vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX/Carrington Mortgage Service is denying me a loan modification. I have had a medical hardship which temporarily reduced my income. They say that an investor or group of investors wont approve my loan modification request even though I have enough income to pay my monthly mortgage payment and had been paying a payment each month demonstrating my ability to pay. Apparently XXXX XXXX XXXX XXXX XXXX XXXX  is the trustee for the investors. I would like both of these companies to be contacted about my complaint. I believe Carrington is a dishonest servicing company based on the misinformation they have given me and failure to provide responses in a timely manner as required by law. My second major issue is they have failed to have a face to face meeting with me or respond to my letter requesting that. I spoke with them on XX/XX/XXXX and they verbally tried to discourage me from a meeting, saying the meeting would do no more for me than what I could do by phone. I pushed for a response to my written request and was placed on hold while a manager was contacted. I could not speak to the manager and was told the same thing again and also that I would have to drive 200 miles for the meeting that they would not come to me. I said fine, I continue to request the meeting. The gal said she would give another message to her manager and they would call me but if I didnt answer wouldnt leave a message. I do not know who my actual mortgage holder is and can not make any headway with Carrington in order to save my home. I have a substantial amount of money to pay towards the past due, but they refuse to negotiate. The only option they have given me is to pay XXXX on the XX/XX/XXXX but they cant guarantee they will accept that after that or tell me how long I have to pay that amount. I almost have that total amount and will have it on the XX/XX/XXXX and will attempt to get them to accept it. They are shady and dishonest and havent been following their own information and timelines they provide in writing. The servicer also changed the terms of my original mortgage holder and started refusing to accept late payments on different terms than the original mortgage holder did. They also failed to pay my taxes on the property for one of the parcels and then when I found out they raised my monthly mortgage payment to make up for their mistake. I would also like a copy of the note or deed for my home that shows who supposedly owns it now. My mortgage had changed hands so many hands I no longer no who I actually owe the money to and how to contact them. I really need help dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We want Sps mortgage inc investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/XXXX. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now Sps mortgage inc. We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX XXXX  now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX acct # XXXX XXXX XXXX : XXXX XXXX *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I leased a new XXXX XXXX XX/XX/2016. During the course of the lease I made multiple visits to their service department requesting repair or replacement of my bluetooth so I could have hands-free telephone operation. Though it was clearly defective from an operational standpoint, they could not identify the source of the problem and refused to replace it. When my lease was up, I purchased a XXXX and their bluetooth system is flawless. When I returned the vehicle, Mercedes wanted to charge me {$590.00} as an end of lease fee which they agreed to waive as an " incentive '' to lease another Mercedes. I advised them that their failure to provide me with the functionality I was paying for was a dis-incentive to lease another Mercedes and that they should waive the end of lease fee as restitution for their failure to perform by not providing the service I contracted for and was paying for as referenced above. 
A second and more troubling end of lease charge was for low tread on two of the tires. If one leases a car for 30,000 miles, one has the right to anticipate the tires will last 30,000 miles under normal driving circumstances which mine are. There were 27,000 miles on my car when I returned it. The simple fact here is Mercedes gets you to pay for new tires twice though you have only driven the car for mileage well below the tread life warranted by the tire manufacturer ( 55,000 miles ). Then Mercedes can sell the vehicle with new tires paid for at a cost of ~ {$600.00} by the lease customer. In effect, the customer pays for tires twice. This in my opinion is a scam.!

Currently my credit score at XXXXXXXX is XXXX. Now Mercedes is threatening to turn my account over to collection as a means of " extorting '' money from me that they are not entitled to receive. In point of fact, it is my true belief they owe me a refund for the services I paid for but did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
3 Credit Bureaus have not been updating the correct information on my XXXX XXXX Account.

Letter attach as proof no balance.

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 2019-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: SD

Complaint narrative:
I have a total of {$150000.00} outstanding The issue is that my servicer for four of these loans, nelnet, has {$46000.00} split into two payments. One for {$140.00}, and the other for {$60.00}.

I thought it woukd make sense to consolidate these notes, however, once on StudentAid.gov, the option to consolidate raises the interest rate from 6.8 % to 6.875 %, and it raises my monthly payment amount for the Extended Fixed plan to {$320.00} per month.

Whereas, my current two payments are a total of {$200.00} per month.

A simple loan consolidation should cost less money in the long run, not more. 

I do not understand how these repayment estimates work : Standard You will pay a total of {$100000.00} over 360 months {$300.00} - $ XXXX/month Graduated You will pay a total of {$110000.00} over 360 months {$260.00} - $ XXXX/month Extended Fixed You will pay a total of {$96000.00} over 300 months {$320.00} - $ XXXX/month Extended Graduated You will pay a total of {$100000.00} over 300 months {$260.00} - {$45.00} Why am I scheduled to pay over twice what my loan principal is? 

$ XXXX/XXXX  = {$460.00} x 6.875 % = {$3100.00} + {$46000.00} = {$49000.00} total to pay back. 

However, the Government student loan industry expects me to pay : Standard : $ XXXX/ {$49000.00} = 220.8 % of the original loan terms. 

Graduated : $ XXXX/ {$49000.00} = 236.6 % of the original loan terms. 

Extended Fixed : $ XXXX {$49000.00} = 195.7 % of the original loan terms. 

Extended Graduated : $ XXXX/ {$49000.00} = 211.9 % of the original loan terms. 

