vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
SANTANDER CONSUMER USA- AUTO LOAN -- XXXX/XXXX/XXXX i requested an extension because Texas was hit by a natural disaster " Hurricane Harvey '' On XXXX XXXX XXXX. My town and several others was declared a disaster area. I was told by Santander that i could get help with an extension on my car payment that was due XXXX/XXXX/XXXX. After speaking to several reps and getting the run around i was finally granted the extension and was given an option of extending it for one or two months. I let the rep know that i only needed one month and that i should be recovering and back on my feet after harvey had settled down. The rep then let me know that i would have to extend my loan from the current amount of like 5 years and in order for them to agree on the extension i would have to add 2 more months to my loan date. I agree 'd because i was in a tough spot. I disagree completely with the thought of them taking advantage of me during a natural disaster. First they seemed like they were there to help with those affected by Harvey, but they forgot to mention that i would have to extend my loan agreement and that the next two payments after that would be completely eaten up by interest. This is one of many complains! My next issue is that although i am aware of my high interest rate of 22 % due to me having bad credit. I disagree with the payoff amount. I have been paying on this car since XXXX XXXX. Today is XXXX XXXX XXXX and payoff amount is {$8300.00}. I have made all on time payments besides the Harvey situation and the extension. None of my payments have been reported to the credit agencies as they said it would. All of my payments have went towards interest rather then principle. Almost a year later and i have only made little progress. $ XXXX {$50.00} goes towards the principle balance and i believe this is not correct! Also it shows i owe {$4000.00} + in interest still. I planned on paying off the vehicle this month but realized that the agreement plus the car sales woman and the santander rep by phone all said that if i payed off early, i would be downsizing the inerest and only paying a small amount of interest at which was already accumulated as of the day of pay off. Now another rep is telling me i have to pay all of the interest plus tax title and lien when the contract states that i only pay for the amount i have left minus the interest if paid off early. I should not have to pay interest on the loan if payed off early! This makes no sense! This company is screwing me over and i will not tolerate it! I need answers as to why they are misleading me and i am paying more than what the car is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX shows on my Experian report with late shows and the loan was transferred by XXXX XXXX XXXX XXXX with out my consent or agreement or was not to my attention. I also did not agree or ask for no transfer in any way or ask. During transfer there was errors by XXXX XXXX XXXX XXXX  on there part in which caused a lot of errors and I disputed to XXXX XXXX XXXX and there was never any real reply to this issues. there was never documents provided to the issue nor any legal binding agreement to the issue when the disputes was filed. they never replied back as to XXXX never provided to me any legal documents showing any legal biding contract to terms and condition as stated by XXXX XXXX XXXX XXXX. 
Experian has on my credit errors I want remove or I 'm going to have to pursue legal issues on XXXX XXXX XXXX XXXX 
There also seems like a bunch of fraud in the act with out any binding agreement to transfer and changes with out notices and the credit report reporting while in transfer and dispute to why with no answer by XXXX XXXX XXXX XXXX nor ( XXXX ) as the original loan originator or what part they came in with out any notices or legal biding contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I have a mortgage with Freedom Mortgage. They are incorrectly reporting our XXXX, XXXX payment as late, even though the payment was made on time. 

On XXXX XXXX, XXXX, Freedom Mortgage was notified that I was in a Chapter XXXX bankruptcy. They suspended our ability to make payments online, so we were forced to mail a check into them. They did not receive ( or process ) the initial payment we mailed on XXXX XXXX, XXXX. They finally deposited the second check we mailed on XXXX XXXX, XXXX. They failed to process our payments in a timely fashion, which is causing a 30 day late payment on my credit report. 

Here is a summary of the charges on our statement. 

XXXX/XXXX/XXXX Payment Received ( {$2300.00} ) Detail XXXX/XXXX/XXXX Payment Received {$3.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail ( For XXXX XXXX, XXXX ) I have been asking for an explanation on this and they have failed to provide me with why the first payment was not deposited and the second payment was not credited properly, allowing the account to go over 30 days late. 

Furthermore, their online system is currently saying we are due for XXXX XXXX, XXXX, so we are not as late as they are reporting on the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX I attempted to link my XXXX account to my checking, and Capital One refused to allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XX/XX/XXXX i noticed someone using my information to try and get things in my name as a result I have over 10 hard inquiries on my transunion and XXXX report. Anything from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are all part of the fraud with exception of XXXX XXXX XXXX XXXX which is mine from a car loan an XXXX. I disputed all inquiries with all 3 credit reports and only XXXX has deleted them. Transunion and XXXX both denied my claims and they are in violation of my rights and of FCRA. I was told by both reporting agency that my information was part of their breach now my credit scores are affected and they will not do any thing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The call rep was very rude, and i disconnected. I was calling about inquiries that i didnt do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
The company is trying to collect debts they claim are mines and refuses to send enough information I requested so I can move forward to settle the debts if they are mines. I fax the two times. and wrote complaints two times on cfpb to resolve the problem hoping they will comply with me threw this site. Still, the refuses to do so. to my knowledge the debts are not, mines and they may remove the debts they can not provide more information about from my credit report NOW. they have flagged the account on all three bureaus as like this is a game damaging a person credit for something the refuse to provide when the documents the original creditors gave them are sitting on their desk. The told me to go and actually do a run around for something they can scan, print and mail out or reply to my complaints on XXXX. I am injured and I have told them that. The place they claim I have look it up and it is out of my county. Again I will dispute this with the credit bureaus with the same documents requested. they have 30 days to send me those documents so I can handle my the debts are trying to collect if it is true it is mines. They are the ones reporting it to my credit report and they are the only ones to remove it from my credit files. Also they can provide me a contract signed with the original creditor stating that I will pay the debts. And the last statements from the originals creditors showing the dates and how the amounts are total. the amounts XXXX  are trying to collect has the same amount {$980.00} for three accounts. I want the to make me believe the debts are mine. Sorry for the hard time but im not paying for something that is not mines. 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 2018-01-12 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am attempting to dispute our mortgage payment with Experian. I subscribe and pay for a monitoring service, which is supposed to enable me to have access to my credit report as well as an easy method to lodge a dispute. Neither is happening. 

