vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 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: AL

Complaint narrative:
XXXX XXXX Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 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 — Their investigation did not fix an error on your report
Company: ERC
State: MO

Complaint narrative:
This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my XXXX report via a collection agency and the new date shown. 
XXXX has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: CL Holdings LLC
State: MO

Complaint narrative:
XXXX reports both my birthdate and SSN incorrectly after electronically submitting dispute and documents as proof. This account with XXXX was proven as inaccurate and falsely reported by the opposing CRA of XXXX and XXXX XXXX. 
XXXX briefly deleted the account but reposted the debt under another collection agency 's name. 
The account has been proven inaccurate with all three ( 3 ) CRA.  XXXX, like XXXX, disregards the inaccuracies. Both seem to disregard the law and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
My mortgage servicing company is taking a rediculous and incorrect amount of interest on my monthly payments on a simple interest loan. 
My payments are not being applied correctly. They are stealing interest. 
( acording to their own records attached and beginning on the last page in the 2013 year when they begun servicing the loan ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I ordered my 3 annual credit reports and it wouldnt let me retrieve any of them. I am a XXXX XXXX  an mother of XXXX children. My wallet had gotten stolen twice an I am on welfare.

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 2018-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo home mortgage has made things worse. I have tried for two weeks to simply recast my mortgage. I was told someone from that department would call me within " 24 hours '' and no one has. Then I was told to go to a local branch and apply funds for payment, instructing the teller to apply all funds to principal, as ordered by Wells Fargo. Teller incorrectly applied some funds to income. I alerted Wells to this and now they have reversed the entire payment, over {$210000.00}. Sp, my check has cleared and Wells is saying they have never received it due to a clerical error. 

I have been serially abused by this incompetent institution. How the government is allowing this institution to survive is beyond me.

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 2018-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had sent in XX/XX/XXXX my paper work for forbarrance with Navient. They failed to call me or send emails or papers in the mail stating that they needed more information to process my paper work. I had to call them myself to find out, and I just called them in the beginning of this month, XX/XX/XXXX, my payment plan ends this month also. Then I spoke with a gentlemen that said I needed my husband who has nothing to do with my student loans, we file spereatly every year in taxes, information and I told him no it states in the paper work they do if we file together in which we do n't. Then I look again at my online account with Navient this moring, XX/XX/XXXX and I was charger XXXX to my account for no reason. I get hit with interest every month that adds up to maybe {$150.00} a month. I will be calling them about this matter this morning. I am so frustrated with them not contacting me if information is needed and charging me when it is not needed. I ended college in XX/XX/XXXX with XXXX in loans I am not almost at XXXX in XX/XX/XXXX. Not right for them to charge this much in interest. I should not own them this much. Something needs to be done and I want them to fix my loans, no one ever has a straight answer when I call either. I would never recommend them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
Public Records - Bankruptcy sent letter to LexisNexis XX/XX/XXXX 2017 requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. LexisNexis refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party LexisNexis and they could not delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: AL

Complaint narrative:
I have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

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 2018-01-22 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: AL

Complaint narrative:
I have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased a toyota corolla from the dealership. Santander Consumer USA was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And Santander 1099A for the first two months car was reported as paid as agreed then Santander in XX/XX/XXXX added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed UCC1, UCC3, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note Santander Consumer USA was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: AL

Complaint narrative:
I have no knowledge of any accounts with XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

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 2018-01-22 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: AL

Complaint narrative:
I have no knowledge of any accounts with XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: AL

Complaint narrative:
I have no knowledge of any accounts with XXXX XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

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 2018-01-22 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: AL

Complaint narrative:
I have no knowledge of any accounts with XXXX XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
Public Records - Bankruptcy XX/XX/XXXXsent letter to LexisNexis XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. LexisNexis refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party LexisNexis and they could not delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Public Records - Bankruptcy XX/XX/XXXX sent letter to XXXX XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. XXXX refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party XXXX and they could not delete the item.

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Public Records - Bankruptcy XX/XX/XXXX sent letter to XXXX XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. XXXX refused stating it was n't their policy to delete accurate information. 

I contacted Equifax with the same letter and the also stated it was not reported by them but sent to them by third party XXXX and they could not delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pathfinder Credit Services
State: FL

Complaint narrative:
I contacted the company and sent them supporting documents that I was a victim of identity theft and I never attended XXXX XXXX school they we 're being Extremely rude I told them another company Had the account before I disputed it with them also and give them a police report and also to all three credit bureaus over the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened an account with BOA, which I had in good standing for several years. I had never had any negative occurrences with my account. My account was compromised and as soon as I notified the bank they shut the account down. I reported to the police as well as the bank of what happened. 
As a result of this I was listed in XXXX XXXX XXXX & XXXX as fraud activity. Which to other institutions it looks as though I committed fraud which was not what happened. I have contacted the fraud department submitted a dispute and explained thoroughly what happened without any changes as a result I am not able to open a checking account. 
I was not aware of CFPB so I did n't file a complaint when all this first 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 explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: PA

Complaint narrative:
American Education Services/Pheaa recently reported my account delinquency status to the major Credit Bureaus in response to the account being delinquent. The Credit Report reflected a past due amount of less than {$100.00}, however, AES was requiring a payment amount of {$180.00}, as this was the standard figure per month. 

I 'll point out again, also, that AES should be stripped of changing due dates on any account, as they do n't handle those requests professionally and abruptly change due dates with little to no communication efforts at least 30 days prior to the account change. 

In addition, I would strongly advise AES to make careful considerations into who they employ to speak to borrowers over the phone, as some of the individuals who I 've dealt with sound very uneducated and are less cordial than any borrower would expect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: PA

Complaint narrative:
Experian has XXXX XXXX & XXXX XXXX XXXX XXXX as the same account and errors on 120 120 90 90 90 90 charge of XX/XX/XXXX closed account XX/XX/XXXX but has XX/XX/XXXX 120 days from the transferred account showing 120 days so what Experian is saying that the car went over 5 months with no payment and there was no repo. There are major errors to the reporting. Half report showing and transfer by XX/XX/XXXX to XXXX XXXX XXXX XXXX. I need a letter showing only fromXX/XX/XXXX only showing that {$1900.00} was written off and why I received my title but claiming that {$1900.00} was owed/written off. There should not be the same account showing XX/XX/XXXX closed but at the same time 120 days 120 days and the need documented proof 5 months and no payment as Experian has stated. Also need from the time the loan was taking out showing not years later from XX/XX/XXXX what happen XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX all those years. Date open is wrong XXXX XXXX XX/XX/XXXX- XX/XX/XXXX but then the same loan XXXX XXXX XXXX services date open XX/XX/XXXX thru XX/XX/XXXX 8 years in which this loan was not done. then 6 years XX/XX/XXXX loan but the same loan and error after error if the years of the car cant be showed on both and 8 years on the loan experain has and 6 on the other at the same time makes no sense. I have attach a copy of the Experian credit report. according to the 7 years to remove the XX/XX/XXXX dealer services has past it time as Experian has showing : Date Open XX/XX/XXXX-XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SUNTRUST BANKS, INC.
State: ME

Complaint narrative:
I have a debt with Suntrust bank. I have been trying to set up payment arrangements and they have not been able to understand that I am on a fixed income since my husband XXXX last year, so I am unable to make the payments that they have wanted. I have tried to work with the hardship program and they still want more than I am able to give them. This is affecting my credit and its not fair when I am willing to pay just do n't have much money to give 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 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX XXXX has placed a hold on my card due to paying off a large portion of the balance. It has now been on hold for a week. I have had a similar experience in the past where they placed a card on hold when you pay off the balance. I believe they are using these tactics to discourage people from paying off their balance, in an effort to earn more interest from consumers. 
I made a payment of {$830.00} on XX/XX/XXXX. It cleared my bank XX/XX/XXXX. Today 's date is XX/XX/XXXX. They told me the card is on hold due to paying off a large portion of the balance, and the fact the account is " newer ''. Their website indicates I have a balance of {$1500.00} against my credit limit of {$2400.00}, but my available credit is negative {$20.00}. It lists my payment of {$830.00} posting to account on XX/XX/XXXX and indicates there is no payment due. 
I have made larger payments in the past. I use this card due to it being a cash back rewards card, this ongoing hold has cost me money over the last week ; which I expect to receive. Not only did I not receive notification of this hold, it was indicated to me by customer service that I am not allowed to speak to any bank employees that handle bank policy, only call center employees are available.

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