vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There are   XXXX   very old  XXXX  accounts that are not supposed to be reporting on my credit. The   XXXX    XXXX  card account has an account number of "  XXXX ****** '' with an open date of  XX/XX/XXXX . The   XXXX     XXXX  card account has an account number of "  XXXX  '' with an open date o f   XX/XX/XXXX . Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the  XXXX  charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that   XXXX   is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called  XXXX  a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bureau is refusing to honor my creditor 's deletion request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Your choices to categorize complaints is too narrow. 

Anyways, I am to receive a settlement payment from the XXXX XXXX XXXX, thru a State Settlement. I live in Texas and I would like to sue the company for monies not received but I need the right address.

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 2017-07-17 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: DISCOVER BANK
State: TN

Complaint narrative:
DISCOVER BANK IS REPORTING DELINQUENCIES OF 30 AND 60 DAYS ON MY CONSUMER REPORT. IT HAS DAMAGED NY CREDIT SCORE BY   XXXX   POINTS.
I CALLED THEM AND THEY SAID THERE ARE NO SUCH ITEMS BEING REPORTED.
HOW DOES THIS GET FIXED? THE   XXXX   BUREAUS SHOW IT. DISCOVER SAID IT IS N'T SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
First Complaint filed  XXXX - XXXX -2017. This is the second complaint filed because the bank lied in their rebuttal letter. I received a letter from Pentagon Federal Credit Union dated   XXXX    XXXX , 2017, hardship letter and another letter them charging me another attorney fee for being late. This Banking institution denied two home modifications and I have paid an enormous amount of money in attorney fees to their banking institution. In addition, to my mortgage payment that I am struggling to pay and my current payment arrears my home flooded on  XXXX - XXXX -2017 see pictures enclosed. Pentagon Federal Credit Union sent a modification application and a denial letter included inside of the application before I even had the chance to complete the forms. I have enclosed the hardship withdrawal letter that pentagon federal sent and the denial letter so this will be there third denial for a loan modification. This institution even has people coming to my house to see if I want to sale the property all hours of the night. There is a number listed on Pentagon Federal Credit Union to call   XXXX   XXXX   at   XXXX   and I have called 27 times since receiving this letter and no response. I feel unsafe to stay in the house because I feel that someone at this bank has it in for me and really want this house Please Help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
On   XX/XX/XXXX ,  I purchased a vehicle a   XXXX   XXXX   XXXX    from  XXXX  of Georgia. On   XX/XX/XXXX , I found out the vehicle was no good meaning the motor and catalytic conve rter was gone out. I took the car back o n    XX/XX/XXXX  less than 24 hours later after purchase also being told at the  time I sign the contract that I had 72 hours to return the car if I decide I did not want it. When you bring the vehicle history up on this vehicle connected to VIN   XXXX   may have been recalled. Check full report for more information vin #  XXXX  ... this comes up. I was told by  XXXX  who is now working for   XXXX   XXXX   XXXX   in   XXXX   XXXX  , GA the vehicle was sold and they had already receive a check for the vehicle. I ask who was my finance company and she replied Automobile Acceptance. On   XX/XX/XXXX  , I went to the finance company in  XXXX , GA and told them that I no longer wanted the car and that I have 72 hours to bring it back and I was well within the 3 days and the credit manager replied they had already electronically sent  XXXX  check and conveniently   XXXX   closed down everywhere. The credit manager said it would be a repossession if I return the car so she convince me to keep the car. It became very hard to maintain the car and the payments so I voluntarily gave the car back. The car has been charged off on my credit and now Automobile Acceptance are suing me for almost $ 15k with 12 % interest. I was initially tried to be served in  XXXX  county   XXXX   XXXX  , Ga but when I went to  XXXX , GA Magistrate court and was the served with this civil suit, in which ; I find illegal and unethical. I will upload s upporting documents that will show the vehicle loan was charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
In or about  XXXX  2017, I entered a  XXXX  store with my roommate at the time to transfer my account to her as I was moving to a different location. The customer representative assured me that there would be no issues. My roommate was approved. My account was closed and my roommate 's account was activated. I did not receive any notification from   XXXX   at that time or any later date that there was a remaining balance on my account that closed.
<P/>
In or about  XXXX  2017, for the first time I received a notification from Diversified Consultants, Inc. ( a debt collection agency ) that a balance of {$260.00} remained on the closed   XXXX   account. This included a cancellation fee which the customer service agent in the  XXXX  store assured would not be applied because we were simply transferring the account to my roommate.
<P/>
On or about  XXXX   XXXX , 2017, I opened a new account with  XXXX .  XXXX  told me that they could not install my account until the " balance '' from the previous account was paid off in full. I paid that account directly with   XXXX   and the  XXXX  representative advised me that they would inform Diversified Consultants, Inc. of the account being paid in full.
<P/>
On  XXXX   XXXX , 2017, my credit report still showed that I owed a balance. I filed a dispute with   XXXX   on that date. The dispute was denied on  XXXX   XXXX , 2017. On that date, I called Diversified Consultants, Inc. who stated that my account showed paid in full. They claimed to have reported the paid in full status to the credit bureaus. When I called the bureaus, however, they stated that as of  XXXX   XXXX , 2017 the last information they received from Diversified Consultants, Inc. showed I still owed a balance.
<P/>
I am incredibly frustrated by this process as this was a lousy utility bill and a miscommunication from  XXXX , which is now resulting in a   XXXX    point drop in my credit score. I am also in the process of attempting to refinance my student loans and am being automatically denied because of the derogatory remark. This is unfair business practices by  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
XXXX   XXXX   IS REPORTING DELINQUENCIES OF 30 AND 60 DAYS ON MY CONSUMER REPORT. IT HAS DAMAGED NY CREDIT SCORE BY   XXXX   POINTS.
I CALLED THEM AND THEY SAID THERE ARE NO SUCH ITEMS BEING REPORTED.
HOW DOES THIS GET FIXED? THE  XXXX  BUREAUS SHOW IT.   XXXX    SAID IT IS N'T SO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
I borrowed {$300.00}, but had no idea that I would be charged {$900.00} in interest charges until after I received an email stating that {$92.00} would be taken out of my account on a bi-weekly basis. I would never have borrowed {$300.00} from this company under these conditions. After all of this, I have found that these type of loans are supposed to be illegal in the state of Arizona. I have no problem paying back the {$300.00} loan and reasonable interest, but {$900.00} in interest is ridiculous. They have already deducted {$92.00} out of my bank account on  XXXX / XXXX /2017 and the balance is still {$300.00}. I am attaching a screenshot from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I had hired 3 companies in the past to help with my mortgage to get a loan modification. I had given up on the companies, partly because I was having problems with constantly having to resubmit the same papers over and over again. I finally contacted the company myself and submitted all of the paperwork and got a decision that they would not give me a loan modification.
I have had to take care of my father because I am the only one to care for him. My mother passed away 9 1/2 years ago and I have had to help with his care. Most recently he became seriously ill and I had to stay with him at his home and be his  XXXX . My grandson moved into my house and is taking care of it in the meantime. My father passed away  XXXX / XXXX /17 and I am the executor of the estate and it has a reverse mortgage on the house which requires someone to be here to maintain the house until the estate is settled. I am the executor and heir. They declined my loan modification because I have to care for my father and his estate and stay here until it is settled. The date of the decline was just told to me on the phone  XXXX / XXXX /17. The company is CitiMortgage. I have been dealing with this and have just constantly been sending in paperwork for over a year. I have paid companies {$10000.00} or more to try to help me and have this outcome. They said it will be in foreclosure but there is a court suit on it so it will be in litigation. I do n't know what the litigation is about and how this is going to affect my credit and how to save my home.

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 2017-07-17 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: NC

Complaint narrative:
I was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of  XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from   XXXX   XXXX   XXXX   it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted   XXXX   XXXX   XXXX   on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with   XXXX   XXXX   XXXX   but they just keep giving me the rum around over and over.

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 2017-07-17 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: NC

Complaint narrative:
I was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from   XXXX   XXXX   XXXX   it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted   XXXX   XXXX   XXXX   on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with   XXXX   XXXX   XXXX   but they just keep giving me the rum around over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
My son had a student loan thru   XXXX   XXXX  , his father and I co-signed for this loan of {$26000.00} over the past few years payments were made to   XXXX   XXXX   some by our son, his father and myself. After   XXXX   XXXX   formed Navient as their collections company, we were plagued with calls demanding payment in full. Our son 's father paid them {$10000.00} on XX/XX/XXXX  to have them remove his name as a co-signer which they eventually did. My son on or about XX/XX/XXXX  had   XXXX   XXXX   XXXX   ( a service related benefit of education loan ) contact   XXXX   XXXX  /Navient to get the exact payoff of his student loan which  XXXX  was told the amount of {$17000.00}. A check was sent for that amount payable to   XXXX   XXXX  , ck #   XXXX   was received and deposited with a bank stamp belonging to   XXXX   XXXX   XXXX  . #   XXXX   for deposit only. After our son was told that they did not receive this payment he contacted  XXXX  for copies of this check and   XXXX   XXXX    sent him copies of front and back of cancelled check proving this had been done and that they were paid in full.
Navient ( one of several collections agencies contracted by   XXXX   XXXX   ) still denies that the debt has been paid in full and is still trying to collect monies not owed. This is one of the many fraudulent acts that has caused the lawsuits to be filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM

Complaint narrative:
I applied for a modification, my mortgage balance was aroun d 130K at the  time, by the time the mortgage was approved, the arreerages were around another  20K,  I did the 3 trial payments which were around 100 dollars more than the payment of my house before the modification. They denied it after the third payment because they said I had put my daughter on the title and I did that to had that house in her name when I died, and they said that she had a lien on her house at a different address and that because she had a lien on a different address for  XXXX  dollars that they can not approve the modification on my house and that they are proceeding to foreclosure when I called them today, they never sent me a letter or nothing since the month of  XXXX .
I called today and they faxed me something. Iam attaching it. I asked them to give me time to pay this and to modify my house and they told me that no they are proceding to foreclosure, how can that be????? They need to give me time to pay the debt of my daughter who is NOT no longer on title on my house, she was in 2016 and at the request of carrington, I took her off my house title she owns her own house in another place and the lien she owes to the department of workforce solutions is for unemployment pay back which is also a mistake she has to clear out as she does not owe that. she is working on clearing this out. The company should send me a modification package tome right away to honor my request for modification since they are waiting to   XX/XX/XXXX   so that they do not have to modify us according to thehope or harp or whatever the situation is for the tarp funds the banks received and force me out of the house I worked for. I am a   XXXX   year old  XXXX , and I worked for my house and I bought it for a lot more than it is worth and paid a lot of years for it. I also bought a substandard house built with bad materials and I paid thousands of dollars to make it livable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: United Acceptance Inc.
State: TX

Complaint narrative:
This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company United Acceptance will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in XXXX so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: AL

Complaint narrative:
XXXX  THIS IS MY 3RD RE-ISSUE WITH THE RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. BACK IN   XXXX    XXXX  REMOVE THE FOLLOWING INQUIRIES AND THEN THEY PLACED THEM BACK ON MY CREDIT FILE. THESE ARE FRAUD INQUIRIES THAT I DID NOT AUTHORIZE. I SPENT OVER 60.00 SENDING CERTIFIED LETTER TO EACH CREDITOR ASKING FOR IMMEDIATELY REMOVAL FROM MY  XXXX  CREDIT FILE AS OF TODAY NONE HAVE BEEN REMOVED. I RECENTLY FILED A POLICE REPORT WITH THE   XXXX    POLICE DEPARTMENT.  XXXX , ALABAMA. I AM A VICTIM OF IDENTITY THEFT SOMEONE IS CONTINUING TRYING TO PURCHASE ITEMS IN MY NAME. PLEASE REMOVE THESE  XXXX  INQUIRIES FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   - XXXX / XXXX /2017- XXXX / XXXX /2017   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    - XXXX / XXXX /2017   XXXX   XXXX     XXXX   XXXX   AND   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    F  XXXX   XXXX   XXXX   XXXX   AMICO INVESTMENTS   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-07-17 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
We leased a vehicle in  XXXX  of 2015. Part of the incentive was that the dealer would make the first payment of the lease. When we arrived to pick up the vehicle, we were informed that due to " credit '' issues ( which were not elaborated on ) we were required to pay an additional {$500.00} ; This was only disclosed when we arrived - not before. Since it was too late for us to change our mind, or get another vehicle elsewhere, we decided to pay the {$500.00} - HOWEVER, when they actually added up the invoice, they added yet another {$500.00} and then denied that they did so. We had to call the manager to re-calculate - and she then advised that we were right, and there was another {$500.00} added that should not be. Apparently, The dealer never lived up to its promise of making the first payment on our behalf - which was the original incentive for us to lease the vehicle. We set up 23 payments ( the lease was for 24 ). ALL OF WHICH WERE ON TIME OR EARLY. now GM FINANCIAL is reporting that I have a late payment on my credit report - which is NOT ACCURATE. I spoke with "  XXXX  '' at GM Financial who claims that she can not fix the credit report for at least 30-45 days, and only if she gets a letter from the dealer. My credit is very important to me, and I need to get this corrected, but my complaints are falling on deaf ears. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I filed a complaint with you all on santander a month or so ago and they removed from my credit report as a debt relief attached is a copy of the response from then well here it iw months later they have sold my information to another company after agreeing to remove from my credit which they did but they never states they were going to sale my information attached is a letter of that as well

Company response to consumer: Closed with explanation