vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-27 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: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company, XXXX XXXX, and XXXX XXXX  and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more than one occasion, and neither XXXX XXXX or this bureau has done anything to address the creditors disregard for the federal laws. I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had XXXX XXXX account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: NY

Complaint narrative:
I had a car-loan w ith   XXXX   XXXX   XXXX    that was in delinquent status when it was paid off in   XXXX    2014 by m y insurance carrier,   XXXX   XXXX  . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27 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: NY

Complaint narrative:
I had a car-loan with   XXXX    XXXX   XXXX  that was in delinquent status when it was paid off in  XXXX   2014  by my insuranc e carrier,   XXXX   XXXX . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Since XX/XX/XXXX I was a victim of identity theft. A bill showed up on my credit report about almost three years ago. I have requested and advised over and over that proof of validation be sent to me for the alleged debt. I disputed this account because I never opened the account no proof of validation was ever sent per my request. I have lived at the same address for over 15 years and still no proof of validation of the alleged debt has ever been sent but continues to report on my credit I have asked both Portfolio Recovery and the three reporting agencies to provide me with documents of the alleged debt. I never signed any contracts nor am I in debt to Portfolio Recovery Group they are impacting my credit and life in a major way. I sent the office a request for debt validation and requested a copy of any agreements that I signed stating that I am in a contract with Portfolio Recovery Group for the alleged debt to date there has never been anything sent to my address again where I have resided for years. I recently provided a copy of my current ID AND SOCIAL SECURITY number to this company asking that all original documents be sent showing that my name and birthdate and social match the opening of this alleged account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Ballybunion Enterprises, Inc
State: CO

Complaint narrative:
I am continuously disputing with  Freedom Acceptance.  I have disputed with every single credit bureau over 6 times because they keep putting incorrect information on my account. They have 'updated ' my amount owed multiple times with the wrong amount owed making it so I have to dispute again. They keeping changing the loan type from unsecured to secure. It is currently showing as secure and it was not a secure loan. The loan term is different on  XXXX  than  XXXX . The first late payment is different on  XXXX  and  XXXX . The amount owed is incorrect and each time I have reported this, they change the amount and is still incorrect. They would harass my soon ex-husband and myself via email for payments. They were adding on interest and late fees that were an higher amount than what was in the contract. On   XXXX     we were contacted via email saying we owed {$740.00} then on  X/XX/2015    we received another email saying that {$1000.00}. I have asked to have a full disclosure of the amount owed which was not only incorrect but they change the amount owed by cents or dollars so that it affects m y credit score.  They would use harassment tactic via email to try and get their money. In addition ; I submitted a claim to a previous complaint  XXXX  and according to  Freedom Acceptance  they granted me a {$510.00} credit to my account due to their civil lawsuit that they had in Colorado. However I asked for proof and I never received notice or documentation supporting which is required by the Consent Judgment. I Have also reached out to the Colorado Attorney General  XXXX   XXXX  and I am seeking further assistance on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I started to pay more toward my variable interest rate private loan and for the last  3 payments, my interest rate has been increased. It 's as though they see that I 'm   starting to pay more and are each subsequent payment increasing the rate to discourage me from paying the loan off sooner. I make  XXXX  payment on the loan balance of  XXXX . The original loan wa established in  2011  at  XXXX  with the rate then  of 13.75. T he  Interest  has gone fro m 13.75 to 14.175 in  the last 3 months. I 'm not paying that much toward principal, but I 'd like to to pay the loan off sooner if I can. Is it legal for  Navient  to raise my interest rate to discourage me from paying more toward my loan balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I paid  XXXX   XXXX   XXXX  directly so diversified collections needs to delete their reporting from the credit bureaus . Diversified said they submitted documents for the CB 's to delete but  XXXX  and  XXXX  are still reporting the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for  XXXX  loans wit h Penfed CU si nce you have to select a vehicle for low risk loans. After getting my done with  XXXX   XXXX  I took the bank draft from  Penfed  for $  XXXX  and purchased the car on  XXXX   XXXX ,  2017 . After purchasing the vehicle,  XXXX  tried to deposit draft. The draft was returned unpaid. For some reason that loan was cancelled. But the loan that was supposed to be cancelled was not.   After lettin g Penfed know the situation and the delaer contacting me. Penfed refused to issue a new  check or change the loan. The approval was for $  XXXX  for 72 months at 4.50 %. They requested I do another loan in the system and request the same amount. The loan came back with an new approval of only $  XXXX . After talking to and asking  Penfed to please just make loan same as original they refused. The vehicle was picked up last ni ght from my home. Since I work weekends. I now do n't have a vehicle and will have to quit my job since it is  XXXX  miles away. Because I traded in my vehicle so after a month I have nothing.   Penfed gave me a loan and charged me  XXXX  times {$15.00} for overnight service. Why did n't they honor the check? Why would n't they just fix something I did n't do they done. They knew I had vehicle because dealer contacted the m 10 tim es to fix error and  Penfed  refused.   I had $  XXXX  equity in my trade and how I 'm I supposed to get that month back and how soon? How do I look for another job after quitting a $  XXXX  A YEAR JOB. How do I pay my bills and help my elderly parents get around? I think Penfed should honor our agreement just like I honored my country with my military service.   This is just not right.   Now Penfed wants me to take a loan for only $  XXXX  but not my rate is 6.1 % for 72 months. That 's just not right.

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 2017-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have tried to make payments on my account despite loss of income and told they would not take anything less than total due. After I paid the entire past die amount they immediately closed out my cards which NEVER went 90 days past due, only  XXXX , they falsely report past due amounts, I slowly caught up but a few cards remain behind by a few days to over a month a s I contin ue to try to pull myself out of debt. The company Synchrony bank continues to call me multiple times a day, averaging to an hourly bases despite me talking to the company representative. They call as early as  XXXX , as late as  XXXX , on the weekends, and call my family members, they have my phone number, I have told them multiple times to stop calling my family members phone numbers but they continue to call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear T   rans Union, This is the 6th letter Im writing about incorrect information on my credit report. I checked my Trans Union Report on XX/XX/XXXX  and the item in question was deleted on  X/X/17  to be added again on a later date. This same item was then deleted again on  X/XX/17  and added again on  X/XX/17 . The item in question has been deleted from   XXXX    and  XXXX  and never added again. ( See item in question below ).
-  XXXX   XXXX   XXXX   : Loan #   XXXX    XX/XX/XXXX  Payment For the Home address listed on the letter above.
I have attached a copy of the disputed letter results sent to me by your company on   XXXX   The payment was made along with future payments, I would like to get the 30-day late payment removed, since the payment was made. I signed up for electronic communication when this account was opened and opted out of paper communication per   XXXX   XXXX   suggestions. I should have received my monthly reminders as I had in the past, but that did not take place and was confirmed by   XXXX   XXXX  . I also did not receive any phone calls from   XXXX   XXXX   in regards to this situation.
Please delete this misleading information, and supply me with a corrected credit report within 30 days. You have left me with no choice, I have filed a report with the Consumer Financial Protection Bureau on  X/XX/17 .
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: PA

Complaint narrative:
XXXX   XXXX  formally  XXXX  had closed my account around  XXXX , this was done at my request. To my surprise, I attempted to open an account with  XXXX   XXXX   XXXX   XXXX  in  XXXX    XXXX   and was told that  XXXX   XXXX  was reporting an owed charge. I went to  XXXX   XXXX  and was told that when they were  XXXX , a merchant had charged my account for around {$120.00} despite me having cancelled the automatic withdrawal. Strange also was the fact that despite this 'charge ' I was allowed to close my account at that time without any issues so this was a big surprise several years later. Nevertheless, I paid the {$120.00} to  XXXX   XXXX  around  XXXX    XXXX  . I have been going back to  XXXX  ever since only to be consistently told that despite them seeing that  XXXX   XXXX  no longer says I owe anything, it is still showing up with Transunion. This is preventing me from opening an account with Transunion. Upon contacting Transunion, they keep saying it is cleared and 'they do not know ' why it is showing up. I think I have done all I can and do not know what more to do and it has been over 7 months.

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 2017-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
I received the answer from my complaint, yet this did not answer my questions nor did it solve the issue. Again I asked for a complete statement of payments, none has come. My monthly bill is {$720.00}. I answered the last complaint in letting you kno  w Bayview has had more than enough time to produce the document I requested. This has not happened. My  XX/XX/XXXX  bill again was {$720.00} I have made payments Totaling {$850.00}. thus the balance for  XX/XX/XXXX  should have started at, {$590.00}. This balance is offset by my payments thus far in the month of  XX/XX/XXXX of {$810.00}. My balance to start  XX/XX/XXXX  should be {$500.00}. This is not showing on their site, only the last payment of {$10000.00} from  XX/XX/XXXX shows.
<P/>
Also there is still the matter of the Attorney fees, again their contracted attorney has yet to answer my certified letter on them mailing 20+ copies of letters to my tenant, who is not on the loan nor has interest in this property. I am demanding half of the attorney fees be returned by Bayview for failure to do their due diligence on this matter. It was their attorney that did not do the work, let them refund me and collect the money from their attorney. This would be well over {$550.00} of fees to be returned.
<P/>
LET THEM KNOW THEY ARE ON NOTICE AND I WILL SUE THEM SHOULD THEY OBFUSCATE ANY LONGER. I have continued to call and follow up on this matter, yet they will not be forthcoming on this. Their canned letter of response is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: FC HoldCo LLC
State: PA

Complaint narrative:
I had a car loan with  Flagship Credit Acceptance , in  XXXX    XXXX   the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to Flagship causing additional fees. Flagship received the payment in  XXXX   XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.     For several months a tried to get this resolved, I was told by several customer service reps that Flagship does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.     Flagships poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was report ing 60 to 90 days late, Flagship being spiteful replied that the issue is resolved and now changed the account to 90 to 120 d ays 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 2017-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Starting in     XX/XX/XXXX , I attem pted on a few occasions to refinance my existing mortgage with Nationstar Mortgage, the servicer to my existing note, held by   XXXX   XXXX  . I was having difficulty maintaining paying the mortgage on time, and although I was not in default or even behind in payments, I wanted to see if I qualified for the HAMP or HARP programs. I reached out first to a counselor at the Making Home Affordable website, hosted or run by   XXXX   XXXX  /  XXXX   XXXX   and engaged in a conference call with NationStar that same month. I was informed by  Nationstar  that due to my experiences to date, I was eligible for home modification under HAMP. I proceeded to apply for HAMP by the deadline of   XX/XX/XXXX . I   was subsequently deni ed by Nationstar st ating I did not meet eligibility requirements, directly contrary to prior conversations. In fact, the Making  Home Affordable  counselors at   XXXX   XXXX   did not understand their response either. I was then asked to participate in HARP --  Nationstar st ated that I was eligible for HARP but needed to wait  until  XX/XX/XXXX  as  I  had one la te payment on file and needed to be on time with payments for a year. I then reapplied in   XX/XX/XXXX ,   had a loan  counselor  at  Nationstar  look at my note, my current obligations and stated I qualified and locked me into a rate. They performed an inspection of my property and then I got no communications from them since. I had to contact the company several times and received no further communication.      About two wee ks after my attempts to contact them, I got a letter from  Nationstar stating my property was unacceptable to refinance. When I inquired further, I found out that Nationstar  stated my mortgage note was for a cooperative property and they do not refinance cooperatives. However, since my initial experience in late     XX/XX/XXXX   through this statement of theirs  in  XX/XX/XXXX  -- they sta ted  ( a )  I was eligible for HAMP and HARP.     I went throug h two successive evaluations, credit report pulls, and evaluations only for them to state they do not refinance cooperatives. They are a mortgage lender, they are my servicer and they knew for this entire time my property did not qualify but never informed me of this. This is not only deceptive but is grossly negligent and harmed me as a consumer. This is not the first time I had difficulties with Nationstar and I have already filed a complaint with the Texas State Attorney General and will also be doing so for the State of Illinois. Nationstar should not be allowed to operate managing servicing of loans without penalt y due to this gross negligence.     I will be contacting all federal agencies and credit reporting bureaus to report these misdeeds. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I have been making payments on my capita l one accounts. I may not  be able to make the minimum payment but I have been trying really hard to at least pay something. My husband has been  XXXX   XXXX   XXXX  for over 4 years and now he has a  XXXX   XXXX  he fighting too. With all the doctor bills and I just recently lost my job and had to find a new job. I just ca n't seem to catch a break. They are now harassing my mother-in-law about my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Continued attempts to collect debt not owed. The original creditor states that my complaint does not belong to them. I never received prior written notification of this debt giving me a right to dispute this debt. I have reason to believe that this debt is tied to an address I never lived at. The law states that you must report accurate information and give me written notification in which you did not do. I never received written notification because you do not have a valid and accurate address for me.

Company response to consumer: Closed with explanation