vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-14 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: Seterus, Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Seterus Inc. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2017-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
When I first purchased the XXXX XXXX in XXXX I asked the dealer for GAP insurance. My daughter totaled the vehicle XXXX. I found out that day that the dealer did not add GAP insurance as requested. The insurance company paid XXXX towards the XXXX that was still left to pay. The loan company did not apply the check right away which caused more interest to be added to the account. I called to request a reasonable settlement amount so that I can pay off the car, I have always paid on-time and have always payed over the loan amount. The balance is around 1900. They offered XXXX as a settlement. I believe that they have been excessively charging interest and intentionally did not apply the insurance check to the account immediately so that more fees could accrue. I was told that the only option was to pay the XXXX, or else the full amount which is still accruing interest. After experiencing this, I would like to have my account looked over due to believing that I have been paying more interest that is actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$1100.00} they have showing on my XXXX, XXXX and XXXX  credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: NY

Complaint narrative:
I applied for a credit card with XXXX. They approved me for {$300.00} on XXXX XXXX, on XXXX XXXX, I called them up and told them that I was not interested in their card and did not want to continue with the application. Now, on my credit report I see that they are reporting that I have a credit card with them and a balance of {$75.00}. When I called them and the credit bureau I was told that the account is going to be reported as closed. I was only 48 hours when I decided I did not want the card and therefore this card SHOULD NOT BE ON MY CREDIT REPORT AT ALL.

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 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I applied for a credit card with XXXX. They approved me for {$300.00} on XXXX XXXX, on XXXX XXXX, I called them up and told them that I was not interested in their card and did not want to continue with the application. Now, on my credit report I see that they are reporting that I have a credit card with them and a balance of {$75.00}. When I called them and the credit bureau I was told that the account is going to be reported as closed. I was only 48 hours when I decided I did not want the card and therefore this card SHOULD NOT BE ON MY CREDIT REPORT AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: Capital Accounts, LLC
State: TN

Complaint narrative:
I was contacted on XX/XX/XXXX concerning a medical bill by Capitol Accounts. I sent the company a certified letter on XX/XX/XXXX to the address they provided via email to dispute this bill. I also responded via email on XX/XX/XXXX stating I would be disputing pending verification and that I would follow up with a certified letter. I have not received a confirmation that they have received my letter. Now they have put it on my credit report without providing me with any proof of this bill and my liability. This is illegal since I disputed within the 30 day period

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RGS Financial, Inc.
State: NJ

Complaint narrative:
They call me several times a day from different numbers including XXXX. They do not send postal mail. They refuse to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have re-applied for a Barclays Bank, L.L. Bean credit card, twice. I was told, that their records indicate I had a previous credit card with Barclays Bank Delaware that experienced charge off, bankruptcy, severe delinquency or other negative performance. In XXXX, I bought a new home that had a large mortgage. At that time I had several open credit cards, with L.L. Bean, XXXX XXXX and XXXX. These companies cancelled their credit cards with me and upon inquiring, I was told because of my current credit status, it was decided they were cancelling my cards with them. I now have a good credit rating. Because I continue to purchase at L.L. Bean, they are trying to promote their credit card and asking everyone to apply when you make a purchase. The notification I am receiving from them states, a credit bureau report was not used making this determination. I have asked them to look at my credit report, which they did but again I received another letter stating, we are unable to approve you for a L.L. Bean card.

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 2017-08-14 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: NV

Complaint narrative:
I seen a few inquires which I did not authorize or apply for credit added to my credit file. I contacted the companies and the credit agencies and placed a fraud alert and an additional XXXX inquires were added. What do I need to do to remove these and stop any additional inquires I thought by adding the fraud alert on no new inquires would have been added and that did not happen. Please help.

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 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$170.00} they have showing on my XXXX, XXXX and XXXX credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XXXX I paid off a motorcycle with XXXX XXXX a third party agency for Capital 1. The information has yet to reflect on my credit report as closed and paid in full and the title still has a lien. Items that XXXX XXXX said they would take care of with Capital 1. Now over 45 days have passed and I can not connect with anyone for a resolution. This is now preventing me from closing on my new home. Per the information below I am requesting a resolution as balance paid in full on my credit report and the title cleared just as XXXX  promonised. Capital 1 XXXX XXXX Department : Please note that my is name is XXXX XXXX and this is in reference to account number # XXXX for my XXXXXXXX XXXX XXXX XXXX # XXXX  There have been a variety of issues with this account beginning with appropriate information on auto drafts not being deduction never been mailed, lack of notification of past due balance, and there was never an attempt to require the motorcycle. It only became apparent to me when a credit report was run two years ago for a home loan. When I became aware I began making payments to XXXX XXXX and XXXX XXXX XXXX XXXX, under account # XXXX. Since XXXX of XXXX I attempted to get into contact with someone at XXXX XXXX to pay off the balance on this account. It took over three months to get in touch with someone there after I was given the run around day after day. On XXXX XXXX per the arrangement made with XXXX XXXX I paid off the vehicle for {$1700.00}. I was provided the attached letter as proof of payment. I was also advised that Capital 1 would be notified, the title would be cleared, and my credit report would update to show a zero balance paid in full. On XXXX/XXXX/XXXX I attempted to obtain an updated title as I am selling the motorcycle. I was advised that there was still a lien on it from Capital 1. On XXXX/XXXX/XXXX I was notified by my mortgage specialist that they are unable to move forward with the closing on my home as my credit report still reflects a past due balance owed in collections to Capital 1. I am very frustrated as this entire situation has been a nightmare. I have attempted to get into contact with XXXX XXXX and have been repeatedly sent voicemails. A receptionist there advised me it was not their issue that it was now that of Capital 1. This is holding up my cash on hand for my home as well as my closing and it is unacceptable. I expect this issue to be escalated and resolved ; the title should be cleared and the item should reflect paid in full on my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: ND

Complaint narrative:
My report from LexisNexis still includes an Eviction case from XXXX Count District Court in MN which incorrectly included me as a party ( File # XXXX ). I 've attached the document which confirms that I was stricken as a party. I had been removed from the lease before any action had been taken against my former roommate XXXX XXXX. I found this on my credit reports earlier this year and though it took several weeks, I was able to get it all sorted out and removed. Unfortunately, it looks like it 's still appearing elsewhere ( LexisNexis ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested 5 times to have this credit freeze removed. Equifax is not removing the freeze after I have provided the Pin # and the requested personal information. This is preventing me from applying for credit and obtaining a new car loan. The Confirmation Numbers Provided to me are : XXXX from XXXX/XXXX/XXXX XXXX from XXXX/XXXX/XXXX Each time I call, I am told it will be processed in 15 minutes. Its been 4 days and 5 phone calls later it is still not removed. I have also tried removing it online. and I receive a message that it has been processed and it remains in place. They told me their was an address discrepancy. I have also provided Equifax with proof of my address on several occasions. A representative from the dispute department stated the documents were received and verified. Incorrect Address : XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I seen a few inquires which I did not authorize or apply for credit added to my credit file. I contacted the companies and the credit agencies and placed a fraud alert and an additional XXXX inquires were added. What do I need to do to remove these and stop any additional inquires I thought by adding the fraud alert on no new inquires would have been added and that did not happen. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I seen a few inquires which I did not authorize or apply for credit added to my credit file. I contacted the companies and the credit agencies and placed a fraud alert and an additional XXXX inquires were added. What do I need to do to remove these and stop any additional inquires I thought by adding the fraud alert on no new inquires would have been added and that did not happen. Please help.