I can not dispute my credit report through the online portal of my subscription service. Furthermore, I am unable to go to their dispute website to dispute the account because it claims I do not have a current copy of my credit report. I do have one - I am paying for their service and I have a current copy. 

I am attempting to dispute our mortgage payment which was marked 30 days late as of XXXX XXXX. They are not allowing me to dispute this account. The account was not paid 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 2018-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
To whom it may concern, hope you are well, I not sure what had happened with my monthly payment back in XXXX as you could see in attached file, I truly apologize, I realize how big impact this makes on my credit score in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
InXX/XX/XXXX i noticed someone using my information to try and get things in my name as a result I have over 10 hard inquiries on my XXXX and Equifax report. Anything fromXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXare all part of the fraud with exception of XXXX XXXX XXXX XXXX which is mine from a car loan an XXXX. I disputed all inquiries with all 3 credit reports and only experion has deleted them. XXXX and Equifax both denied my claims and they are in violation of my rights and of FCRA. I was told by both reporting agency that my information was part of their breach now my credit scores are affected and they will not do any thing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Date:XXXXXXXXXX From : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX To : Diversified Consultants XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX : Cease and Desist Acct # Dear : Diversified Consultants Inc I am respectfully requesting that you refrain from contacting me by phone, with no letters in the mail, by text messages and email. Please refrain from using such methods as skip tracing, to contacting my relatives and employer. Do not contact met at all! Your continues calls, letters in the mail, text messages, emails and such conduct has caused me to suffer humiliation, embarrassment, emotional distress and physical discomfort. Please take a note that any future unsolicited methods of contact will be reported as multiple violations enacted by the Federal Trade Commissions ( FDCPA ) Laws. If contact does not ceases immediately I will be forced to utilized legal representation from a FDCPA Attorney. 
Fair Debt Collection Practices Act including but not limited to sections : 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts  Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 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: FL

Complaint narrative:
Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want TransUnion, XXXX, XXXX to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Called XXXX XXXX 2018 to close account since I have paid {$2500.00} + financed fees of $ 4000+. Interest 135 %. They lower interest and monthly still owe {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: FL

Complaint narrative:
Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want XXXX, Equifax, XXXX to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 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: FL

Complaint narrative:
Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want XXXX XXXX, Experian to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I'am the XXXX XXXX of the XXXX XXXX tried to send {$400.00} to western union, however the name of the recipient was not the same as on the I.D., so i was trying to change the name using WU application " Western union cares complain '' from XXXX, which seemed ill be legitimate of those apps.I give my details to provide the transfer, I thought it was a genuine WU.I give my wife details and as a result, someone was able to collect the cash with a w rong provided ... .It was happen last XX/XX/XXXX i send the money and received by the unknown person XXXX XXXX ,2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: WA

Complaint narrative:
I got bill from XXXX XXXX XXXX XXXX and I paid the bill on XXXX/XXXX/XXXX but my paid account was send to Hunter Warfield collection for the same bill.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: LA

Complaint narrative:
I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX/XXXX  that display on all three of my credit reports. They are both unverified and not validated but yet they remain on Equifax, XXXX, and XXXX. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY. I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day Equifax, XXXX, and XXXX have not supplied that information.Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: CT

Complaint narrative:
I had entered into an income based repayment in XX/XX/XXXXwhile employed and had all federal subsidized loans with XXXX XXXX and then transferred to Navient. It was my understanding that any interest that my payment schedule did not cover were covered by the government for the first three years as per subsidized loans. I entered into forbearance because I was told this was my option if I was struggling to repay even under the IBR. In XX/XX/XXXX I lost my job. I assumed that any accrued interest was being paid for per the IBR during the 12 months of the forbearance. I was still unemployed by the end of the forbearance period in XX/XX/XXXX, and interest was capitalized on the loans upon the end of the forbearance to a total of {$210.00}. I made two months of payments using my unemployment compensation, before I became aware that I could proceed with an unemployment deferment. I remained unemployed from XX/XX/XXXX- the present and during the intervening years I reapplied for unemployment deferment. I still ended up having accrued interest applied at the end of the deferment to a total of {$640.00} which I am unclear as to why this occurred as I was in deferment the entire period. 

I was never informed that I could get {$0.00} payments under the IBR while unemployed, and have {$850.00} in capitalized interest that should n't have been capitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Bankruptcies and tax liens & judgment that are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Bankruptcies and tax liens & judgment that are incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Bankruptcies and tax liens & judgment that are incorrect.

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