vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Lendmark Financial Services
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LANDMARK FINANCIAL SER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/19 I filed a complaint that accounts I disputes on XX/XX/2019 claiming the accounts were not mine and that the legal timeframe of 30 days has passed but Equifax has NOT removed those accounts as the FCRA law clearly requires. see complaint # XXXX In Equifax 's response they admit the creditors did not respond until XX/XX/2019 Yet have refused to follow the law and remove those accounts.

Equifax is recklessly and deliberately ignoring their legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
After graduated with my XXXX from XXXX XXXX College. I decided to continue my journey and go for my XXXX  right after. I was told that my private ( Sallie Mae ) loans would be put on hold for the meantime until I finished school. Once I finished up school and began to look for a job that could afford the loans and support me my loan kicked in. At the time I only owed about XXXX which was understand able for the type of education that i received in the matter of 5 years. One afternoon, after doing research and calls. I reached out to Sallie Mae to let them know that the job that I got I wasn't making enough to be able to pay the month balance. I was then told by the agent. " We offer a program where we can put your loan on pause for a certain amount of months. '' I was then told this would be good for me because I could focus on my other loans and bring them down so that I could have more room to pay the monthly with Sallie Mae/Navient. About a few months later I recieved a email, letter, phone calls stating that my payment was due on a certain date for 3x the amount that I couldnt afford the first time. I reached out to Sallie Mae and Navient and they told me that the loan was put on pause but that the interest was still building up in the back. I went from XXXX to XXXX. In a much worse situation that I was in to begin with. I got tricked into that forbearance plan. 

Please help me. I don't know who to go to in order to have them review my loans and what illegal practices have been committed. I really think I have been a victim of the allegations against navient / sallie mae. I know I am not the only one. These people are thieves. I will be paying these debits off until I am XXXX years old. It has delayed me from buying a house, settling down and starting a family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX shows 30 days late payments on XX/XX/XXXX, XXXX & XX/XX/XXXX while XXXX & XXXX shows 30 days late payments on XXXX, XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
on XX/XX/XXXX my father passed away. The home that I have resided in since XXXX had a mortgage on it in my fathers name. In his trust the home was left to me and has been deeded to me. I have been in contact with Freedom Mortgage since XXXX trying to pay off this loan. On multiple occasions I have been told the pay off has been requested only for me to call a week later after not receiving it and being told they need additional information. To date I have sent them a copy of the trust, my driver 's license, the death certificate, the certification, a copy of the deed, deeding the property from my father to the trust and then a copy showing that the property was deeded to me from the trust. on XX/XX/XXXX I spoke with a supervisor named XXXX ( identification number XXXX ) who assured me that they had all of the documents after a month and a half long battle and that the payoff would be requested with haste. On XX/XX/XXXX I received a letter mailed on XX/XX/XXXX stating that they needed a copy of my birth certificate to prove that I am related to my father. This is an excessive breach of my personal information at this point. They have every legal document showing that not only was the home an inheritance gift to me - but that it has been legally deeded to me. I called and spoke to a representative named XXXX ( identification number XXXX ) on XX/XX/XXXX who told me they should not be asking for my birth certificate, then asked who my step mother was ( she had faxed in documents to them as well ), and then told me they did need by birth certificate. It is my personal belief that since I am paying off the loan they are attempting to run up the interest on the home. Currently since this process started they have earned an additional two months of interest and since I have had to send away to vital statistics in order to obtain my birth certificate it looks as though they will be obtaining an additional two months. Every time I speak with a representative I am told whatever document they are requesting is the last one and then I will be able to obtain the payoff. This never happens.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received an email that my information had been breached with Equifax XX/XX/2019. I clicked on the link in the email that was provided : https : //eligibility.equifaxbreachsettlement.com/en/eligibility to check my records. When I checked my last name and last 6 of social, I received this message : Based on the information you provided, our records indicate your personal information was impacted by this incident. My credit has been impacted with inquires and accounts I did not authorize and had any knowledge of. Equifax confirmed that during the data breach my personal information was exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This debit collect from Comenity Bank called me at XXXX Az Time on XXXX. Phone # XXXX. When answering I asked who it is calling and she stated Comenity Bank. I advised it is XXXX which violates fedral law. Once I said the she started to scream over me while explaining the law she violated, she than said we will call back and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Contacted by Trident Asset Management, concerning an account purchased by XXXX XXXX XXXX dealing with XXXX account from XXXX. The information supplied by Trident shows bills from XXXX dated XX/XX/XXXX and XX/XX/XXXX. It lists two account for the following amounts, {$450.00} and {$580.00}. These bills show current billing and credits. The last XXXX account that I had was for XXXX service on a house that we owned. That house was sold in XX/XX/XXXX. I have sent 4 letters and made numerous phone calls to Trident to clarify this matter. I have summited Court documents with the date of the sale of the house. Trident continues to list this as a valid debt on the credit bureau sites.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-22 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I disputed it with XXXX  and they are still reporting the information is correct. Someone used my information. I have no recollection of this account and it is killing my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I submitted a payment on XX/XX/XXXX from my Huntington bank account, later Huntington charged me monthly fee. The monthly fee was the reason the balance of the account went below XXXX. 

I opted out from overdraft, but was still charged a {$23.00} over drafting fee for that. Also, despite the fact that the payment was made prior to the monthly fee being, the payment was withdrawn by Huntington. 

I closed my Huntington bank account on XX/XX/XXXX given this is the worst banking experience I have ever had, only to find that I was charged a {$5.00} fee for closing the account, which is ridiculous. 

Also, when I opened the account in XXXX, I clearly told the bankers I do NOT want to purchase additional checks. However a transaction was made without notifying me to purchase checks. I also received A LOT of spam calls stating themselves got my information from Huntington, trying to sell me insurance I clearly told the bankers I do not need.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient calls are continuous and harassing, so much so that I will block the numbers and they will call using a different number. 
Calls will start at XXXX in the morning, weekends and XXXX at night. I will receive 8 calls or more per day throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX   Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Complaint Number : XXXX XXXX Ms. XXXX, Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ). 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB. Please contact me by XX/XX/2019, to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX. to XXXX XXXX Eastern. 

I look forward to assisting you. 

Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX extension XXXX XXXX- XXXX This message, and any attachments, is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http :  //www.bankofamerica.com/emaildisclaimer. If you are not the intended recipient, please delete this message. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Attachments XXXX XXXX  ( 8 minutes ago ) to XXXX Hello XXXX, My account is still being charged for services that I did not receive and use. I do not have access to a telephone, therefore e-mail is the best way to contact me. Yes, I did reach out to the CFPB and I will send this latest email and attachment to them as well. 

Thank you! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I can not resolve this issue as I do not have phone access. I tried e-mailing Mr. XXXX but there's a statement saying the inbox is not being monitored. Bank of America charged the {$65.00} back to my account making it go into overdraft again.

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 2019-10-22 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: LA

Complaint narrative:
All 3 reporting companies previously removed false information and are now reporting it again causing a drop in my credit score, even after they did a reinvestigation. This has GOT TO STOP!!

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 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX to XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: SC

Complaint narrative:
I disputed it with XXXX  and they are still reporting the information is correct. Someone used my information. I have no recollection of this account and it is killing my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: LA

Complaint narrative:
All 3 reporting companies previously removed false information and are now reporting it again causing a drop in my credit score, even after they did a reinvestigation. This has GOT TO STOP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: LA

Complaint narrative:
All 3 reporting companies previously removed false information and are now reporting it again causing a drop in my credit score, even after they did a reinvestigation. This has GOT TO STOP!!

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 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I AM A SENIOR CITIZEN OF WHOM HAS SUFFERRED XXXX XXXX ILLNESS I PURCHASED MY HOME YEARS AGO FIRST LENDER XXXX XXXX THEN TRANSFERRED TO XXXX XXXX OF WHOM TRANSFERRED TO XXXX XXXX XXXX THEN THE LOAN WAS TRANSFERRED TO RUSHMORE MORTGAGE. MY PRIOR SERVICES HAD MY NOTE AT ALMOST 1300 a month upon transfer from XXXX XXXX it transferred to XXXX XXXX OF WHOM RAISED IT TO {$1600.00} .THEN IT WAS TRANSFERRED TO RUSHMORE OF WHOM IS CHARGING ME XXXXA MONTH. I HAVE NEVER REFINANCED NOR BORROWED ANY MONEY.XXXX XXXX TRIED TO GET ME A LOAN MODIFICATION OF WHICH I DECLINED AND ANY. DOUCUMENTS TO THAT EFFECT IS FRAUD.MY INSURANCE HAS ALL WAYS BEEN WITH XXXX WHICH I PAID AND NOW WITH XXXX.THEY STATED THE RISE IN PAYMENT WAS DUE TO INSURANCE. MY LOAN PAYMENTS WERE SUPPOSSED TO BE INCLUDED IN MY ORIGINAL PAYMENTS OBVIOUS IT WAS NOT.THUS THE INCREASE IN MY LOAN PAYMENTS.I AM A XXXX YEAR OLD SENIOR XXXX AND MY HEALTH IS DECLINIG DUE TO THIS FRADULENT ACTIVITY.MYHOME HOME VALUE HAS .. 









H MY LOAN HAS TRANSFERRED THREE TIMES.I HAVE ALWAYS PAID MY OWN INSURANCE.MY LENDERS ALSO STATED THEY INCLUDED MY INSURANCE WITH MY PAYMENTS. XXXX XXXX AND XXXX. IWAS PAYING MY OWN INSURANCE WITH XXXX XXXX AND NOW XXXX.I SENT XXXX   {$7000.00} AND THEN {$5500.00} OF WHICH THEY INDICATED I OWED.NOW RUSMORE UPON TRANFER TO THEM HAVE RAISED MY MORTGAGE PAYMENT TO {$2000.00} A MONTH.I AM A XXXX SENIOR OF WHOM MY ORGINAL XXXX XXXX MY ORIGINAL MORTGAGOR CAN ATTEST WAS TIMELY IN MY PAYMENTS.MY ORIGINAL LOAN WAS {$160000.00}. I NEVER REFINANCED NOR BORROWED AGAINST MY HOME.WHEN TRANSFERRED TO RUSHMORE MORTAGE THEY HAVE ASSESSED ME OWING ALMOST {$300000.00}. THAT IS FRAUDELENT MY NEW PAYMENT IS NOW {$2000.00} A MONTH.PLEASE INVESTIGATE. I AM XXXX YEARS OLD AND VERY ILL. I NEED HELP XXXX THEN TRANSFERRED TO NATION STAR OF WHOM TRANSFERRED MY LOAN TO RUSHMORE MORTGAGE OF WHOM IS CHARGING ME ALMOST 2100 A MONTH. I HAVE NEVER NOT PAID MY OWN INSURANCE AS I HAD XXXX FOR YEARS AND NOW XXXX. PREVIOUS MY TAKES AND INSURANCE WAS COVERED BY MY PAYMENT.+

Company response to consumer: Closed with explanation