vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 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: LA

Complaint narrative:
I contacted Trans Union regarding an illegal lender showing on my report. The agent did not seem to comprehend what I was trying to tell them and was not very English fluent. I received the results of the investigation around 2 weeks after I filed. The illegal account, XXXX XXXX XXXX, is still on my report as being charged off. This account should be wiped from my account all together due to the fact that in Louisiana they are unlicensed therefore have to forfeit all balance and fees regarding the loan and is deemed noncollectable. See notice - XXXX XXXX XXXX [ Please note, failure to obtain a license with this office shall nullify and/or void each consumer credit transaction or deferred presentment ( payday loan ) transaction originated after the XX/XX/XXXX effective date. These transactions shall be deemed unenforceable and uncollectible. Creditors will be required to forfeit all loans or transaction proceeds, fees, charges, and other amounts paid in association with the transaction or loan. ] I had to call and file a complaint instead of the easy online process because my account was locked out and they would not allow me to access without taking weeks of back and forth snail mail confirming my identity involving sending a picture of my ID and waiting on an affidavit from them ( This is a whole different issue I 'll take up with the BBB ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Experian is not reporting both of my XXXX cards on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: MI

Complaint narrative:
I 'm not exactly sure who is or should be servicing my loan at this time, XXXX or Sallie Mae. My first disbursement date was XX/XX/XXXX in the amount of {$1200.00}. I may have received some false or misleading information when I expressed financial hardship to Sallie Mae in XX/XX/XXXX, I 'm not sure if I should take the suspension since I 'm still able to make payments, I 'm just wondering how often they 're going to change the interest rates. They told me that my only option was a temporary suspension of payments. In earlier months ( not sure when ) I was told to call XXXX, either way, I feel like I 'm being taken advantage of, please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: NJ

Complaint narrative:
1. On XXXX XXXX 2017 I made an online payment with Navient for {$320.00}. I was given a confirmation Number for the transaction. 2. On XXXX XXXX, 2017 Navient sent me a statement showing that the payment was received and allocated to my account 3. Navient them reversed my payment and sent me a notice stating that my bank rejected my payment 4. My bank ACH department have no record of Navient submitting payment 5. I have called Navient and spoken to a representative who told me your bank rejected your payment 6. I need Navient to provide me proof that my bank rejected my payment Thank you kindly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: FL

Complaint narrative:
XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, Transunion and XXXX for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/2017 I applied for a used car loan with XXXX a division of Santander. The loan was approved ; however I did not agree with the terms of the new loan and asked for it to be withdrawn. Each day since I would receive a phone call from XXXX ( XXXX ) telling me I was approved ; I would express again that I was not interested in the loan and asked to have my application withdrawn. One XX/XX/2017 I received a call from XXXX XXXX, a representative of XXXX. He stated that my loan was approved and went over the terms again, I explained that I would be waiting a couple years to buy a car as I just finished a Chapter XXXX BK and wanted to get better terms and again asked to have my application withdrawn ; at this time XXXX XXXX become rude and aggressive. I also asked if it were possible to have the multiple inquires from XXXX and Santander removed from my credit report to which I as met with more aggressive actions of " Maybe you do n't know how credit works but when you apply for a loan the inquiries stay on your report '' and then proceeded to hang up without properly ending the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIVE STAR MORTGAGE
State: NV

Complaint narrative:
Mortgage Broker : Five Star Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Loan # XXXX Our mortgage broker and lender didn't follow the FHA guidelines. 
This was a vacant foreclosure, and no one upheld the FHA required inspections, that were to occur. 
We had this home inspected by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX or XXXX XXXX on XX/XX/XXXX. They overlooked several major items that needed to be replaced or repaired. 
And the FHA Appraisal was completed on XX/XX/XXXX by XXXX XXXX Lic # XXXX XXXX. They also overlooked the needed repairs. 

We closed on the home XX/XX/XXXX, but moved in on XX/XX/XXXX. 

We then discovered : Mold around baseboards No Hot Water Garage Door opener malfunctions Kitchen sink pipes came apart, they were cut to short 2nd floor bathroom pipes also were cut to short Corroded light fixtures Non-working electrical outlets, even wires exposed Water Recirculating pump is burned out Window screens missing No GFI switches in upstairs bathrooms Additional broken window in bedroom White particles coming from vents Entry doorswere not properly installed or sealed Roof was never inspected Underground water sprinkler system is not working We believe, these issues were intentionally overlooked or minimized by the inspectors, for the benefit of the mortgage lenders and the realtor. 

Please let us know what canbe doneabout this situation. We've attempted to reach out tothe XXXX Inspector, XXXX XXXX, his manager XXXX XXXX, CEO and even their corporate office, without any success. 

Our realtor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX or XXXX XXXX, did NOT provide us with a copy of the Seller 's Disclosure Statement, until two weeks after we had closed. Therefore we were not aware that this property had been a foreclosure and that there had been mold issues. 

If you require any additional information, please let us know. 
Thank you for your urgent assistance in these matters.

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 monetary relief
Consumer complaint received 2017-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: FL

Complaint narrative:
XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to equifax, XXXX  and XXXX for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: FL

Complaint narrative:
XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, XXXX and Experian for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
I 'm disputing the following debt with AFNI a collection agency in the about of {$310.00}, from XXXX. I 've contacted AFNI and was sent a bill. Well the bill is n't my bill and is a result of fraud. I have attached fraud paper from the IRS, also the address listed on the bill is n't my address. The bill date that was sent to me from X/XX/12 is from an address in XXXX XXXX Florida. At that time I was living in a total different city my address was XXXX XXXX XXXX XXXX XXXX XXXX Florida.. Again I was a victim of fraud and have a personal identification number for filing my taxes. I also check AFNI for license to collect in Florida after they were give me such a hard time after I told him that this account was fraud they have no license to collect on a date in Florida. Please see attached paper stating AFNI is n't license to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: GA

Complaint narrative:
I disputed a tax lien on my transunion credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I filed a dispute on X/XX/2017 and the dispute was completed by X/XX/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 148, page 846 in the purported amount of {$850.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Upon checking my credit report synchrony bank have a few cart on my report they are not my cards they are not even under my social security number they all were all Open around the same time. They should have knew something was wrong then now I have to deal with this and no one is helping I have disputed with all three credit companies nothing had happened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: AL

Complaint narrative:
My SSI Benefits were posted to my Direct Express Debit Card on XX/XX/2017 in the amount of {$730.00}. I accessed my card on XX/XX/2017 to withdraw my funds and I discovered that I only had a balance of {$3.00} in my account. I contacted Direct Express on XX/XX/2017 to find out what was going on with my account and was advised that there were over 25 withdrawals against my account over a period of 7 days all coming from a XXXX XXXX XXXX Account ( which I have no idea as to what this is ). I advised them that this was not anything I authorized. Customer service deactivated my current card ( to stop anymore activities from coming across ) and said I should receive a new card within 10 days and I needed to contact their fraud department ( which I did ) and file a report so I could get my benefits back. I filed the report and on XX/XX/2017 I received a letter in the mail from Direct Express which stated the following " The fraud services department has completed our investigation of your claim dated on XX/XX/2017 in the amount of {$730.00}. Based upon our review of the information you provided as well as our internal records and you card history, we can not confirm that fraud occurred. Our investigation indicated that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. '' First of all it was not a transaction it was a combination of over 25 such transactions against my account and what bank allows that to happen with a persons SSI Benefits which they rely on for support every month. I feel like they did not try to retrieve my funds and they should because I reported it as fraud and contacted them as soon as I was aware that my benefits were no longer on my card. Please Help. In fact as I was on the phone with them reporting my claim they could still see charges trying to come through even after my card was no longer active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
On XXXX XXXX 2017 my mother XXXX XXXX. On XXXX XXXX, my sister and I went to court to become administrators of her estate. We faxed these documents in to Loancare. We spoke to them on the phone and they told us what we needed to fax in. We faxed in the court documents and the XXXX XXXX. They had my sisters phone number on file. Days went by and we had n't heard anything from them. So my sister called them and they said that they had been trying to call my XXXX mothers cell phone. They did not try to call my sister, and they did not send a letter. These people are lazy. When we did talk to them they said that they did n't have the documents that they needed. I have a read receipt from the fax that proves that the documents were sent and that it did go through. On XXXX XXXX, 2017 I sent the documents again through email. On XXXX XXXX we sent them a check to pay off my mothers house loan. On XXXX XXXX we received an email saying that they received our request and gave us a ticket number. On XX/XX/2017 My sister spoke with them again. They said that they could n't talk to us because they did n't have the correct documents. After nearly an hour on the phone they finally found the documents but said they could not talk to us because they have not processed them! This is their fault for not doing their job.They refused to let my sister speak to a supervisor but she demanded and they finally said that they would have one call her back. These people have made our lives so much harder than what it already has been. They are awful. We have went through enough losing our XXXX year old mother and us only being XXXX and XXXX having to deal with this loss. No one has been compassionate. No one has even been nice. No one has tried to help us at all. Every single person that we have talked to has given us the run around. Please fix this. I do not want anyone else to have to go through the absolute torture that we have had to go through with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: ME

Complaint narrative:
I sent CFPB a complaint on X/X/17 stating that I did not agree to cosign a student loan for my granddaughter. Sallie Mae responded X/XX/17 stating that they could not provide a call recording because it is proprietary information. They attached the Application, Promissory Note and Final Disclosure.
On the promissory note, page 4 it states " Your signature on this Note is binding ... '' The Note is 7 pages and there are no signatures on any of the 7 pages, nor are there any signatures on the Final Disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO

Complaint narrative:
Rushmore Loan Management Services recently purchased my servicing from XXXX XXXX. My first payment to Rushmore was due XXXX XXXX, 2017. My complaint is in regards to its requirements to establish an online account to manage my account as it requires a FULL social security number with no alternative to establish an online account. My concern is in regards to Rushmore 's apparent lackadaisical handling of my private information, specifically my SSN. It seems ridiculous to require a FULL SSN in this day in age, especially via online. Rushmore 's approach gives me pause as to what other lackadaisical policies it has that jeopardize my private info and whether or not they are meeting the requirements of privacy protection. Furthermore, I never received a Welcome Letter from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I  CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation