisiana XXXX XXXX XXXX XXXX *XXXX XXXX ( XXXX ) *XXXX XXXX XXXX XXXX XXXX ) *XXXX XXXX, XXXX XXXX XXXX ) *XXXX  XXXX ( XXXX ) * XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX XXXX ) * XXXX  Bank XXXX XXXX ) * XXXX ( XXXX XXXX * XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX - XXXX XXXX XXXX ) * XXXX XXXX XXXX ) * XXXX XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXXl XXXX XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Financial ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial ( XXXX ) * XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX Na. ( XXXX ) * XXXX XXXX XXXX Services ( XXXX ) * XXXX XXXX ( XXXX ) * XXXX  Finance # XXXX ( XXXX ) * XXXX bank XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) * XXXX bank ( XXXX ) *XXXX ( XXXX ) * XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX Louisiana XXXX ( XXXX ) *XXXX XXXX Bank XXXX XXXX XXXX ) *XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 'm writing this grievance in regards to XXXX XXXX XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
SElect Portfolio Servicing has posted the notice of foreclosure and will be held for sale on XXXX/XXXX/XXXX. I called and spoke to the loss mitigation dept to apply for a modification of my XXXX interest only mtg I have paid for 10 years and they claim Im to late to modify my home loan. Their policy states that this must be done 37 days before the date of the sale. This is not what my attorney says nor the State of  Michigan laws, I have to file for this before the sale date of XXXX/XXXX/XXXX. The person at select portfolio servicing says I can only pay in full or get up to XXXX cash for keys. They refuse to help me. My husband has not been able to work much due to a back injury and XXXX XXXX. 
The mortgage company sent me an appraisal of a value of XXXX. I owe XXXX. This home never regained equity. I had to file XXXX in XXXX due to the economy and the career I had. I worked for a Builder for 10 years and my income was XXXX per year, lost my job due to the builder losing everything. However I did go back to work at my old place of employment. My income dropped from the XXXX to XXXX. I have done the best I can to keep my home. 
I have been turned down twice for a modification in the past. They say I dont qualify. This is not a XXXX  XXXX or XXXX XXXX loan. 
I am being refused the option to modify my mortgage.

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 2017-11-11 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: Real Time Group, Inc.
State: TX

Complaint narrative:
I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is XXXX. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been reaching out to the Bureau to remove this issue on my credit report since XXXX XXXX, XXXX on several different occasions up until now XXXX XXXX, XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.

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 2017-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been reaching out to the Bureau to remove this issue on my credit report since XX/XX/XXXX on several different occasions up until now XX/XX/XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: TX

Complaint narrative:
I have been reaching out to the Bureau to remove this issue on my credit report sinceXX/XX/XXXX on several different occasions up until now XX/XX/XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.

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 2017-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is Equifax. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: CA

Complaint narrative:
Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court 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 2017-11-11 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: GA

Complaint narrative:
I 'm writing this grievance in regards to XXXX Bank XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
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 2017-11-11 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I 'm writing this grievance in regards to Barclay Bank XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and Barclay through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. Barclay has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
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 2017-11-11 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: GA

Complaint narrative:
I 'm writing this grievance in regards to XXXX XXXX  XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
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 2017-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I consolidated my XXXX Loans with Fedloan Servicing on XXXX of XXXX. The reason behind this was to work toward the XXXX XXXX XXXX. As of XXXX of XXXX, they stated I had only made XXXX payments toward my XXXX payments, where as I believe that should read XXXX payments. I have never been late nor missed a payment. I called and they stated that I was not paying enough, they are the ones who set up the payment plan. I asked to speak to a supervisor, I was told they would have the supervisor phone me back ; I never received a call back. I then sent a letter, XXXX of XXXX and did not receive a response back. 

The other requirement is that you must work for XXXX consecutive years at a low income school, I have been at the same school for 18 years, which qualifies as a low income school. I am also a " highly qualified '' full-time mathematics teacher in a secondary school. 

I believe I have fulfilled my end of the bargain and my loan should be on its way to be forgiven in XXXX of XXXX, where as they state XXXX. 

I appreciate your time and help regarding this matter. I believe I have covered everything but if I left something out please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: CA

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX XXXX on XXXX. Together with the vehicle lease I also purchased the XXXX XXXX and the XXXX XXXX XXXX plan. However, on XXXX I decided that the XXXX XXXX XXXX plan was not a good plan for me and decided to cancel. I went to XXXX XXXX and officially cancelled the plan with the same financial person that sold me the car. I received the receipt of the cancellation and I was told that the refunded money {$1700.00} would be applied to my account in about XXXX weeks. 
Since then, I have contacted both XXXX XXXX and XXXX XXXX periodically after XXXX weeks had passed to get a status updated and I always received the same response : it is getting processed. 
Well, it has been XXXX weeks now since I cancelled the plan and to this date, the total amount {$1700.00} has not been applied to my account. 
I 'm extremely disappointed with XXXX and the way this issue is being handled. If it was the opposite, with me not paying the monthly payment, they would have already charged me exorbitant late fees as well as potentially taken the car from me by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I deposited {$2500.00} onto Coinbase 's proxy website called XXXX, and they denied me access to their trading platform. This means that I effectively lost the money if they do n't refund it back to me. I tried to contact them several times to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
As of XXXX/XXXX/XXXX your tradeline remain on my account. Please remove ASAP. Never received contract only statements. Requested CONTRACT AND STATEMENTS to properly validate the account. As of XXXX Ive only received statements no contract. Contract was requested in XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
From Equifax credit report :XX/XX/XXXX : XXXX XXXX shows an account status/type of Credit Card with a balance of USD {$1800.00} XX/XX/XXXX : XXXX XXXX shown an account/status type of " Amount in h/c column is credit limit '' of USD XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-11 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: TX

Complaint narrative:
LastXX/XX/XXXX, I had received a letter in the mail from Navient asking that I call to handle something on my account for the coming tax year. When I called, the gentleman I spoke with gave me the good news that my subsidized Stafford loan would be paid off in XX/XX/XXXXof this year ( XX/XX/XXXX ), thus lowering my overall payment by approximately {$50.00}. I remember logging into my account to see this for myself, and sure enough, it was nearly paid off. However, I have noticed the last four months that the balance has increased from that point, and I am still paying on a loan that I was told was nearly entirely paid. Because I can not access past statements and because this was discussed with a Navient employee over the phone, I have no way to prove this. I do n't know what to do, but I know I am being taken advantage of. Please help me uncover the truth so I can get this corrected and so it does not happen to others.

Company response to consumer: Closed with explanation