vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
2nd attempt to drop PMI on my mortgage loan with Wells Fargo. First attempt a few years ago I missed the appraisal mark by XXXX when a duplicate house with less renovations as mine on a smaller lot sold for XXXX more than my appraisal. Now attempting since XX/XX/XXXX to do the same thing but Wells Fargo will only accept an appraisal by core logic that they are in partnership with, owning companies together, as late as XX/XX/XXXX and wanting to charge me {$550.00}, {$200.00} more than the national average, for said appraisal. Now I'm finding out that XXXX, who holds the mortgage insurance policy, has strong ties to Wells Fargo so there is strong incentive to bias the appraisal that they control to keep me paying premiums on mortgage insurance. 
1 : Why can't I use any licensed appraiser? and 2 : Why is their fee {$200.00} above the national average? 

Seems to be extremely unfair towards the borrower.

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 2018-08-02 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: AL

Complaint narrative:
Fraudulent account by name of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Fraudulent account by name of 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 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I took out a new automobile loan with Navy Federal Credit Union on XX/XX/XXXX for the sum of {$35000.00} with included gap insurance. 

Mr. XXXX advised me that I can refinance my loan to lower my monthly payments since I was diagnosed with XXXX XXXX ; I did agreed to refinance the loan and I asked Mr. XXXX if I would still have GAP coverage on my car loan, he informed me that loan coverage and everything will remain the same except the monthly payment and loan expiration date! 

On XX/XX/XXXX I had a no fault Car accident and my car was total based on inspection by XXXX XXXX XXXX Claim Adjuster. 

The loan balance to Navy Federal Credit Union was {$14000.00}, on XX/XX/XXXX ; On XX/XX/XXXX, XXXX XXXX XXXX remitted a check in the amount of {$8800.00} to Navy Federal Credit Union leaving an outstanding balance on the loan of {$5200.00} which GAP insurance should pay the balance to close out the loan. 

I spoke to Mrs. XXXX on XX/XX/XXXX, and she informed me that I no longer had GAP insurance on loan # XXXX, and I will be responsible for the balance amount of {$5200.00}, because when Navy Credit Union refinance my loan Gap insurance was not included and Navy doesnt offer Gap insurance for a loan that is finance, I informed her how many times do Navy Federal Credit Union once to charge for GAP insurance when this was already paid on the originate loan. 

I am pleading to your organization to assist me in resolving this debt matter to come to a complete resolution! 

Thank you for your time and corporation in this matter! 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I have leased an XXXX from a MA based dealership in XX/XX/XXXX and ended on time and paid in full my 3-yr lease in XX/XX/XXXX. I have not heard once, by phone or mail and nothing was ever reflected on my credit report about any payment demand. Only after I disputed, in XX/XX/XXXX, via XXXX  that the account was still open, I received a charge-off of $ XXXX.I disputed it via credit bureau and no resolution, with still impact on my credit score.. Still no phone call or mail. After a second dispute, the answer came back negative and now I have a XXXX charge off. I called Hyundai ( XXXX ) and I was told three different things by three different people. The first told me my car was stolen and was charged residual value, then I called back and was told that I had not paid the last 5 months of lease ( which I have bank proof I did ), then I called again and was told that my insurance did not cover some charges to fix the car. I feel the company has no idea what's going on and certainly has not notified me of anything and now I have 70 pts dropped in my report which affect my finances. I filed complaint with the XXXX and XXXX came back with the same statement, but no document or proof about the charge off. 
XXXX response is totally out of place and inaccurate and lacks of evidence. There is no one piece of document I have received. My car had minor scratches and my insurance covered those charges, I brought the check to Hyundai dealership and never heard from dealership or XXXX again for almost two years, until recently and only because I initiated a dispute on the account status. Now XXXX  claimed not only that they invoiced me, but also that the car was badly and heavily damaged and completely totaled. Assuming for a minute this is the case, a much more detailed and timely investigation should have taken place. Anyone, including a business, should have a complaint about a product, a return or anything else, should timely notify the consumer. How do I know that what XXXX is true and even if it was, that the car was damaged further, after my release? It is too convenient and totally unfair to let things go and after a long period of time assuming certain facts and charging someone largely differently than the original status ( when i turned in my keys ). XXXX should prove that detailed reports have been sent, should also speak with the dealerhip that took in my car and remove the credit charge from my report, at least until this situation is resolved or attemped to be resolved. I am willing to do anything I can on my part, but with no documentation in my possession, not with a mere statement over the phone and without evidence it is an impossible task!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I disputed an account reported by COI in the file you maintain under my Social Security number. 

I was informed in XX/XX/2018 that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: GA

Complaint narrative:
I am a co-signer on my daughters student loan. I realized after she made payments for 10 years that she is barely paying any principal. I feel that this company has taken advantage of my daughter by allowing her to pay mostly interest. She has paid approximately {$22000.00} over the last 10 years on a {$25000.00} loan and still owes {$17000.00}. 
I called Navient on XX/XX/2018 and offered to pay them {$12000.00} to pay off my daughters loan. They refused to negotiate any payoff amount other than the total outstanding balance. I believe that this company is engaged in predatory lending practices that take advantage of young adults who dont know they are being ripped off. 
I dont want to advise my daughter to stop making the payments to make the company more agreeable to negotiations but refuse to let her continue to pay off this loan under these terms. 
We want to pay our bill but believe that they have made enough profit from my daughters good payment history and should be willing to negotiate a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm not aware of a XXXX XXXX for a vehicle repossession.

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 2018-08-02 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: NJ

Complaint narrative:
NAtionstar/Mr.Cooper Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: TX

Complaint narrative:
The account below is not mines. i have attached disputes sent to AG of Florida. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00}

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 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
On XX/XX/2018 I posted the monthly payment due XX/XX/2018. Instead of posting it as a monthly payment, the company posted it as additional principal. I had CLEARLY indicated it was a monthly payment but they ignored this. 

This has happened before in the past and they have not fixed the recurring problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I leased a new XXXX XXXX XXXX on XX/XX/2018 from XXXX XXXX XXXX in XXXX, NC. I traded in a XXXX XXXX on that same day. The finance manager didnt tell me to stop payment on my XXXX XXXX that would run on XX/XX/XXXX. I figured that was not necessary because I was dealing with XXXX XXXX  with both leases. After the payment did transfer on XX/XX/XXXX for the XXXX XXXX  that I didnt own anymore I called XXXX to talk with them about this and make sure I would get a refund for that amount. They assured me it would be refunded. On XX/XX/2018 I called in to XXXX XXXX to set up an online account to make the payments come out automatically for my XXXX XXXX XXXX through our checking account. I set up the account, made the new payment for my XXXX XXXX and then asked about the status of the XX/XX/XXXX payment refund for the XXXX XXXX. I was told then that XXXX XXXX called in on XX/XX/XXXX to ask for a payoff on the car I traded on XX/XX/XXXX. They ( I assume XXXX XXXX ) back dated the payoff to XX/XX/XXXX ( for some reason ) and applied the payment that i had made on XX/XX/XXXX to the XXXX XXXX  and then only paid off the amount of the XXXX XXXX minus the payment I made on XX/XX/XXXX and because of this I would not receive a refund for the XX/XX/XXXX payment because there was no overage. I asked why and they could not explain it. I have since called XXXX XXXX about 4 times and they have escalated it to the highest level ( they say ) to the office of consumer practices and they now try to Keep giving me good news that I am indeed getting my refund. I know that. I know that because it would have been illegal for them not to issue a refund for a payment i made on XX/XX/XXXX for a car that didnt own as of XX/XX/XXXX. Each time they say they will listen to the taped calls from XX/XX/XXXX of when I was told on XX/XX/XXXX that I was not going to get a refund and each time I call them or they call me there is never a reference to any note that I was told anything other than the fact that I was going to get a refund. I assume there is a cover up being attempted for providing wrong information. I keep telling them that Im going to report this and that it would be better if they explained that they made a mistake. The dealership doesnt care and neither does XXXX XXXX. Neither seems concerned that Im going to report this even though this is the 4th car I have bought from. XXXX. Im supposed to get a call back by the end of today from a manager in the department of consumer practices. I dont believe I will. And if I do it will probably be to assure me that Im going to get a refund. There is something wrong here and I want an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: NJ

Complaint narrative:
XXXX Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!

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 2018-08-02 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: NJ

Complaint narrative:
XXXX Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!

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 2018-08-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: FL

Complaint narrative:
On XX/XX/18 at XXXX XXXX I received a call from XXXX XXXX representative XXXX XXXX. I have sent two letters in the past asking that XXXX XXXX only contact me by mail, and to cease other forms of contact. However, XXXX XXXX is continuing to call me. I understand XXXX XXXX has a right to try and collect the debt I owe them, however, they are supposed to respect my right to have contact through the mail, which is stated under the fair credit reporting act. Additionally, I am already sending them what I can afford, and those checks are being cashed monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
After receiving several harassing phone calls from Pollack and Rosen I sent them a debt validation letter on XX/XX/XXXX. I received a letter back from them ( attached ) dated XX/XX/XXXX. The letter simply states who the debt is to - not Pollack and Rosen - and they included a one page copy of a billing statement dated XX/XX/XXXX. This is not validation of debt and quite frankly is ridiculous to send.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I paid off an auto loan I had with Ford Motor Credit, back in XXXX of 2013. I demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that Ford Motor Credit is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
On XX/XX/2018 I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect, and it's reporting on my credit report with multiple inaccuracies. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as 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. PLEASE HAVE THEM IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.

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