vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
Rented an apartment. Father was supposed to co-sign- however he never filled out documents so the apartment complex filled it out fraudulently and claimed I had and are charging both me and my father for their mistakes, negligence and lack of detail!!

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 non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Do n't know who  XXXX , or GreenLight Financial is, nor have I authorized, or signed ANY application for ANY credit inquiry for  XXXX , or Greenlight Financial on behalf of Nationstar Mortgage!!! I have been in receipt of credit inquiries for the dates of  X/X/2017   ,  X/XX/2017   , and  X/XX/2017    via credit alert coverage that I have through  XXXX / XXXX . I have had my identity compromised, and have filed a Identity Theft report  ( at tached ) with my local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
American Education Services ( AES ) -- my student loan company -- has reported me 30 days late to my XXXX credit bureaus for the month of XX/XX/XXXX while I was in an approved forbearance. <P/>I have attached Forbearance Requests for : ( All of which were approved. ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have also attached the approval letters from AES approving my forbearance requests. In addition to the fact that I was in forbearance when they reported me as 30 days late, in regards to AES 's XX/XX/XXXX policy surrounding approved forbearances covering and reversing any late payments, for both of those reasons, I should not have been reported to the credit bureaus as late. <P/>CFPB, I need your help. Please help me get this issue corrected. I plan to refinance these loans to get away from this horrible company. I need your help. My credit score dropped XXXX points because of their inaccurate reporting. <P/>Thank you so much! I am so thankful for you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
Ally is refusing to credit  a 3 payment rollover ( {$820.00} ) from our  previous lease, that  XXXX   XXXX  took over on my new auto loan, we are getting calls @ work all times of the day and at night. They were advised by letter and verbally by phone that no calls will be accepted to our personal phones as they are used for personal as well as work purposes, and is interruptive. A monthly budget payment was accepted on their behalf on paying the remainder of the auto loan. But yet we still get harassing calls from them. I copied the consumer protection laws from the .gov website and sent it as a reminder to the rules and regulations, but seem to go ignored. Si nce Ally has agreed to a monthly payment plan, we see no reason to have any phone contact from them. They were advised USPS correspondence is fine for receiving the bill. At this point we consider this to be harassment on their behalf. On a phone call with them yesterday, I advised any further contact would result in further civil action on our behalf. We do not deny the balance due, we just want the calls to stop.

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 2017-06-07 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: TX

Complaint narrative:
There is wrong information appear in my report. I demand to see verifiable proof of the accounts you listed  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX  Account #  XXXX    XXXX   Account #  XXXX  ''  XXXX   XXXX   XXXX  Account #  XXXX    XXXX    Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: TX

Complaint narrative:
There is wrong information appear in my report. I demand to see verifiable proof of the accounts you listed  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX  Account #  XXXX    XXXX   XXXX   #  XXXX  ''  XXXX   XXXX   XXXX  Account #  XXXX    XXXX    Account #  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 non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
This company is sending me documentation that is completely made up with no signatures. The document was clearly made up After my move out date with no signatures. The document that was signed by me in the move in date was disregarded since it had so many complaints in it and the new forged document with no signatures and with amounts that are clearly changed over and over being crossed out. Also date being crossed out over and over again. This company is committing fraud by forging documents with no signatures on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Two years ago i became unemployed. OCWEN told me to file an application for mortgsge assistance. With much delay with back and forth snd missing documents, they denied my appkication because they processed it as a modification. I filec again. It was the same stalling process which then i was told application expired and to start again. I resubmitted the application again which as per Ocwen, has been lost. I was denied mortgage assistance and foreclosure protection while unemployed. When i was paying my mortgage they had me over paying in escrow and they were not paying my taxes or insurance on time.
I have been working for six months. Ocwen will not allow me to make monthly payments until i pay {$45000.00} in missed payment which does not include interest and fees. In   XXXX   XXXX  , I wrote a complaint to their research department. I received a letter with a reference number and an assigned agent. The letter says i should have a response in 10 days. No response as of today. When i call and ask to speak with the agent i am told that person doesnt work there. Ocwen has caused me a great deal of stress and frustration. I fear becoming homeless everyday. They refuse to workout a payment plan or any agreement to resolve this situation. They advertise " we are here to help '' but they have failed to deliver required foreclosure protection to me. They have denied me assistance to avoid foreclosure. They have added to my already everyday struggle and have caused me more loss. They have failed to adequately investigate and respond to my concerns and complaints. They have initiated foreclosure before completing a review of my loss mitigation. I feel they have wrongfully initiated foreclosure proceedings. Should i hire a lawyer at this point? Is there anything you can help me with?
I would be grateful for your response.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I call transunionabout multiple inquiry, coaf  XX/XX/XXXX ,.   XX/XX/XXXX , XX/XX/XXXX     XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX .  XXXX / XXXX   XX/XX/XXXX .  XXXX  set  XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX    XXXX     XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX       XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX  only supposed to be one not 3 times.    XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX  XXXX / mail  XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX only supposed to be  one not two times    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX , XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX   XX/XX/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 2017-06-07 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: TX

Complaint narrative:
I have written letter after letter to Transunion  Credit Reporting Agency las t letter was sent  XXXX   XXXX  and I have n't received any paperwork that this debit belongs to me. I ask them to remove it off my credit report and they keep send letters verified but, not any paperwork of proof of who they spoke too, what the actual dollar amount or did they get this from a third party parroting agency? I also ask to check and change address because that may be an issue because my name is very common not sure if they did that but, I did put in a request for the correct address.

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 2017-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have student loans duplicated amounts on my credit report. Each of them was under  XXXX   XXXX .  Navient  has assumed all the responsibilities previously performed by  XXXX   XXXX  as a federal loan servicer to handle the billing and other services on federal student loans. Then, Navient switch to  Education De partme nt Navient th at causes the student loan duplication issue.  <P/> Understanding the problem, the credit report shows both :  XXXX   XXXX /Navient and  Education Department Navient duplicated with exactly the s ame balances.  XXXX   XXXX  never marked the transferred accounts as " closed '' an d Education Department Navient still " Open - Current ''.   XXXX   XXXX  /Navient does not mark the acco unt as closed after they switch.  <P/> I contact Navient hundreds of times and they never accept the error and never perform any investigation in relation of it. They only p rovide a   XXXX   XXXX   address to send any complaint letter to Navient Fraud Department. I sent a lot of letters and they never answer. I 'm trying to fix this more than 9 years.   <P/> They continue reporting late payments also under forbearance every months. I 'm desperate, because they destroyed my credit and continue calling me, but never accept the duplicated error. Again, I 'm sending a lot of disputes letters and they never answer.  <P/> I also verified my original Student Loans documentation  in the National Student Loan Data System  and shows double quantities ( error ) between  XXXX  University and  XXXX   XXXX /Navient.  <P/>   XXXX   XXXX  /Navient are thieves and abusers. They know exactly that they are doing.  <P/> They never provide me the original instrument of ended nest is his original form. Therefore and under the law, I am not liab le about any financial obligation issued by licensed financial institutions following the FDIC Law PART 1020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On  XXXX / XXXX / 2017  my previous complaint for  XXXX   XXXX  was erroneously closed.   No intellibgible resolution was found. My credit score was wronfully dropped from  XXXX  to  XXXX  and has still not been brought back to where it belongs at  XXXX . No expalanation was ever given by  XXXX . If it is not fixed soon they will be hearing from attorney with a lawsuit. I have attached a copy of screenshots showing the previous and current credir score with   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: NY

Complaint narrative:
On  XXXX / XXXX / 2017  my previous complaint for  XXXX   XXXX  was erroneously closed.   No intellibgible resolution was found. M y credit score w as wronfully dropped from  XXXX  to  XXXX  and has still not been brought back to where it belongs at  XXXX . No expalanation was ever given by  XXXX . If it is not fixed soon they will be hearing from attorney with a lawsuit. I have attached a copy of screenshots showing the previous and current credir score with   XXXX   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 2017-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On  XXXX   XXXX ,  2017 , I made a payment in the amount of {$70.00} t o Synchnrony B ank via their online system. I used the same banking information I had previous utilized for past payments. After I completed the transaction I was not provided with a confirmation number, and the page froze. I waited to see if the page would refresh itself, and it did not. I then minimized the screen and opened up anot her window to go back to the website. I was unable to get back into the website after 3 attempts. I then opened up the smaller screen to see if there was activity on the page, and the screen has turned blank. This is an ongoing issue with the website for the company. On more than one occasi on the website has experienced a glitch during payment, or has failed to respond to commands. On  XXXX   XXXX , I received a notification  of a 30day late pa yment from Synchrony bank posted to my credit report. I checked my bank account to see if the transaction had posted to my account and it did. I immediately called Synchrony Bank but was told nothing could be done to assist, the payment was not in there system and that another payment could be made, yet the late charge would not be removed from my credit profile.  <P/> I am in the process of purchasing a home for my son and I. I am a single hardworking mother that strives to pay all of my obligations on time on a monthly basis. I experienced a  XXXX  point loss on my credit profile due to the technical difficulties of the company, and I was simply brushed off with a pacifying " I apologize ''. I have had this account for over 1 year and have experienced the most difficult representatives in customer service out of all of my accounts. This inacurrate and negative item has halted my homebuying process and has caused severe emotional distress in my life. Every month there is a different issue with this account, the fees attached and the way the account is being billed.It is never consistent.

