vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am on an income-driven repayment plan. My payment should be {$0.00} due to low earnings. Many times, over the phone, I have been told that I need to make one final payment and then my payment is {$0.00}. 

On XX/XX/XXXX at XXXX I spoke with a Nelnet representative and was told one last payment and then my payment goes to {$0.00}. 
I got the same response when I called on -XX/XX/XXXX at XXXX - spoke to agent XXXX XXXX -XX/XX/XXXX at XXXX -XX/XX/XXXX at XXXX -XX/XX/XXXX at  XXXX and XX/XX/XXXX at XXXX - spoke to XXXX ( who stated they have no ID number to distinguish themselves ) . 

Per conversation on XX/XX/XXXX, I was told to sign and upload a income driven repayment plan. I did. This person was a supervisor and said that I do not have to pay my payment of {$60.00} due on XX/XX/XXXX. Per the conversation with XXXX on XX/XX/XXXX, he contradicted this information. He in fact told me that the PDF that I sent of my income plan was blurry. Bologna. I looked at the PDF and the quality of it is outstanding. If the document is blurry, they need to change their toner. 

I have paid the amounts they asked me to pay but they keep saying I have to pay and then it goes to XXXX, pay and then it goes to XXXX. This establishes a pattern. By XXXX saying the copy they received of my income driven plan is blurry when it is clear, suggests benign dishonesty. Altogether, this shows the company is shifty-eyed, preying on the weakness of the individual against a politically powerful corporation that doesn't bat an eye when they squeeze and squeeze because they know they can get away with it. 

I want to hold them to their word. I do not have to pay this month 's payment because I have complied and they respond with a byzantine shrug.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX Has been harassing me and threatening me about an account not owned by me or opened by me. Several letters have been sent threatening me and suing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo had advised me of how much my mortgage payment would be after the month of XXXX. I was about to make a payment and they had increased the amount I saw on my statement. When i inquired about it they told me I had NOT paid my escrow and they added that into yet another payment amount. After some research they told me i was correct and they would make the adjustment to my mortgage because I just caught up with all {$13000.00} fees and mortgage.

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 2018-06-08 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: Social Finance, Inc.
State: GA

Complaint narrative:
SOFI reported my account as 30 days late when I made special arrangements, due to a diagnosis of XXXX XXXX and XXXX in the month of XX/XX/XXXX. I have been a customer for 1 year, no issues with payments until I became ill. I contacted SOFI to let them know what my plans were on XX/XX/XXXX, as that is the day my loan is due. 
My payment is XXXX per month. On XX/XX/XXXX, I paid XXXX on XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX I paid XXXX to be all caught up. When I discovered they had reported me as 30 days late on XX/XX/XXXX, it made my score drop a whopping 100 points. I contacted them and they said they would do nothing. They were following government rules is what they said. I asked what rules they were speaking of I couldn't get a proper answer. I spoke with 3 separate people regarding this issue. XXXX, XXXX and XXXX who was the last person who told me they had to follow government rules. 
He was quite sarcastic and said it was nothing he could do. I ask if I could get a goodwill removal o the 30 day late, he said NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I joined XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX , XXXX , Florida XXXX on XX/XX/XXXX. I am XXXX years old and was concerned about using the club in future, but the club representative assured me that I could cancel at anytime with no penalty. In XX/XX/XXXX, I had only used the gym a few times and was having a few health issues so I called to cancel, with no success. I had set up a monthly fee on my XXXX. I wrote the XXXX XXXX XXXX, per the XXXX XXXX Contract, and told them I was giving them 30 days notice to cancel my account. I mailed the letter certified mail with a copy to XXXX XXXX XXXX XXXX, XXXX too. I receive calls and texts every month and today I received a collection letter from debt collector suggesting they would damage my credit unless I pay. Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On XX/XX/XXXX I received a consumer report from Chexsystems. On that report I discovered that there were negative, fraudulent, unauthorized accounts opened in my name listed on the report. So I immediately went to local law enforcement to file a police report. After doing some research as to the steps I had to take in order to get the inaccurate information off of my report, I proceeded to dispute the info with chexsystems. 
On XX/XX/XXXX I sent them them the police report, an identity theft affidavit from the Federal Trade Commission, a letter stating that I am a victim of identity theft and a copy of my government issued ID.