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 2017-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Last XXXX, XXXX, I talked to Navient about lowering my monthly payment because I could n't afford the {$280.00} a month they wanted me to pay. They could only lower it to about {$230.00}, which was still too steep for me. My thought was to give them XXXX XXXX dollars a month but even then I knew that they would be able to sue me so I contacted a lawyer. I had two loans taken out with Navient. I received paperwork from them regarding both accounts and even litigation notices, which I turned over to my lawyer, XXXX XXXX. In XXXX of XXXX, they had come to an agreement to have me pay Navient 's attorneys {$150.00} a month until the loan was paid off. The amount of the loan total is {$4200.00}. What I did n't realize at the time was that this amount only covered one of my loans, not both of them. I never received any other paperwork from them about the other loan and did n't think anything of it. On XXXX XXXX I was served paperwork from the court of common pleas for the other loan in the amount of {$20000.00}. I immediately contacted my lawyer and faxed him the paperwork ; I did not hear from him for several weeks so I finally contacted him on XXXX XXXX to see what was going on. He told me that this was a new complaint all together and that I only had until XXXX XXXX to make a decision. I was curious as to why he did n't let me know before hand about this and why I had to contact him. They managed to get me an extension until XXXX XXXX, but either way I do not have the money for them. I can barely afford to give them {$150.00} a month. Plus I 'm curious as to why both loans were n't taken care of at the same time and why I did n't receive any paperwork about the other loan, just a court summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX I tried withdrawing money from a Santander Bank ATM in XXXX at the XXXX XXXX XXXX XXXX but the money was not dispensed. After getting home and noticing that the money was debited from my account I called on the XXXX. I filed a claim with a rep on the XXXX the claim number for this call is XXXX. After calling back a few days later I was told the claim was closed and that it was determined that the money was dispensed. The representative then told me that there is video evidence that proves the money was dispensed and that the video will be sent to the nearest branch so that I could see the evidence for myself. This call happened on Saturday the XXXX of XXXX. The representative told me that another representative would call me on Monday the XXXX to give me an approximate date for the arrival of the video. I was n't given a reference number for this call as it was a response to the first call. I then called today the XXXX of XXXX to check on the status of the video being sent because I did n't receive a call from the representative and I am obviously anxious about my {$200.00} being lost and equally anxious to see the video. The new representative on the XXXX told me that she could not promise I would get to see the video because it is private property of Santander Bank. She proceeded to reopen the claim and gave me a new case number : XXXX. I am willing to take the case to small claims court to be provided the video evidence. I 've been banking with Santander for over a year now, have used their ATM many times and have never put in a claim. Why would I all of the sudden need to fake a claim for {$200.00}? All I ask for is to be given the video evidence I was promised. I do believe in the mantra innocent until proven guilty.

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 2017-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am an XXXX XXXX veteran. I have been considered XXXX XXXX XXXX XXXX by the Department of Veteran Affairs ( VA ) due to my XXXX XXXX XXXX, effective XX/XX/XXXX. On XX/XX/XXXX, the U.S. Department of Education and XXXX ( XXXX Discharge ) approved my XXXX XXXX XXXX XXXX ( XXXX  ) discharge application of my federal student loans on the basis of my XXXX XXXX XXXX XXXX. Copies of the aboved documentation were sent to Navient and XXXX XXXX via certified mail on XX/XX/XXXX. Thereafter, numerous telephone requests to cancel the remaining outstanding balance of my student loans indebtedness due to my XXXX XXXX XXXX were made to Navient. I also sent an email to XXXX, to no avail. On XX/XX/XXXX, I sent a second certified mail to Navient requesting that they discharge my student loans and to report to the three ( 3 ) credit bureaus that my accounts have been paid in full. To this date Navient has not taken action on my requests. As of today, XX/XX/XXXX, Navient website shows that I owe a total balance of {$22000.00} ( Account # XXXX ). Further, the loans balance continue to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
This reason I am filing this complaint is to request an investigation into Nationstar Servicing and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month ofXX/XX/XXXX. I am requesting that Nationstar Servicing and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.

Company response to consumer: Closed with explanation