I'd like to know how this is legal? If I had borrowed a 300 % payday loan every semester to cover my expenses, at least I could declare bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XX/XX/2019 I called Navient about options available to me for postponing or lowering my bill. The due amount came to a total of XXXX for that month. The loan total owed in its entirety comes to XXXX. I let them know that my mother and I are both recently unemployed. They searched for options and said I had exhausted all forbearance 's and deferments of any kind. I asked about lowering my payments and they let me know there was nothing they could do to lower my payments as they were already as low as they could make them. 

There was a series of three calls made that day made in attempt to hopefully find some sort of person that might be able to help, and the answer always ended the sameway. This is the amount I owe and there is nothing we can do to change that at this time. 

I stressed the dire nature letting them know that there was no possible way for me to make a payment in my current condition and no options were made available. XX/XX/2019 I checked my balance and it shows I missed a payment. I had not been contacted about options they might have discovered or changes since my previous inquiry. 

I really wanted to find some sort of solution through them but in the end I was trapped in a position where the company provided no relief no matter what I did to try to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a coupon in the mail for a {$300.00} bonus upon opening a Chase Checking account. In California, my banker opened an account for me in early XXXX, but since I did not have the coupon on me at the time, he said that he had applied it from his own coupon book. 

A month later, after my direct deposit went through ( one of the requisites for the bonus ) and waiting for number of days that the fine print says for processing, I did not receive the bonus. After multiple trips to the banks and calls, Chase Bank insists that since I past 20 days from the account opening the coupon is unable to be retroactively applied. 

I was advertised a product, promised that the coupon was applied ( which I made clear was the reason I was incentivized to open this account in the first place ), and did not receive this bonus. 

Chase Bank suggests closing my account for 90 days and then reopening it, but this will be a hit on my credit and is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-16 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My SSN on this profile remains incorrect despite me having mailed Experian copies of foreign passport, ITIN letter by the IRS and bank/credit card statement. 

Experian kept using my XXXX SIN instead of my US TIN despite me having advised them multiple times to fix this ( and they refused listening, refused correcting from any means!!!! )

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 2019-02-16 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is a company that I financed two vehicles with. The first loan was completed and paid of successfully. The second loan I had to give the car back which they have sold and refuse to give me the balance that remains on the vehicle which is reporting negatively on my credit report. I have disputed this information with all 3 bureaus and each time XXXX XXXX XXXX reports they are reporting correct information. The amount that reflects on my report is {$9800.00} which is the remaining balance of the original loan. They will not update me on what the remaining balance owed is since the sale of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: PA

Complaint narrative:
Credit Bureaus has not updated my account and I have attach copy as proof of payments been paid on time and current.

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 2019-02-16 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: PA

Complaint narrative:
Credit Bureaus has not updated my account and I have attach copy as proof of payments been paid on time and current.

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 2019-02-16 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: PA

Complaint narrative:
Credit Bureaus has not updated my account and I have attach copy as proof of payments been paid on time and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is the collection agency that is reporting inaccurate information to my credit report. I have disputed with them and through all 3 bureaus multiple times and they keep reporting that the information is accurate but refuse to provide documentation from the original creditor whom is the XXXX   XXXX  XXXX XXXX XXXX.I originally tried to reach out to the apartment complex myself but this complex was sold to another company and they have no record of anything. I disputed the balance they say I owe which is {$5300.00}. I've asked they send me proof of this balance and they keep sending me the last account ledger ( which is inaccurate ) from the Apartment complex prior to them being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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 — Problem with personal statement of dispute
Company: Harley Davidson Financial Services Inc
State: MO

Complaint narrative:
My ex cheating girlfriend wrecked her old XXXX XXXX and it broke her leg from collision long time ago. She wanted a new motorcycle she could not buy it with ruined credit scores so I was stupid kindly co signed a 2008 XXXX XXXX for her just to make her happy but then she screwed me over and deceived me she rode off with her several trashy secret lovers. 
She removed my co owner 's ship on the bike and added it to her new boyfriend 's name. I need these unwanted information stored on my credit reports removed. All they do is causing me to have money damages and ruined my life! 
Truly yours XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: GA

Complaint narrative:
I wrote to Experian and XXXX concerning acct # XXXX. They stated that the account is accurate and varified but XXXX  did their investigation and deleted it from my account. I have been trying to get Experian and XXXX to please remove this from my account as well. I attached the document that shows XXXX  deleted this from my credit report. This is hindering my ability from obtaining 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 non-monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
On XX/XX/19 i noticed a new collection account on my credit reports from XXXX. They are not bonded in the state of Texas and therefore can not collect a debt on behalf of XXXX XXXX XXXX XXXX amount {$2000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I wrote to XXXX and Equifax concerning acct # XXXX. They stated that the account is accurate and varified but XXXX did their investigation and deleted it from my account. I have been trying to get XXXX  and Equifax to please remove this from my account as well. I attached the document that shows XXXX deleted this from my credit report. This is hindering my ability from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
There were a few international charges that were flagged by my bank. I immediately called and had the card shut down and a new card was issued. I was told I was not responsible and the money was put back into the account. Several days later the charges reappeared. When I called the bank I was then told that I was given mis information by the analyst. Charges are still occurring days after the card was shut down. Now there telling me that I have to file an investigation when this card was allegedly shut down and the charges were removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: GA

Complaint narrative:
I have been trying to get Experian to update my report. They show a KD on acct # XXXX & XXXX when my account has been paid in full. I know if they sent a request to XXXX XXXX, they would see this has been paid in full. As it stands this is not accurate. This is hindering my ability to obtain 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 2019-02-16 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: Security National Automotive Acceptance
State: OH

Complaint narrative:
the account was made in 2009 and is currently past the statue of limitations. The company has not removed the account.

Company response to consumer: Closed with explanation