On XX/XX/XXXX I received a letter from chexsystems stating that they had verified the information that was on my consumer report because they sent me a copy of a forged signature card. And If I wanted to pursue the matter further that I should send them a copy of police report, ( which I already did ), and inform the original furnisher of information to dispute directly with them, ( which I already did ).

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 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
The property is in foreclosure by the 2nd mortgage company. We have filed bankruptcy but have a buyer for the property. We have been trying to obtain the Payoff Information from Ditech Mortgage with no results. If we do not have it by XX/XX/XXXX the house will be sold at auction.XX/XX/XXXX - I requested Payoff from Ditech 's bankruptcy dept and was told it would take up to 10 days. On the XXXX day I followed up only to find out the request had been cancelled because they could not send it to me ... .it would have to go to my lawyer.

In this same time frame the Escrow company ( buyer ) was requesting the info as well. They were told that they would need the last 4 digits of our SSN 's. Gave them that, they submitted the request. This request was cancelled as well because now we were being told that they needed to submit a form with our signatures.XX/XX/XXXX - Followed up again. Only to be told that the prior requests were cancelled. They would take the request again and put a 3 day rush on it. Was also told they could ONLY send it to my lawyer. I verified the address on file. It was correct.

Escrow company ( buyer ) requested again as well. Faxed signed authorization for the request. Ditech could confirm that they could see the request, but that it was still pending.XX/XX/XXXX- Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Was told they JUST received the request from the Escrow company onXX/XX/XXXX and that it was pending. They could not confirm where in the process the request for the payoff to be sent to my lawyer was. Was told that they would put a rush on this new request.

I am at a complete loss here. I actually have a buyer for the property and would like to get this resolved. If this does not get taken care of the 2nd mortgage company is selling it at auction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have been leasing a New Honda CRV XXXX since XX/XX/XXXX. I signed my contract at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The finance company is American Honda Corporation. I have been late on payments due to financial hardships. When I first received to car I was married and working. During the time of my lease I became divorced and unemployed. I still continued to make my payments although they were late. Honda would charge me a {$25.00} late fee which is stated in the contract I signed. I became a XXXX XXXX XXXX in XX/XX/XXXX and recently XXXX  on XX/XX/XXXX. I informed Honda on several times that I was unemployed and a student that's why my payments are always late. They always said we will note the account. In XX/XX/XXXX I missed 3 months of payments they informed me by letter and phone call that there was repossession out for my car. I ask them what I can do to stop the repossession they stated I can pay 2 months and I have to western union the money. I did. The car wasn't repo then. On XX/XX/XXXX I  called to tell them I will make a payment on next Wednesday which XX/XX/XXXX. They agreed. They repossesses my car on XX/XX/XXXX without notice. I only have seven more payments left. They told me the only way I can get the car back is if I buy it for {$21000.00}. I ask is there another option. They said they would have to review another option which was I would have to make my account current and pay all the late fees and have a XXXX balance and the repo fees I agreed I could get that done. they said my account has to be reviewed and they will get back to me in 1 to 3 business days. I got back to Honda and they said I was not eligible for option one due to my late payments. That I will have to buy the vehicle for {$21000.00}. I would have to take out a personal loan and send them a check by XX/XX/XXXX and still pay repo fees. I feel like I had no choice so my mom took out a loan and its not going to clear in time for XX/XX/XXXX. I ask them for more time they gave me until XX/XX/XXXX after I sent them proof of the loan. I ask them for a written agreement stating they gave me until XX/XX/XXXX. They said the can't but they noted the account. That was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
all credit reports trans union XXXX XXXX I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies

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 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX XXXX placed a negative inquiry on my XXXX   Credit Report which is not my account. XXXX XXXX XXXX disputed the amount XXXX placed on my report. On XX/XX/18 XXXX XXXX sent a copy of a telephone bill with letter stating the bill is validated. Neither my signature or social security number on bill or letter. 

Thank you

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 2018-06-08 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: Credit Karma, LLC
State: FL

Complaint narrative:
I have 4 accounts on my credit report that should have a XXXX balance. 

1.XXXX $ XXXX Closed account switched to XXXX, provided them with policy numbers .... payments were automatically deducted from my account. Opened XX/XX/2016, XXXXXXXX XXXX Company 2XXXX XXXX XXXX {$420.00} Closed account when we moved to XXXX, paid balance in full, it had to be in good standings to transfer and start a new service. XXXX XXXX XXXX  3.XXXX XXXXXXXX XXXX XXXX {$690.00}, I submitted at the time of visit all my insurance information. The bill was covered in full with 100 % medicaid.XXXX XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX {$45.00}, again, should have been billed to medicaid.XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: FL

Complaint narrative:
I was a victim of identity theft, I tried with all 3 credit bureaus to get the inquiries from the last year removed, since I did not authorize them, the credit bureaus refuse to delete these inquiries which are hurting my credit score.

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 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of identity theft, I tried with all 3 credit bureaus to get the inquiries from the last year removed, since I did not authorize them, the credit bureaus refuse to delete these inquiries which are hurting my credit score.

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 2018-06-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
all credit reports XXXX XXXX XXXX equafax I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: TX

Complaint narrative:
all credit reports XXXX XXXX Experian XXXX I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies

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 2018-06-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called Transunion Credit Report Agency to notifiy that someone used my information and pulled a hard copy of my credit in two ocassions. My concern was aggravated when I noticed and confirmed that my call was being taken overseas. The Customer Service rep couldn't understand my request and the severity of my case. I asked for a supervisor or to be transferred to a US office and I was told " Transunion in United States was closed at this time. '' I gave my name, SS, DOB and address multiple times to people across the globe. 

No wonder the whole country 's identity is being stolen. 

How is Transunion allowed to handle personal informaton across the world? I need someone from the US Goverment to look into the security and handling of private information and the ability to STOP and solve this credit matters.

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 2018-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2018, I attempted to obtain my annual free credit report using website XXXX. 

Although I was able to obtain my XXXX credit report TransUnion refused to provide report through this site without explanation. I reached out to TransUnion directly and requested an explantion and copy of said report to date TransUnion has refused to provide said credit report or reasons why the consumer can not obtain said report as mandated by law through 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 2018-06-08 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: MARINER FINANCE, LLC
State: DE

Complaint narrative:
I disputed an error on my XXXX  credit report on XX/XX/XXXX. They have a negative account from Mariner Finance company listed on my report that has been paid in full since XX/XX/XXXX. I know for a fact the account is paid off and closed because the loan was for a car and Mariner Finance sent me the title to the car last year in XXXX XXXX which has been sold in XX/XX/XXXX. 

The response to my dispute is that it would remain as negative information on there because the information was verified as accurate. That is incorrect information and it needs to be removed. Also, they have been reporting account information after XX/XX/XXXX that says the account is OK or has been paid monthly when there is nothing to pay on the account for over an entire year.

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 2018-06-08 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: GA

Complaint narrative:
I noticed a bunch of inquiries that I did not make on my credit report on XX/XX/XXXX. I called and had them removed. I noticed a lot of other inaccuracies throughout all three credit bureaus. The following accounts do not belong to me. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - ( Account number unknown ) On XX/XX/XXXX, I received an email for a denial for a personal loan with XXXX XXXX that I did not apply for and the denial reason was that because I submitted an application within the last 365 days. I am filing a complaint that I believe that I may have been hacked for my information and I am desperately working with the credit bureaus to remove items due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 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: GA

Complaint narrative:
I noticed a bunch of inquiries that I did not make on my credit report on XX/XX/XXXX. I called and had them removed. I noticed a lot of other inaccuracies throughout all three credit bureaus. The following accounts do not belong to me. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - ( Account number unknown ) On XX/XX/XXXX, I received an email for a denial for a personal loan with XXXX XXXX that I did not apply for and the denial reason was that because I submitted an application within the last 365 days. I am filing a complaint that I believe that I may have been hacked for my information and I am desperately working with the credit bureaus to remove items due to identity theft

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