vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-04 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: FL

Complaint narrative:
I have been denied access to an ONLINE version of my Credit Report from the  XXXX  major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?

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 2017-06-04 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: FL

Complaint narrative:
I have been denied access to an ONLINE version of my Credit Report from the  XXXX  major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?

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 2017-06-04 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
I had terminated a phone contract with  XXXX  at the end of   XX/XX/XXXX   or beginning it  XX/XX/XXXX . The account showed as derogatory in my credit. However, I recently checked my credit and I believe the account was purchased by convergent and my account was re-aged to  XX/XX/XXXX . I never agreed to the re-aging.

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 2017-06-04 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: TX

Complaint narrative:
I never took out any loan with company or agency that the XXXX XXXX XXXX collects on behalf of. I was attending college at the Univ of XXXX when my GI Bill erred and did not pay for part of my tuition as it was supposed to. Rather than contacting me about the error, the Univ of XXXX  sent the debt straight to collections at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>I have tried to dispute this debt as being unfair under the FCRA. The XXXX XXXX XXXX  tells me that it doesnt have to comply with the FCRA and FDCPA since it is a state agency. The XXXX XXXX XXXX XXXX XXXX XXXX continues to report this as a collections account to XXXX  and TransUnion. <P/>Had the XXXX XXXX XXXX done the right thing and billed me before sending the debt to collections then I would have paid the debt in full immediately. <P/>I have tried to resolve this issue with XXXX XXXX XXXX on multiple occasion but was not able to. There is a XXXX balance on the account.

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 2017-06-04 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: TX

Complaint narrative:
I never took out any loan with company or agency that the   XXXX   XXXX   XXXX   collects on behalf of. I was attending college at the   XXXX   XXXX   XXXX   when my  GI Bill erred   and did not pay for part of my tuition as it was supposed to. Rather than contacting me about the error, the   XXXX   XXXX   XXXX    sent the debt straight to collections at t he State of Maryland 's    XXXX   XXXX   XXXX    <P/> I have tried to dispute this debt as being unfair under the FCRA. The   XXXX   XXXX   XXXX    tells me that it doesnt have to comply with the FCRA and FDCPA since it is a state agency. T he State of Maryland    XXXX   XXXX   XXXX   continues to report this as a collections account to Experian and  XXXX .  <P/> Had t he State of Maryland done  the right thing and billed me before sending the debt to collections then I would have paid the debt in full immediately.  <P/> I have tried to resolve this issue with   XXXX   XXXX   XXXX   on multiple occasion but was not able to. There is a  XXXX  balance on the account.

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 2017-06-04 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: NC

Complaint narrative:
due to history of unfortunate and unknown lack of management of my loans due to ex-spouse failure to pay my loans were neglected for years and accrued penalties and interest resulting in approx.  XXXX  in owed loans. I have been in an IBR with  XXXX  for over 10 years and head regularly and timely paid my monthly payment. I did not believe the total amount of the loan was correct and have spend hundreds of hours with attorney, investigating and working with the  Ombudsmen pr ogram to determine if i the penalties and interest accrued could be correct. I am a   XXXX   XXXX   XXXX   and as i make more income i become increasingly unable to manage the loan payment. The ombudmen program suggested i consider a  DIRECT r epay loan which would cap at a lower monthly amount. I was told to look at the student.gov site and  pick one. I want ed to determine all options and requested loan information  from Navient .  I fill out online and received two notification with loan repayment three times the amount of my current payment. I asked Navient on my calls if  i was under any obligation for the loan, as i was just reviewing all options and was told NO. I made a third call this week to inform that i still was unaware of what the payment would be under this payment plan compared to my prior plan and they were still computing the amount having finally received my pay stub. When i spoke to the Navient rep i informed that I had had 9 years of payment in my other plan that went toward the 25 year forgiveness which i now lost. I to ld Navient that i did not sign for the loan but was simple inquiring on options and they informed that the online application was binding and i had 10 days to cancel this consolidation. I was misinformed by both us.gov and Navient and need assistance in canceling this conversion. I will now re=start 25 years toward forgiveness for a loan that will never get paid due to the amount and type of payment plan. I am diligently trying to manage this debt and have reached out to congress and other legislatures to review the laws that do NOT protect the borrower. Pl.ease let me know how i can receive some assistance with this loan that I did not intent to commit to and was intentionally misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
My mortgage service r, Seterus, refuses  to send me monthly statements. I have not received a monthly statement in over 1 year. I have no statements  for the 2016     year and do not even know my loan number.  <P/> I have not chosen to go paperless and use the statements to remind me to make the payment. My la st 2 pa yments were late because I get busy and then forgot. I had paid the late fee, but this is very disconcerting for me. I rely on the paper statements.  <P/> This is a   XXXX   XXXX   loan It is my understanding that there is a Periodic Statement Rule and Seterus is required to send me my statements.

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 2017-06-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I took out a credit line mortgage in  XX/XX/XXXX with Citibank. Citibank issued a satisfaction of mortgage that was filed releasing the mortgage but does not understand that I am unable to complete the short sale of my property unless they release the judgment lien they filed against the property in  XXXX . I have an approval to close on my sale. However, the Title company advises I must have a release of the mortgage and judgement lien. The judgment lien is for the credit line mortgage which Citibank issued the satisfaction for. I have tried to explain this to the customer service dept, but no one understands and keep sending me the same document.  <P/> I have attached a copy of the original credit line documents and the judgment filed with the court. I simply need a release of the judgment lien which releases the same credit line mortgage, I was issued a satisfaction of mortgage for. Please see attached.  <P/> Time is of the essence on this matter. Please 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 non-monetary relief
Consumer complaint received 2017-06-04 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: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Regions bank reported to the credit bureaus that I was 30 days late for a payment of  XXXX  that was due on  XXXX   XXXX . They reported this on  XXXX   XXXX  How is   XXXX   XXXX  considered 30 days late! I was going to make a payment on   XXXX   XXXX   specifically to avoid the delinquent reporting.

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 2017-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA is practicing unfair   auto loans, interest is added to your loan daily which is NOT on your loan contract. Santander als o cons their customers into making their payment turn out to be late despite being made on time by taking extra long during their processing. All  XXXX  of my car payment have all been applied towards interest only. My auto loan has decreased a total of {$50.00} in 3 years! Please help do something about this company! I am begging! I have paid almost {$14000.00} on this loan and I am currently {$12000. 00} upside  down! I am unable to trade in the car to get a new car now that my credit is great. Please help me get this rectified so that my principal balance is lowered and I am able to get out of this horrible situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NATIONSTAR MORTGAGE LLC
State: SD

Complaint narrative:
In XX/XX/XXXX my Bankruptcy was discharged in the Federal Court in XXXX XXXX. Included in the bankruptcy was a mortgage on a piece of property located in XXXX, XXXX which we did not retain. The Mortgage company ( Nationstar Mortgage ) filed for foreclosure in XXXX, the district court in XXXX, XXXX  dismissed the case finding the Mortgage company had engaged in illegal lending practices. In XXXX Nationstar mortgage sold the mortgage to XXXX XXXX XXXX, this this point to date XXXX  continued calling me and sending me letters stating that I owed them this money, I explained that this was discharged in bankruptcy and request that they do not contact me on this no longer, They have called me no less then 30 times and continue to call, I have also found that they have placed derogatory items on my credit report causing me to be turned down for recent loans. How can they continue to do this after the item was discharged in bankruptcy, I understand that the original lender had the right to foreclose, it has be 7 years and 120 days since I stop making payments to the original lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I bought a XXXX XXXX XXXX XX/XX/XXXX. I have never been late on payments. On XX/XX/XXXX I called Ally Financial and told them that I was going to pay the vehicle off in full no later than the middle of XX/XX/XXXX as I was receiving a small trust. I asked that I not make a payment in XX/XX/XXXX and that they please be flexible and not charge me a late fee as I was going to be paying the car off. The woman I spoke to, XXXX, spoke with her supervisor and then told me that would be fine. She told me the payoff would be # XXXX and to add {$4.00} each day until I paid it off. <P/>On XX/XX/XXXX, I received five phone calls from Ally Financial. I called them back the same day. A man started telling me I owed them a late fee. I told him I did n't and I had already spoken to .... at which time he interrupted me yelling over my voice so I could n't understand anything he was saying. I kept trying to tell him there was no late fee, blah, blah, blah, and that I had already worked this out with Ally Financial, but he would not let me say two words. He continued to drown me out for several minutes. I finally told him, " SHUT UP. '' He would not be quiet. <P/>After several times of telling him to shut up and listen, he finally shut his big abusive mouth. I explained. He said, " You do n't owe a late fee forXX/XX/XXXX, you owe a late fee forXX/XX/XXXX '' I told him I did not. I hung up on him. This was the first I 've heard of this. <P/>My Credit report shows that I have never been late and that I have a perfect record with them. I 'm making an attachment of the coupon to pay that they send me although I pay on line. I 'm telling you something needs to be done. As soon as I turned XXXX years old, I have been lied to, harrased, intimidated, abused by one creditor after another when I do not owe them the money they claim that I do. I have other things to do with my time then sit around on my phone when I 'm genuinely trying to find out what the hay these trained abusers are getting at. If I were a XXXX year old man, they would n't be doing this to me. <P/>
Please, please, do something. You will be getting two more complaints from me from other companies. As soon as these companies think there 's a chance that we seniors are suffering from dementia or are easily intimidated, they all jump on the bad wagon. This is so incredibly cruel and bad and I think any company that does that needs to be put out of business.

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 2017-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have funds in my paypal account, and they will not release my money until 180 days. MY account #  XXXX  XXXX  XXXX . I have {$440.00} in there.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: Perfection Collection
State: TN

Complaint narrative:
After 3 years of having and paying on time my account is fine and paid by bank draft. The salesman forged my name on a lady I referred to them contract and was confirmed by  5 emp loyees at the company. It was sold to perfection collection and they will not accept my explanation. Was told by  XXXX   XXXX  at perfection collection that if I had the company call and confirm this he would remove me from collection. The security company removed my name from contract and we called on  a 3 w ay phone call with a security representative the employee at perfection said they bought the account and would need more and that I should file a forgery report with local police. The security company representative asked if he would send a letter stating that would say what he had just discussed with us and get my name off the collection report. Perfection collection employee took my email information and hung up on m y 3  way call. I still do n't have the email and do n't think they will My name is  XXXX   XXXX  and security company is   XXXX   and   XXXX   employee that was on the  3  way cal trying to help me was  XXXX .  XXXX  has acknowledged the forgery b y 5 differ ent employees. I feel they will handle the salesperson for the forgery and appreciate there willingness to help get this cleared from my record Perfection Collection will not listen to me or  XXXX  and do n't do what they tell you to do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
Ladies and Gentleme n : Caliber Home Loan s is a mortgage company in  XXXX   (   XXXX   ),  TX, and in California.     They programmed their mortgage application   XXXX   to back off and not send out the required consumer notices onc e Caliber h as the  XXXX  points of data from the consumer who is applying for a new loan. They are very pleased they have found programmers who will do this for them.     Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Bridgecrest credit is reporting incorrect information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: FL

Complaint narrative:
My name is  XXXX   XXXX  I have been a victim of identity theft. I have sent a my identity theft report along with a police report to the credit bureaus on  XXXX  2017 an d I have no problem with  XXXX  but transunion did not honor it. I know transnion is suppose to send a code and the creditor is suppose to agree to that code. These accounts federal loan servicing are all reporting from a fraudulent account in  XXXX  Ga. I stay in  XXXX  and have stayed there all my life. Transunion has my report and they have a police report and they are breaking federal law by not deleting the known fraudulent accounts not to mention they acknowledge the account is fraudulent and they acknowledge having my police 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
Consumer complaint received 2017-06-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX   credit is reporting incorrect information on my credit reports.

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 2017-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express closed my BLUE CASH AX account XXXX XXXX XXXX XXXX some time back and confiscated my REWARDS BALANCE of {$700.00}.
<P/>
I have paid A
MEX the balance due in full in accordance with the Cardmember Agreement. <P/> I twice requested that AMEX make the points available to me. <P/> Amex refused. <P/>
I did not know that CPFB could intercede on my behalf on matters such as this or I would have pursued this Complaint two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Received a collection letter from   XXXX   XXXX   stating I owe  Capital One a   balance of {$1200.00}. I only have  XXXX  accounts with capital  one  and both are current on payments. Please have this collection removed from my credit reports and cease collection since the debt is not mine. Also the letter was sent to the wrong address, it was sent to an address to where i never resided. So I am confused why I am being sent to a collection agency for a debt that is not mine, and an address that is not mine as well. As mentioned please remove account and collection from my credit report. Also checked the account number and have no account number relating to the account referenced.

Company response to consumer: Closed with explanation