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 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Residential Credit Solutions, Inc.
State: IN

Complaint narrative:
RCS FAILED  TO REPORT TO   XXXX   AS PROMISED IN FACT ACT )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
NATIONSTAR I S FAILING TO REPORT THIS ACCOUNT ON  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Toyota Financial Services showing late payments on one of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from Toyota Financial Services showing no lates during the period in question ( XXXX, XXXX, XXXX of XXXX ). They are using XXXX math and tricks just like XXXX XXXX XXXX did. ( see FTC vs XXXX XXXX XXXX ). They admitted their mistake on the phone. I want the CFPB to investigate Toyota Financial Services on their business practices on how they report on all their customers to the XXXX  Credit reporting agencies. I feel I 'm not the only one they have hurt. Their mistake cost me XXXX points on my credit score. Contract monthly payments are XXXX. We pay XXXXmonth to help pay the loan off faster. They told me they REMOVED a XXXX XXXX payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the a mount due, the excess amount is a prepayment. https :  XXXX  Very truly yours, /s/  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I bought the car in XX/XX/XXXX, at that time I was employed as a XXXX making $ XXXX/yr. I lost that job inXX/XX/XXXX and was out of work for about 6 months. I asked Nissan several times to possibly lower my payment to accommodate my reduced income. They refused. They suggested a refinance, even while seeing how I 'd started to call behind in my payments. The next job I took on ( out of desperation ) started with a base pay of $ XXXX/year. Still, no help from Nissan. They deferred ONE payment a few times, even though agents have made comments on various calls as if a TWO payment deferment could have ever been an option. <P/>I called NMAC onXX/XX/XXXX, spoke to XXXX. She confirmed the car was out for repo and the # of days/payments owed. She confirmed that I needed a minimum of {$580.00} for XX/XX/XXXX payment to put a hold of the repo. I asked her a few times if this one payment would hold the repo action, and she confirmed. She suggested to call back with a payment confirmation # before XXXX, so that they can guarantee contact with the repo vendor. After XXXX, they could no longer guarantee. I made arrangements to get the {$580.00} and paid it. I called back and spoke with XXXX ( or XXXX? ). She confirmed the same info, took my confirmation #, and left me on hold for apprx 6-7 minutes while she " documented this '' to the account. XXXX ( or XXXX ) confirmed that she 'd noted my account and put the hold through on the repo. We confirmed my next payment arrangement forXX/XX/XXXX payday forXX/XX/XXXX payment. <P/>The morning ofXX/XX/XXXX, I was late for work because I did n't realize that Nissan came and got the car anyway. I called NMACXX/XX/XXXX apprx XXXX, and spoke with a supervisor in collections named XXXX . He said I needed to speak to Reinstatements, who would n't be in for another hour. XXXX confirmed that XXXX was correct in everything that she told me, however XXXX made it seem that neither collector should have provided assurance that the payment arrangement would suffice. I still have no clue as to where my vehicle is, why they did n't honor the hold, etc. <P/>My complaint is that NMAC is ok with collectors using deceptive practices, answering direct questions from me as a consumer, with deliberate inaccurate information. They lied to get me to make a payment, knowing that they would still allow the vendor to repossess the car anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: TCF NATIONAL BANK
State: IN

Complaint narrative:
TCF BAN K IS FAILING TO REPORT MY ACCOUNT TO  XXXX  CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation