vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXX to present..Wells Fargo, we had a Private loan with XXXX for {$15000.00} that {$15000.00} went to {$18000.00} Wells Fargo says we have another loan transferred from somewhere else for {$10000.00} which turned out to be {$13000.00} we have been paying on this loan for 8 years now and it is still {$25000.00} I want to know what gives the right to sell my loan with the accrued interest rate also? And then where did the {$10000.00} loan go to, where did it come from? I have check all my bank statements and the only one I can see accounted for is the {$15000.00} loan that was transferred from XXXX. I have another Private Loan through XXXX now, which was XXXX XXXX and it is for {$10000.00} that was suppose to come from XXXX. I called and asked my School for a report of all the loans that were taken out to go to this school and the lady was a XXXX XXXX. and told me to go to XXXX, they only report what they are told through all these companies. And their report is something totally different, than what is being reported through these loan companies. And then I have a subsidized loans that I believe XXXX has charged me their {$22000.00} that I had borrowed back in XXXX for XXXX XXXX University, and now I have another {$27000.00} loan, all my loans were with XXXX and they sold all my loans to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and who knows what else. But they all go bundle together X2, I am no accountant, by my student loans went from {$22.00}, XXXX in XXXX to {$89000.00} at the end of XXXX At which XXXX also took out a {$4000.00} loan in XXXX of XXXX and I wasn't attending school since XX/XX/XXXX, due to failing and then they wouldn't let me back into school, I was deafly sick and eventually ended up having XXXX, but because I had dropped the program 2 times I wasn't allowed to go back to school. I have a statement from XXXX showing that I had only borrowed total amount {$16000.00} - $ XXXX does not equal out to {$89000.00} I have called all these companies and not one of them can send me a signature copy or contract of any of these loans, with the exception of the {$22000.00} ad {$15000.00}

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 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
One rep says they made a mistake and will remove the account - now another rep says that I owe this valid debt from 2011 and want the payment in full ( somehow went from {$300.00} to $ XXXX ). No one help 's at XXXX 's and they are trashing my good credit by reporting the account late 90+days every month!

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 2018-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
The car that was allegedly sold to me was repossessed with the Exeter Finance and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The Exeter Finance decided to keep the car as compensation and therefore I no longer owe the original creditor for the vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. 
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement If there have been any other changes or adjustments since the last billing statement from the Exeter, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. 
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
If the vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I was in bankruptcy, the trustee paid the company over {$40000.00} then I paid them three years thereafter.They sold my mortgage and the money the bankruptcy Court paid never was put on my balance.So I am trying to find out what happened.This is a very slow process.Can or will you help.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
One rep says they made a mistake and will remove the account - now another rep says that I owe this valid debt from 2011 and want the payment in full ( somehow went from {$300.00} to $ XXXX ). No one help 's at Barclay 's and they are trashing my good credit by reporting the account late 90+days every month!

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 2018-05-01 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
From outset of lease in XX/XX/2017, we repeatedly tried to have Toyota Financial debit our account for the monthly lease payment. In XX/XX/2017, we sent Toyota the appropriate form to complete the transaction. Later we were told that this had been processed. As an elderly couple that occasionally travel, we assumed the matter was settled. Instead when we arrived home in early XXXX, we had been billed double the lease payment plus late fee. This indicated Toyota had not drafted our account. Promptly we paid their invoice and again went through the troubles of setting up this drafting.

Driving 50 mile round trip to the Toyota facility in XXXX from where we had leased the car, the financial officer instructed us to again complete and file a draft authorization. Meanwhile Toyota notified us that we had to pay 100 % of the remaining lease immediately.

Although the matter was finally settled, Toyota reported this to the credit bureau with the result that our good credit rating was adversely affect. I wrote to Toyota appealing this unjust treatment only to receive a reply from them refusing our appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: STIFEL FINANCIAL CORP.
State: MO

Complaint narrative:
We closed on our mortgage with XXXXXXXX XXXX  XXXX XXXX, and immediately we started receiving dozens of notices each week trying to trick us into completing a credit life product application. The notices come in red or pink to make it look as if we have missed something with our loan and are marked " Urgent! ", but this all began before the first payment was even to begin. We contacted the mortgage customer service department, even speaking with a supervisor who tried making excuses about the products being sent to us. We took ourselves opted out of prescreening long ago so we no longer receive these type of offers, and eventually the supervisor admitted it was Stifel who provided our information to third parties to solicit credit life products. She then assured us that we would no longer receive the offers as she would remove us from the list, but several weeks later we are still receiving dozens of offers every week. Our loan isn't even with Stifel anymore ( transferred before the first payment was even due ), and we are still receiving dozens of offers every week regarding our Stifel loan ( which we don't even have anymore ). This is absolutely not anything we ever signed up for ; just because we closed on a home does not mean we want the details of our mortgage shared with third parties. And the way the solicitations come is probably barely legal as it's difficult to identify the purpose of the " urgent notice ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: TN

Complaint narrative:
XXXX does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason Experian can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in 2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of Experian and find why the XXXX this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.

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 2018-05-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Before, I got my car loan with XXXX XXXX XXXX XXXX, I went to XXXX Dealership, XXXX check to see if they could give me a loan and all these other companies was on my credit report, I want them off!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: NV

Complaint narrative:
Requested Credit Line increase with XXXX. They state in their online system that they will not do a hard credit pull, but I got a hard credit inquiry.

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 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my HIPPA rights. XXXX XXXX XXXX has my medical information without me signing a HIPPA release form that releases my medical information to them. I have not received a response as of XX/XX/2018 of this item being removed from my credit report. I am in clear violation of my rights according to HIPPA. This derogatory mark reflects very negatively on my credit report. XXXX is embarrassing me by reporting incorrect items on my credit report resulting in me being denied while trying to purchase my first home. I am a serious consumer who is proceeding with legal actions against XXXX should this item not be deleted from my credit report ASAP!

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 2018-05-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have filed several disputes with XXXX dealing with a few accounts. i have sent proof that the information is not reporting correctly, yet they send automated letters saying it updated and verified. it can not be verified as it still reports incorrectly. i have asked for information on how the investigation took place and what info did they have to prove that the information is correct. On XX/XX/XXXX they received the first dispute asking to investigate along with PROOF. they responded that the information was updated, however it was NOT. on XX/XX/XXXX i sent a re-investigation letter asking for details of how the proved the account they did not send any information but claimed it was verified. they did not aknowledge any letter i sent. XXXX XXXX has admitted that they do not have any information to validate that I am truly liable to a debt, yet XXXX  says they have it and will not send to validate the debt.

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 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I learned about several inquiries on my credit report that I did not authorize. I contacted TransUnion by letter twice stating that the inquiries were unauthorized and I had no knowledge of them. They refused to remove them stating that inquiries were factual and that would stay on my report for two years. How can they say that when I never gave any of the companies permissible purpose to pull my credit? And they have yet to provide me of any proof of such! What TransUnion is doing is a clear violation of the FCRA.

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 2018-05-01 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
SYNCB/WALMART does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason XXXX can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in 2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of XXXX  and find why the XXXX this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.

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 2018-05-01 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: TN

Complaint narrative:
XXXX does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason Experian can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in XX/XX/2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of Experian and find why the XXXX  this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.

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 2018-05-01 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: TN

Complaint narrative:
Old Case # XXXX No one can validate this XXXX 's account - no signatures, no ID 's, not tracking numbers, no. They are supposed to keep these on file, but instead the only sent me unsigned receipts for purchases in the state of Florida. That is not validation! They are also reporting the account late and with a balance. How can this be legal.

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 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CT

Complaint narrative:
PNC services a mortgage on a property that is being sold through a short sale. The house has been listed for sale sinceXX/XX/XXXX, starting at {$450000.00}, and incrementally lowered until we started to get showings, at a price of {$390000.00}. OnXX/XX/XXXX, PNC had an appraisal done on the property. It came in too high, but PNC will not consider any offers unless they are equal to the XX/XX/XXXX appraisal amount. I sent evidence of issues with the property, poor layout, across from a major highway, cell tower facing the backyard of the property, to no avail. We have had 29 showings on the house since it was listed, and received one offer, on XX/XX/XXXX of {$350000.00}. PNC rejected the {$350000.00} and countered at {$420000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: AL

Complaint narrative:
XXXX XXXX dba Supreme Lending has taken over 90 days and counting to close on my loan. I have had to pay for 3 extensions through HUD due to Supreme Lendings underwriting department taking 3 weeks to review my loan documents. Please investigate 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 2018-05-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
From outset of lease in XX/XX/XXXX, we repeatedly tried to have XXXX XXXX debit our account for the monthly lease payment. In XX/XX/XXXX, we sent XXXX the appropriate form to complete the transaction. Later we were told that this had been processed. As an elderly couple that occasionally travel, we assumed the matter was settled. Instead when we arrived home in early XXXX, we had been billed double the lease payment plus late fee. This indicated XXXX had not drafted our account. Promptly we paid their invoice and again went through the troubles of setting up this drafting. 

Driving 50 mile round trip to the XXXX facility in XXXX from where we had leased the car, the financial officer instructed us to again complete and file a draft authorization. Meanwhile XXXX notified us that we had to pay 100 % of the remaining lease immediately. 

Although the matter was finally settled, XXXX reported this to the credit bureau with the result that our good credit rating was adversely affect. I wrote to XXXX appealing this unjust treatment only to receive a reply from them refusing our appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: STIFEL FINANCIAL CORP.
State: MO

Complaint narrative:
We wanted to make sure it was known that after a thorough search of options, we selected to apply for a VA Home Loan with XXXXXXXX XXXX XXXX XXXX. Everything sounded great, and there was absolutely no mention that the loan would be sold until we found it in the edocument disclosures to sign. Their online system actually scans past all of the disclosure information and sends you straight to the signature line. We had to scroll back up to read all of the information in the disclosures. ( Luckily, we did that because there were several errors. ) Needless to say, in the middle of all of the disclosures is when we found out the loan would be transferred. This is what we consider to be another shady practice of Stifel, and we think that the mortgage officer should have talked to us about the transfer up front. We should have known before we decided to lock in our rate and push forward with closing with Stifel that they would not hold our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX , Nathan & Nathan P.C. , are trying to collect a credit card debt of XXXX in civil court XX/XX/XXXX in XXXX , TN. I have XXXX   XXXX XXXX and on XXXX. I started XXXX XX/XX/XXXX. I closed this account XX/XX/XXXX at that time after making a payment the csr informed me that late charges and fees would still be added to the account of approx. {$1400.00} which is now XXXX. I tried to get a home equity loan and was told XXXX XXXX do not do home equity in TN. After getting a letter from the above law firm ( that talk to you as if we still live in slavery time ), I tried to get a auto loan from XXXX XXXX XX/XX/XXXX and was turned down because the csr said they do not refinance vehicle. My medical condition I can not do alot of walking especially in hot humid weather if I make it to the courtroom XX/XX/XXXX I may not be able to speak loudly.if I don't pass out. XX/XX/XXXX I am schedule to have a consultation on getting a reverse mortgage to pay this debt and others with the equity in my home.CFPB # XXXX. Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation