vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The loan was obtained under false pretenses that if I made 9 monthly payments I would have the option to get the payment lowered. However after making t hat 9th payment   Wells Fargo co ntinued to mis-represent their product that they sold me. I was given false representation on this product in order to make a sale. I was told I have no other option other than to get my credit pulled and refinance the loan as a whole.

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 2017-05-16 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: National Account Systems of Omaha, LLC
State: IL

Complaint narrative:
I have sent several letters and a police report.  XXXX  is having a problem removing this off my credit report. I never had a car loan from  National Account System  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , (  XXXX  )  XXXX . I never lived in  XXXX ,  NE  and asked them to send me proof of the sign contract and no response. Please remove this off my credit report. The dates was  XXXX / XXXX /  XXXX   collection date and loan begin in  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 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
Upon moving out of my apartment, managed by  XXXX   XXXX , I was sent a bill for various charges which were not described to me on the bill. The charges on the bill I was sent also did not add up correctly ( the total amount due did not equal what each line item added up to  ).  The bill clearly says not to contact the propert y manager  if you are disputing the bill, but to send an e-mail to the company and provides the e-mail address to send it to. I did this before and after the due date of the bill and received no response.  XXXX   XXXX  then sent my bill to a collection agency  National Credit Audit Corportation. They have re peatedly told me that I must pay the bill sent to them even thou gh it is not the same bill I received or it will affect my credit score. I told the person there that I have trie d contacting the management company to dispute the charges and they refuse to respond. I am now planning to file a complaint against  XXXX   XXXX  ( and possibly National Credit Audit Corporation ) in the Magisterial " small claims '' court. I believe I have a right to speak DIRECTLY to the party sending me the bill and dispute their erroneous charges.  XXXX   XXXX  is only trying to bully me by stonewalling my dispute and hiding behind a collection agency which is an unfair and unethical practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received my credit report from Equifax on  XXXX / XXXX / 2017  confirmation #  XXXX  after filling disputes regarding items on account. The updated Reinvestigation report received showe d SEVERAL it ems that had been deleted from my credit file. Then I received another report from Equifax dated  XXXX   XXXX ,  2017 , confirmation #  XXXX  that showed the items that had been updated and deleted back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I  XXXX   XXXX   XXXX , obtained financing from   XXXX   XXXX   in   XX/XX/XXXX   as an INTEREST ONLY Loan paying paying flawlessly for 15 years {$1800.00} until   XX/XX/XXXX   I missed my first payment because of a pending  retirement . I requested a Loan Modification that would have been in line with the projected Social Security Monthly Benefit Payment, however,  XXXX  did not response, but did write a on   XX/XX/XXXX   stating that I was in default, then suddenly sent another letter dated   XX/XX/XXXX   informing me that the Mortgage was transferred to SLS, I immediately applied for a Loan Modificcation with SLS sending the  1st.  completed request package on   XX/XX/XXXX   explaining in my hardship letter, I was  retiring  in  XX/XX/XXXX , and wanted to remain in my home. I furnished in that request a  Letter f rom th e Social Security Administration sho wing my reduced income will go into effect on   XX/XX/XXXX  .  SLS OFFERE D THE LETTER AND OFFERED A LOAN MODIFICATION BASED ON MY SALARY. I refused the offer and month after month, with each newly assigned Relationship  Manager, I sub mitted a Request for a Loan Modification ( RMA ) I used the  XXXX   XXXX   XXXX  Forms. I extended my  retirement , and medical treatment to   XX/XX/XXXX .  To date, no offer of a Loan Modification inasmuch as I can show Social Security Deposits in my Ba nk Statements. I tried to short-sell, and with offers sent to SLS, there   have not been any responses to the short=sell. I cancelled the short-sell in   XX/XX/XXXX , an d have sent Loan Packages in   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   a nd  XX/XX/XXXX  el ectronically. I want a loan modification based on my reduced financials. I paid over {$260000.00} in interest to   XXXX   XXXX   for 15 years and have NEVER ONCE BEEN 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 2017-05-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  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 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Harley Davidson Financial Services Inc
State: AL

Complaint narrative:
In  XXXX  I financed a motorcycle through  Harley Davidson Finance.  In  XXXX  the loan was paid in full, however my loan was a charge off account. This has caused me to be denied credit for the last 2 years, because of their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: CA

Complaint narrative:
I originally collected students loan from  XXXX   XXXX  for both my   XXXX   and  XXXX  degrees at  XXXX  in  XXXX  and  XXXX , respectively. I started repaying for the first first loan in  XXXX  soon after I completed my   XXXX   XXXX    degree  and continued repaying for both loans in after completing my  XXXX  degree in  XXXX , thereby reducing the principal significantly. However, in  XXXX , due to death in the family and divorce, I had to file f or Chapter   XXXX  Bankruptcy. Even while in  Chapter   XXXX  bankruptcy, I continued paying until my debts were  discharged in    XXXX . During the time that I filed for  Chapter   XXXX ,  XXXX   XXXX  indicated to me that my loan had been paid in full by the guarantor and that my balance is {$0.00}, although per the bankruptcy requirements, I was still paying to the trustee for disbursement to  XXXX   XXXX .     Soon after my discharge in  XXXX , I was contacted by NAvient that they have bought my account and that they will be servicing my loan. however, to my astonishment, the principal balance on my loan had accrued interest and was significantly larger that the balance that I had prior to  Chapter   XXXX , which should have even been lower with the payments that I have made through the  Chapter   XXXX  period. I have tried to work it out with Navient with no success. They keep lying and providing false information. As can be seen in the attached, Payments that I made between  XXXX   XXXX  through  XXXX   XXXX  more than 10 years, have not been shown. I believe the balance on my principal is wrong, significantly inflated and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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:
In either   XX/XX/XXXX   or   XX/XX/XXXX  I  applied for a credit card with  XXXX    XXXX  Account   #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX   I was made aware by  XXXX   XXXX  that my account was past due {$130.00}. These charges were for a {$75.00} annual fee followed by late fees. I told the representative that I was in the hospital and  # 1 NEVER RECEIVED THE CARD AND # 2 NEVER A CTIVATED THE CARD. When I questioned the representative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Although   XXXX   XXXX   updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment on my credit for   XX/XX/XXXX  . I tried calling them again and even contacting the  XXXX  credit bureaus  (    XXXX   XXXX   and    TransUnion   )  but, the late payment is still there! How can this company report a 30 day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!

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 2017-05-16 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:
In eith er  XX/XX/XXXX  or  XX/XX/XXXX  I appl ied for a credit card wit h    XXXX   XXXX   / XXXX /  XXXX   A ccount #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX  I w as made aware by    XXXX   XXXX  / XXXX  that my account was past due {$130.00}. These charges were for a {$75.00}  annual fee followed by late fees. I told the representative that I was in the hospital and #  1 NEVER RECEIVED THE CARD AND # 2 NEVER ACTIVATED THE CARD. When I questioned the represen tative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Althou gh   XXXX   XXXX  / XXXX /  XXXX    updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment o n my credit for     XX/XX/XXXX   . I tri ed calling them again and even contacting the  XXXX  credit bureaus  (  XXXX   XXXX  ,  Equifax, and  XXXX   ) but, the late   payment is still there! How can this company report a   XXXX   day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In either   XX/XX/XXXX  or  XX/XX/XXXX   I applied for a credit card with  XXXX    XXXX   Account #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX  I wa s made aware by  XXXX   XXXX  that my account was past due {$130.00}. These charges were for a {$75.00} annual fee followed by late fees. I told the representative that I was in the hospital and #  1 NEVER RECEIVED THE CARD AND # 2 NEVER ACTIVATED THE CARD. When I questioned the represe ntative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Although   XXXX   XXXX   updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment on my credit for   XX/XX/XXXX  . I tried calling them again and even contacting the  XXXX  cred it bureaus (  Experian,  XXXX ,  and   XXXX   ) but,  the late payment is still there! How can this company report a 30 day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!

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 2017-05-16 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: IL

Complaint narrative:
I have sent several letters and a police report. Transunion is having a problem removing this off my credit report. I never had a car loan from  XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX , NE  XXXX , (  XXXX  )  XXXX . I never lived in  XXXX ,  NE  and asked them to send me proof of the sign contract and no response. Please remove this off my credit report. The dates was  XXXX / XXXX /  XXXX   collection date and loan begin in  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 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Technologies, Inc.
State: GA

Complaint narrative:
On  XXXX   XXXX ,    2016, Credit Technologies Inc placed  a hard inquiry on my  XXXX ,  XXXX , and   XXXX    credit  reports. I advised them that they did not have my written authorization to do so and I requested for them to remove it and it is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX   XXXX ,   XXXX    Bureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX   XXXX   DC  XXXX   XXXX  : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It  May  Concern : On  XXXX   XXXX ,   XXXX  , I received a letter from Equifax that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law. Equifax has not followed the law because they have not deleted the information per their own investigation.     I also understand that may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Seterus, Inc.
State: GA

Complaint narrative:
My mortgage loan was sold to Seterus XXXX XXXX. I went to by a car in XXXX XXXX and was denied a loan. It was discovered that Seterus was not reporting my mortgage payments which caused my credit score to drop by almost XXXX points. I immediately called Seterus and they identified that my mortgage payments were not being report and stated that they would start reporting and it will take 30 to 45 days. After 45 days they were still not being reported and I called them again. I was told that they only report missed payments. I contacted XXXX XXXX to file a complaint and XXXX @ XXXX XXXX XXXXXXXX XXXX contacted Seterus to advise them that they need to correct this by reporting my payments. They advised her that they had problems with there system reporting payments. As of XXXX XXXX they reported to XXXX only and falsely reported that they have had my mortgage since XXXX. The last credit report I pulled showed this and it also showed that the last payment that I made was XXXX of XXXX. This is incorrect because I pulled the credit report at the beginning of XXXX and I paid XXXX, XXXX and XXXX 's payment on time. I am trying to buy a car and move into a new home and this has negatively effected my way of life in a tremendous way.Thank you for your attention to this matter.

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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX   XXXX     XXXX   XXXX   Customer Relations  XXXX   XXXX   XXXX   XXXX , Ga  XXXX  --  XXXX  DA :  XXXX   XXXX ,  XXXX   RE :  Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid During Time of Loan (  XXXX   XXXX ,  XXXX  to  XXXX ,  XXXX  ) This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was  XXXX   XXXX  to  XXXX   XXXX ,  XXXX . According to my records Ive paid a total of {$34000.00} during my loan with you. How much interest was paid toward my mortgage loan during that time.   XXXX   XXXX   XXXX   purchased the loan from y ou (   XXXX   XXXX   ) I must inform you that my name could  have been listed as  XXXX   XXXX .  XXXX  when transferred..     Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to  XXXX    XXXX    XXXX , if everything was transferred to them at the end of the mortgage loan with  XXXX   XXXX   XXXX   XXXX   XXXX .     My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan.   Provide documentation of the year when mortgage loan should be paid in full according to your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I submitted a Request for Information to Nationstar on XX/XX/XXXX. Nationstar acknowledged my Request on XX/XX/XXXX advising that they would respond to the Request by XX/XX/XXXX. As of today 's date, Nationstar has failed to respond to the Request for Information.

Company response to consumer: Closed with explanation