vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
I had a loan with XXXX XXXX where the loan terms were predatory. 

I did business with a car dealer in XX/XX/XXXX in XXXX NY that was shady to say the least. I purchased a {$15000.00} vehicle and gave {$5000.00} as down payment in XX/XX/XXXX. I had to start a new job the following day and rushed through a process that I would normally take my time on. In XX/XX/XXXX without missing a payment of {$450.00} a month for 5 years my loan was still {$14000.00}. Five years of not missing a payment and the loan went down {$500.00}? The dealer kept my deposit and did not put it towards the price of the car. 

I called XXXX XXXX to negotiate a new loan and they declined to help, saying that they would give me a lower payment but only for 6 months. I refused. After 5 years of paying {$450.00} a month I had already paid {$27000.00} on a car worth less than {$15000.00} and XXXX was not willing to negotiate a fair loan. I then asked for a Voluntary surrender of the vehicle and they came and retrieved the car. Later I received a letter from XXXX saying they auctioned the car for a few thousand dollars and I was responsible for the rest. I believe XXXX sold the vehicle for about {$8000.00}. Therefore XXXX collected {$27000.00} worth of payments from me plus {$8000.00} from an auction. Thats {$35000.00} on a car worth less than {$15000.00}. Then sold the debt to a debt collector named NCB Management Services on top of the {$35000.00}. 

Then I get a call from NCB Management Services. I tell them the story and tell them that I don't intend to pay another dime. This was in XX/XX/XXXX. 

Now in XX/XX/XXXX I need to buy a home for my family of 6 and NCB shows a collection on my credit report. I call NCB and tell them clearly that I want to pay this loan off to have the collection deleted from my credit report. I was very clear when I said I will only consider paying more money towards this car if the collection is removed from my credit report. Over the phone the person understood and knew exactly what I needed. I payed {$2000.00} more to settle the debt. 

I made the payment on XX/XX/XXXX and on XX/XX/XXXX the collection is still showing on my credit report. It does show a XXXX balance but my request before agreeing to pay was to have the collection deleted from my credit report. 

It is obvious that I paid XXXX and NCB enough money as to not be punished with this collection on my credit report. NCB used deception to collect this money which continues the same trend from the XXXX loan of negatively affecting my financial status since I will be paying a higher mortgage because NCB did not do what they told me they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
I just got serve Tuesday XX/XX/XXXX unfortunately the papers were delivered to my now XXXX year old daughter papers were not in any kind of envelope, she read and shared with her XXXX year old brothers the forms against me and was crying when I got home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1- I bought a XXXX XXXX XXXX XXXX, In XX/XX/2018 using XXXX. The watch did not work properly, I was concerned because I got it over sea. XXXX, the merchant, and I worked this problem out, and the watch was properly returned in common agreement ( I have all the evidence showing this : emails, returned labels, post office receipts, etc ... ) 2- I initially informed citi double cash of the problem. Even though, I told them the way I made the purchase, they mistakenly took the event as a fraud case. The way the item was paid was through XXXX. XXXX, held the payment for this transaction all the way to XX/XX/2018. I asked XXXX to refund Citi double cash, XXXX told me that they could not do anything and I needed to call Citi double cash. I did call Citi card several times, but they did not listen. 

3- Someone in Citi double Cash fraud Office made the decision that it was no fraud ( which it never was ), this person in Citi Double Cash passed that decision to XXXX where the MONEY ( {$390.00} ) was held. XXXX base on that decision send the funds to the Merchant. 

4- All the above information, was gather through months of this ordeal for me, and on three way phone call with XXXX , Citi Double Cash Agent , and Me, on XX/XX/2018. This event was immediately followed by another three way phone call with XXXX, CITI DOUBLE CASH AGENT, and Me, all at the same time. All of this in the afternoon, on XX/XX/2018. 

5- As it is right now, XXXX , and XXXX said to me that they can not open any dispute with this crook Marchant because of the fraud decision this careless Citi 's employee made, and Citi double cash has not done anything to clarify and fix this problem. So, I am frustrated because I can not do anything to solve the problem. 

6- I do not like this credit card company anymore, so I paid all the balance I owed on this card EXCEPTING this transaction ( {$390.00} plus interest and penalties they are now charging {$500.00} ) and I cancelled this credit card.

