vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 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: FL

Complaint narrative:
I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of  this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. 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 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland has filed a civil suit aginst me on a debt that isn't mine i was not properly served instead of a certified letter or anything from Midland funding or the court. Instead i received a letter from a attorney asking if i needed legal representation for this court case after doing research on the local courts website i found out i was being sued by Midland funding i filed my answer and sent them a debt validation request to prove that i own this debt and they have failed to do so it has been almost a month and they have failed to validate this debt. there is no contract or chain of assignment or anything else in there complaint. After alot of research i have seen were multiple states including the state of ohio have filed lawsuits against Midland funding for their shoddy collection practices and they have sued many people in violation of the ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Visited dealership on XX/XX/18 and spent 1 1/2 hours in the dealership to purchase a work truck. During this time, we negotiated price, money down, insurance, loan options, etc. During this time, we agreed to a price and discussed loan options so the vehicle would go in the company name. All was well when I left. Received a call from the loan officer at XXXX who said he had good news. I returned his call at XXXX and we went over options. We decided on the option that was best and the amount of down payment. Spoke with sales rep I had been dealing with. We talked about 2 options ( 1 ) they could bring me paperwork ( done this many times at XXXX XXXX ) now and we could sign or ( 2 ) I could come after my meeting. My meeting was done and on my way to dealership the manager calls me and says they sold it to someone else. My main issue is they pulled my credit and offered me terms to a loan. The hard pull will affect my credit. This is a deceiving practice and quite frankly damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
During the time I was incarcerated ( XXXX ), someone fraudulently submitted applications in my name to XXXX XXXX. XXXX XXXX sold the account to Portfolio Recovery in XX/XX/2016. I have made several attempts and provided documentation to Portfolio Recovery showing that I was incarcerated during the time of this application. The FCRA prohibits information furnishers from providing information to a car that they know or have reasonable cause to believe is inaccurate. Section 623 ( a ) ( 2 ). In addition, when any furnisher of information is notified pursuant to Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I contacted Toyota financial services to dispute the points taken off of my credit that decreased my credit score I was informed that its a computerized system and basically so what its nothing they can do. I was building my credit now its ruined for no reason I never was delinquent on my payments to this company and its unfair that they just like that sent a false report to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received a notification from Wells Fargo stating my account has had lender place insurance on it. The letter was encouraging me to refinance with them to have it removed. I was never aware I had this on my account because I have always carried enough insurance to cover everything. I called them and the person told me I can only have it removed if I refinanced and that I signed an acknowledgment stating it can be placed on my account if I failed to cover enough and/or provide them proof whenever requested. I have never received one phone call, email, or letter in the mail from Wells Fargo requesting proof of my insurance coverage and I do have enough coverage. I also checked my online banking and their has been no alerts or messages to me. I dove a little deeper and saw they did charge my mortgage over a 900 dollar fee for this. I called and was told no fees will be returned and the lender placed insurance will not be removed. 
I feel like this is an UDAAP violation. I should be given the opportunity to provide evidence of my insurance coverage. Wells Fargo has made no documented attempts to contact me about needing to verify my insurance. The crazy thing is just last year I did an assumption to remove my ex husband from the mortgage and even provided evidence during that process. I find it a bit odd that the only attempt to contact me about the force placed insurance is by an opportunity to refinance my mortgage. This makes me feel like Wells Fargo is trying to gain more in fees and also doesn't like my really low interest rate. The associate was also trying to spin it like it is a good tax write off ... ..I feel like they had some scripts ready for this type of call Please help in removing this insurance and crediting me back all fees I acquired by this.

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 2018-10-09 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I traded in my XXXX XXXX XXXX to XXXX for a XXXX XXXX XXXX. The dealer said to not make my final payment due to me trading the car in and that they would receive the payoff the next business day. Short story is my payoff for the XXXX got to Wells Fargo ONE day late. They reported this to the bureau and will not remove it. I'm in the process of trying to buy a house as a first time buyer and this is reflecting in a negative light with lenders. ONE DAY. I've called Wells Fargo and they say nothing can be done is what it is and offer no help what so ever. I've contacted to dealership where I leased my XXXX  and all they say is sorry it got there a day late.

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 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My problems began XX/XX/XXXX, when my spouse and I began separation which led to a divorce, in addition to the divorce then I have been unemployed on and off from XX/XX/XXXX through XX/XX/XXXX. I also have taken my mother in with XXXX XXXX XXXX XXXX to assist in her rehabilitation and getting her into remission. 

I took employment positions to fulfill my responsibilities, but they were either not stable or enough wages to cover my expenses. It was barely enough the last 18 months to keep food on the table for my XXXX children and mother, utilities, etc. 

In addition to the financial hardship ( severe decrease in income, illness and divorce ). I went to a recommended financial management company ( XXXX XXXX ) that was supposed to help in the assistance of applying for a home loan modification. I was charged {$2400.00} for the service which he failed to complete or give proper notification regarding paperwork, etc. During that time, I was trying to re-coupe my funds since he did not fulfill my request. 

To date, I have not seen any information from him, except to apply again and to send additional last payment for the service. I choose not to for the reasons of being scammed and that I learned you should not trust anyone charging for this service. 

Since then, I did my own research to find out how to resolve this matter on my own. I found an organization called the Fair Housing agency and made an appointment in XX/XX/XXXX to meet with a counselor to assist with what my options where at this time I was told about the HUD programs/grants. 

I filed my application XX/XX/XXXX way before the 37 days deadline and was assigned a counselor from XXXX XXXX ( XXXX XXXX ). This person never contacted or returned any of my attempts to schedule the appointment to submit the follow up requirements/paperwork. This then brought me to the point of escalation to the state of NJ. In return I was able to contact someone from the State of NJ XXXX XXXX. She not only reassigned my application to a new counselor but also a new agency NJ XXXX XXXX. 

Due to the XXXX XXXX not handling my urgent matter timely this is another reason why I am so close to the sale date and need to have it postponed until the remainder of the grant process is completed. I met all the criterias and with great hopes will be approved for the XXXX   grant from the State of NJ. 

As of Friday 's mail, XX/XX/XXXX, I received a denial letter letter from SLS regarding the RMA. This letter is stating I am denied due to the less then 37 days till the date of foreclosure. Please note I will be asking for the adjournment on XX/XX/XXXX ( which will be more then 37 days until the new sale date ). 

Today XX/XX/XXXX, I sent another email requesting an adjournment and RMA. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
I am in the process of buying my first loan and recently discharged from bankruptcy on XX/XX/2018. My mortgage company discovered that the company XXXX XXXX has a lien against me dated XX/XX/2018. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX Alabama XXXX ( a debt collector ) for XXXX XXXX , XXXX. They filed a small claim with XXXX county XXXX in the amount of XXXX. 

I do not know anything about this bill. I believe my identity has been stolen because this debt is not listed on my credit report. XXXX XXXX is the debt collector representative and she says that it is for a XXXX Credit Card and that I used it at XXXX and for XXXX XXXX. I have not had XXXX XXXX in 7 years. She asked if I was still in bankruptcy and when I told her I was discharged she said I had to pay the bill. She did not give me any dates of these charges or a copy of the bill. The address on the lien notice is my prior address but I did not have XXXX XXXX. I had XXXX XXXX  briefly and XXXX  and the internet provider. I have left many messages for her call me back but have not received any answers. She did provide me with the creditors name as a XXXX Credit card, and their file #. When I called Continental Finance, they refused to talk to me stating that my account was sold t XXXX  XXXX. I don't believe this is my account and if is I never received a statement and the charges are not mine. From the XXXX charge, this date of the charge is prior to me file bankruptcy and this bill should have been settled through the bankruptcy chapter XXXX. I can not get in contact with XXXX  and they are never available to discuss this nor have they sent me the needed information to verify whether this is a true bill. I need this cleared up asap or I will loose my FHA loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I traded in my XXXX XXXX XXXX to XXXX for a XXXX XXXX XXXX. The dealer said to not make my final payment due to me trading the car in and that they would receive the payoff the next business day. Short story is my payoff for the XXXX got to XXXX XXXX ONE day late. They reported this to the bureau and will not remove it. I'm in the process of trying to buy a house as a first time buyer and this is reflecting in a negative light with lenders. ONE DAY. I've called XXXX XXXX and they say nothing can be done is what it is and offer no help what so ever. I've contacted to dealership where I leased my XXXX and all they say is sorry it got there a day late.

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 2018-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I called HSBC Bank that {$14000.00} was drawn from my checking account fraudulently on XX/XX/18. While I was talking to them another {$12000.00} was drawn. I called again XX/XX/18 to find out status of my account and found out that the request for block and transfer of money back was never made. I called them again today and been hold for 75 mins and no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Today ( XXXX XX/XX/XXXX ) I attempted to freeze my credit report access at XXXX, XXXX and Experian. The XXXX  attempt went without a problem, but I was thwarted in my attempts at Experian and XXXX. After filling out the credit freeze request form at XXXX, I was received the following response : <p> " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 
We are sorry, but we are unable to fulfill your request at this time. 
What to do now : If the problem persists, please contact our Website Access Support team at XXXX, available Monday through Thursday : XXXX XXXX to XXXX, and Friday through Sunday : XXXX XXXX to XXXX XXXX Eastern Standard Time. '' <p> In the case of Experian, it was clear to me that they were intent on making it as difficult as possible to obtain a free freeze. Their request form did not allow autofill, an easily implemented customer courtesy, and after having manually filled out the form and answered ID verification questions, I received a notification that for an unspecified reason they could not fulfill my request, and that I should send the request via USPS mail and include a long list of specific pieces of information, which I had just supplied in their online form. 

I believe if one of your agents attempts to use the free freeze request at the two services referred to above, they can confirm my experiences. Nevertheless, I will double check both of those services tomorrow, and if their response has been more compliant in fulfilling the requirements of the free freeze legislation 's intent, I will so inform you via this complaint submission option. 

Sincerely yours, XXXX. XXXX XXXX, VA

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 2018-10-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I DISPUTED WITH EXPERIAN ABOUT A ACCOUNT THAT I NEVER HAD WITH A BANK CALLED XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX CLAIMING IT WAS OPENED IN XX/XX/XXXX FOR A AUTO LOAN.. THEY SENT ME A COLLECTION NOTICE SAYING IT WAS IN COLLECTION FOR A VEHICLE VIN # XXXX ... ( I ENCLOSED A COPY OF THE COLLECTION LETTER AND IT STATES THE VIN # ALSO AS PROOF ) I NEVER OWNED OR PURCHASED A VEHICLE WITH THIS VIN # ... BACK IN XX/XX/XXXX I PURCHASED A VEHICLE WITH THE VIN # XXXX FINANCED IT THROUGH CREDIT ACCEPTANCE. I SUPPLIED ALL DOCUMENTS OF THE VEHICLE I PURCHASED WITH PURCHASE AGRREEMENT, FINANCE PAPERWORK THROUGH CREDIT EXCEPTANCE, THE VEHICLE WARRANTY, A COPY OF THE NEW YORK STATE TEMPORARY CERTIFICATE OF REGISTRATION, A COPY OF THE WINDOW STICKER AND TWO DOCUMENTS FROM XXXX OF RECALLS ON THIS VEHICLE ALL SHOWING THE VIN # OF THE VEHICLE I PURCHASED.. I TRADED THE VEHICLE IN XX/XX/XXXX ON A VEHICLE XXXX XXXX XXXX XXXX FINANCED THROUGH XXXX XXXX WHICH IS IN GOOD STANDING ON MY CREDIT REPORT.. PLEASE DELETE THIS FROM MY CREDIT REPORT.. THANK YOU XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: TN

Complaint narrative:
XXXX XXXX will not properly give me credit for qualifying payments for PSLF. I have provided them with the proper documentation from my previous lender and they still haven't updated the records correctly. I had to submit the documentation 3 times, once by certified mail, once by fax, and once by document upload to even get them to acknowledge that they had received a communication from me. Then, they didn't calculate the correct number of qualifying payments made on the subsidized and the non-subsidized loans. I am a XXXX employee who has been making payments under one of the income driven repayment plans since XXXX of 2009. I should have an equal number of qualifying payments on the subsidized and the non-subsidized loans, just over 100 qualifying payments on each. I submitted documentation from my previous lender to show them the qualifying payments and authorized XXXX to pull records from my previous lender. They sent me a letter which only counted the payments made in the last year. XXXX seems determined to not acknowledge and give credit for the bulk of my qualifying paments made while being serviced by a different company ( XXXX ). I need help getting them to accurately document my qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: PA

Complaint narrative:
I had credit card fraud in XXXX. This about the time I received daily calls from XXXX XXXX XXXX XXXX. I also received a call from XXXX XXXX XXXX out of Texas. I returned call twice to ext. no. and left message with no response. I then called hunter and explained that I did not do this purchase. The rep. said it was shipped to XXXX. I live in XXXX. The calls stopped until wed. XX/XX/XXXX. Now I have received 5 calls since. 
Now Hunter sent a bill XXXX XX/XX/XXXX for {$100.00} with interest. I have never heard of this co.. I did not open account or authorize it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been in the USA since XX/XX/XXXX as an XXXX. I applied for my 3 free credit reports on XX/XX/XXXX and received from XXXX  and XXXX with no issues. I received none from Equifax and was asked to submit a written request with proof of address and ID, which I did on XX/XX/XXXX using my SSN and driver 's license in colored copies. I have now received a letter, which I'll attach, saying I should submit the same documents because I was not found in their database. 
I have applied for refinancing and was denied, I will apply for a loan for school shortly and I'm worried about the interest rate or being denied if they use Equifax as their credit reporting agency. If my information is available and accurate for the other 2 agencies, and one said they've been monitoring me since the day I arrived, why can't Equifax find it?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Car was my moms not mine and still showing on my credit history. Called Nissan multiple times and  keep getting the run around. They called and harassed me many times and I had to change my number.

Company response to consumer: Closed with explanation