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 monetary relief
Consumer complaint received 2018-07-29 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: MO

Complaint narrative:
CFPB, Please accept this complaint as a formal notice that Equifax is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX with an account number of XXXX on XX/XX/XXXX ( attachment A ). Equifax received my letter on XX/XX/XXXX. I informed them that this account is no longer supposed to be reported negatively and supplied Equifax with documentation supporting my dispute ( attachment B ). This account should have NO negative payment history, and it appears this information has been updated correctly, however, Equifax is still reporting a payment status of at least 120 days or more than 4 payments past due, and this is inaccurate since all payment history is reflecting paid on time and as agreed ( attachment D ). The account number was also changed and they are reporting and inaccurate open date of XX/XX/XXXX. The original account number should be XXXX. And the accurate open date is XX/XX/XXXX and is being reported as such to TransUnion ( attachment C ).  Equifax is also reporting a high credit balance of {$2500.00}. This is inaccurate, as it is being reported to XXXX  as {$0.00}. Equifax is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I just got serve Tuesday XX/XX/XXXX unfortunately the papers were delivered to my now XXXX year old daughter papers were not in any kind of envelope, she read and shared with her XXXX year old brothers the forms against me and was crying when I got home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: IL

Complaint narrative:
I took out three student loans in XX/XX/XXXX. After being denied a lease at an apartment due to having " 15 negative accounts '' on my credit report. I thought this was odd as I six accounts. XXXX credit reporting company has it correct, however there are three mistakes with my student loans. I took out three loans of XXXX. It seems every time my loan changed hands it created a new account and added another negative account to my report. there are also duplicate listings with the original lender listing the loans as 150+ past due. Also as I defaulted on my three loans after having my taxes taken to pay what it would I entered a loan consolidation. The loan consolidation also appears to have caused this issue but also there are new accounts for each of the account acquired for consolidation as well as the sum total consolidation account. this happened for the original consolidator as well as the current owner of the 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 2018-07-29 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: IL

Complaint narrative:
I took out three student loans in XX/XX/XXXX. After being denied a lease at an apartment due to having " 15 negative accounts '' on my credit report. I thought this was odd as I six accounts. XXXX credit reporting company has it correct, however there are three mistakes with my student loans. I took out three loans of XXXX. It seems every time my loan changed hands it created a new account and added another negative account to my report. there are also duplicate listings with the original lender listing the loans as 150+ past due. Also as I defaulted on my three loans after having my taxes taken to pay what it would I entered a loan consolidation. The loan consolidation also appears to have caused this issue but also there are new accounts for each of the account acquired for consolidation as well as the sum total consolidation account. this happened for the original consolidator as well as the current owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: NJ

Complaint narrative:
Equifax is reporting a collection account on my report which does not belong to me & after several reminders they fail to delete the incorrect information on my credit report. 

collection account in question is XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX A/C # XXXX {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I had a loan with XXXX XXXX where the loan terms were predatory. 

I did business with a car dealer in XX/XX/XXXX in XXXX NY that was shady to say the least. I purchased a {$15000.00} vehicle and gave {$5000.00} as down payment in XX/XX/XXXX. I had to start a new job the following day and rushed through a process that I would normally take my time on. In XX/XX/XXXX without missing a payment of {$450.00} a month for 5 years my loan was still {$14000.00}. Five years of not missing a payment and the loan went down {$500.00}? The dealer kept my deposit and did not put it towards the price of the car. 

I called XXXX XXXX to negotiate a new loan and they declined to help, saying that they would give me a lower payment but only for 6 months. I refused. After 5 years of paying {$450.00} a month I had already paid {$27000.00} on a car worth less than {$15000.00} and Santander was not willing to negotiate a fair loan. I then asked for a Voluntary surrender of the vehicle and they came and retrieved the car. Later I received a letter from Santander saying they auctioned the car for a few thousand dollars and I was responsible for the rest. I believe Santander sold the vehicle for about {$8000.00}. Therefore Santander collected {$27000.00} worth of payments from me plus {$8000.00} from an auction. Thats {$35000.00} on a car worth less than {$15000.00}. Then sold the debt to a debt collector named XXXX XXXX XXXX on top of the {$35000.00}. 

Then I get a call from XXXX XXXX XXXX. I tell them the story and tell them that I don't intend to pay another dime. This was in XX/XX/XXXX. 

Now in XX/XX/XXXX I need to buy a home for my family of XXXX and XXXX shows a collection on my credit report. I call XXXX and tell them clearly that I want to pay this loan off to have the collection deleted from my credit report. I was very clear when I said I will only consider paying more money towards this car if the collection is removed from my credit report. Over the phone the person understood and knew exactly what I needed. I payed {$2000.00} more to settle the debt. 

I made the payment on XX/XX/XXXX and on XX/XX/XXXX the collection is still showing on my credit report. It does show a XXXX balance but my request before agreeing to pay was to have the collection deleted from my credit report. 

It is obvious that I paid Santander and XXXX enough money as to not be punished with this collection on my credit report. XXXX used deception to collect this money which continues the same trend from the Santander loan of negatively affecting my financial status since I will be paying a higher mortgage because XXXX did not do what they told me they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: MO

Complaint narrative:
CFPB, Please accept this complaint as a formal notice that TransUnion is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX/XXXX with an account number of XXXX on XX/XX/2018 ( attachment A ). TransUnion received my letter on XX/XX/2018. I informed them that this account is no longer supposed to be reported negatively and supplied TransUnion with documentation supporting my dispute ( attachment B ). After recent review of my credit report furnished by TransUnion, I noticed that their company did not update the information to the appropriate monthly payment history of OK, for all months reported nor an account status of paid as agreed. This account should have NO negative payment history, and they have not corrected the inaccuracy after being informed. There are also a number of other inaccuracies being furnished by this company. 
The account number was changed from XXXX to XXXX. 
The account type is being reported as employment, when this account is an education loan. 
They are reporting a monthly payment of {$50.00} on this {$0.00} balance account. There can be no monthly payment on a {$0.00} balance account. 
The payment status is reporting 120 days past due when all payment history should have be updated to paid on time and as agreed. 
The high balance amount is reporting as {$2500.00} and should be {$0.00} ( as it is reporting to XXXX as {$0.00} ). 
TransUnion is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness ( attachment C ).

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 2018-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I signed up for a business checking account under and was supposed to receive a {$300.00} bonus after completing the following : Deposit {$1000.00} or more into the new business checking account by Day 10, and Have a {$1000.00} minimum balance in your account on Day 60, and Make 5 or more qualifying transactions by Day 60 : Debit card purchases ACH ( credits and debits ) Checks Paid Mobile Deposits Wires ( credits and debits ) WF Bill Pay or Direct Pay I met the requirements within the specified time period. Bonus did not post. Issue was researched by Wells Fargo, got letter saying that I didn't complete the offer requirements within the number of days specified ( false, requirements were completed in specified number of days ) and minimum direct deposit enrollment wasn't completed ( there was no direct deposit requirement, only a deposit requirement which i did complete ). I believe I met all the requirements of the offer and was incorrectly denied the account bonus.

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 monetary relief
Consumer complaint received 2018-07-29 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: NJ

Complaint narrative:
my mortgage co reporting an error of reporting 30 days late for XX/XX/2017 payment which never happened and the payment was made on time but equifax/ mortgage co did not correct the error after several reminders. 

mortgage co is : XXXX XXXX XXXX XXXX LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: Ocwen Financial Corporation
State: NJ

Complaint narrative:
my mortgage co reporting an error of reporting 30 days late for XX/XX/2017 payment which never happened and the payment was made on time but XXXX/ mortgage co did not correct the error after several reminders. 

mortgage co is : OCWEN LOAN SERVICING LLC LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I entered into the Term Rate Modification program at Sallie Mae in XX/XX/2018. This was done over the phone with a loan modification representative. I gave all of my financial information ( current income, personal expenses, checking account balance ), as well as my mother 's information. She is my co-signer and has been helping me make payments until I find a job. We were told by the representative that my monthly payments would be lowered to {$300.00} per month, to be allocated to two loans, # XXXX and # XXXX. This payment plan requires three " good faith '' payments before official enrollment. I was told I would continue to receive notices of delinquency until all three payments were made, and the representative told me to ignore them. These payments were made on time, automatically taken from my mother 's checking account, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In early XX/XX/XXXX, I received a letter of delinquency that threatened negative consequences to mine and my mother 's credit score. I called Sallie Mae right away and was told again that I should disregard all communications from the company about my loans being delinquent. The representative assured me that the delinquency would not be reported to credit agencies as long as all three good faith payments were made. I was called again on XX/XX/XXXX by XXXX XXXX ( XXXX ) at Sallie Mae to inform me that my payment plan was now invalid. After calling back, I was unable to reach this person and spoke to a resolution specialist named XXXX, who assured me Sallie Mae had made a mistake in not validating my payment plan, because every good faith payment was made on time. This person once again assured me this would be fixed, the payment plan would go through, and that my credit would absolutely not be affected. Today ( XX/XX/XXXX ) I checked my credit score and Sallie Mae has reported two instances of serious delinquency in my credit history in the last two months. This has greatly affected my credit score, which is now in the 560 range. 

Going through my online correspondence, the only written record Sallie Mae has provided of me entering into this payment plan was sent to me only days ago, on XX/XX/XXXX. Quite conveniently, this letter states that my credit can be affected during the good faith period. This contradicts everything I have been told, on multiple occasions, by Sallie Mae representatives. I understand from speaking with them on the phone that every call I have made about this is noted in my account file and calls are recorded. I made the huge mistake of believing them when they repeatedly lied to me about reporting to credit agencies, so I did not keep my own records and now have no proof that these communications happened other than what is in my file at Sallie Mae, and the letter I received on XX/XX/XXXX.

Company response to consumer: Closed with explanation