vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I opened a loan with Santander XXXX XXXX, I put 8k dollars down on a $ 13k car and noticed that my interest and payments were never reflected on my account correctly. Due to an illness I was out of work and struggling to make my payments. Santander repossessed my car several times making me pay large sums of money in order to get vehicle back that never went towards the balance owed on the vehicle. My interest rate was set at 28 % for a XXXX vehicle. The last time it was repossessed in XXXX they sold the vehicle at the auction. I am still being told that I have a balance of {$5200.00}. I owed a little over 7500 dollars at the time of repossession and the vehicle was sold for XXXX XXXX XXXX value of $ 4k. I feel like my balance would be less but it seems to be increasing every month. I have attempted to settle with them to have my account rectified or settle in order to clear my credit and to purchase another vehicle but have had no success. I would like my account information and payments, interest etc to be checked for accuracy and then i would like my account updated and would like to settle with Santander for the amount remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
My total payment with Mortgage, mortgage insurance, and taxes is {$1000.00}. On XXXX XXXX my payment raised to {$1600.00}. With such a large increase I called my Mortgage Roundpoint Mortgage ) and they claimed my escrow was short due to an increase in taxes. 

On XXXX XXXX I quickly went to XXXX and confirmed my taxes have not increased. They gave me a copy of my XXXX tax bill and preliminary tax for the first 6 months of XXXX. They also said no tax payment have been made towards a majority of XXXX and none of XXXX. 

I called back RoundPoint and they looked at where my taxes were sent, XXXX XXXX which is not my township. In addition they said my taxes were more than double of what my taxes actually are. They asked me to email them my form showing taxes from XXXX XXXX and we would use my grace period to adjust this. I emailed the tax document on XXXX XXXX. 

I had a 16 day grace period. On XXXX XXXX I called back and was informed the new anticipated date for completion is XXXX XXXX. I told them this was unacceptable, I need my taxes paid and I want to pay my correct amount. They said they would " escalate '' this matter and I 'd get a call back Monday the XXXX. 

No call on the XXXX. I called back Thursday the XXXX and still no update. Again it would be escalated and I should have a call in the next day. 

RoundPoint Mortgage has been accepting my payment and not paying my taxes. This sounded incompetent at first when they said they were paying the wrong township. The fact they put the burden on myself to prove the amount of my taxes, which I did and still taking over a month to fix this almost feels criminal. My taxes have n't been paid in 5 months and now my mortgage payment is 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 2017-12-21 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: OH

Complaint narrative:
At the end of XXXX, I applied for borrowers defense. As a result, Navient put the administrative hold on my account for forbearance. I then received notification online in XXXX that I had to update my IBR information or risk losing my IBR status. I sent this information on XXXX XXXX via fax and online through the government website beginning of XXXX. I received 4 emails stating they needed more information then an email stating my payment was going back to the 10 year amount, that was XXXX XXXX, well after my application. I then called concerned thinking the IBR would go into affect after the forbearance is complete if it is not extended due to processing the borrowers defense. The person I talked to says the emails were in error and I was good to go. He does not tell me i can wait until after the forebearance to apply or verify that i know my payments will be due again in XXXX. Basically, they sent me emails to get me to call them so they can expedite the process, remove the forebearance, and start getting money from me again. The next day, they process the IBR, remove my forbearance and state I have an increased payment due in XXXX weeks. I call them and speak for an hour and a half being told my loans are not federal loans that they are commercial, told that I really have no option unless I want interest to capitalize by doing a regular forbearance, told that they ca n't give me back the courtesy forbearance because my loans do n't qualify even though they were in forbearance for months before that for the same reason. Basically told that i can choose to go into default and not given on viable option besides make the payment. This is a shady company that does everything it can to XXXX over student loan borrowers. The woman on the phone even told me my payments are XXXX and my statement clearly says XXXX. More lies. This organization also capitalized all my interest when they took the loan over from XXXX years ago and I have yet to get an explanation as to why. When I ask, I literally just get ignored with no response. Meanwhile, my graduate school loans are in the same deferment and XXXX XXXX sent me XXXX email stating they got my IBR information, they will process it when the forebearance is complete and ensure that I am taken care of. NAVIENT SHOULD NOT BE SERVICING ANY LOANS EVER! THEY ARE SHADY AND I WOULD IMAGINE DOING ILLEGAL PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and Transunion are refusing to remove the debt from XXXX XXXX XXXX off of my credit report for a apartment in the amount of XXXX. This debt does not belong to me I have a completely different address from what has been listed. I was married and shared two different homes over the course of the years in XXXX not in XXXX where this apartment is located. XXXX has removed this item off of my report because it does not belong to me, but Transunion and XXXX have yet to send supporting documentation that it is me. I have not went to court as a result of this debt which would be required for an eviction. I would like this removed promptly.

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 2017-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NH

Complaint narrative:
I have a foreclosure date set forXX/XX/XXXX and my modification has been going on sinceXX/XX/XXXX until now. Has gone through 3 servicer 's, started with XXXX for a year, they sold to XXXX XXXX XXXX for 3 months and I have had a lawyer for the last XXXX XXXX. The last servicer, XXXX has had it for 2 years and have been saying I do n't make enough money for a modification, not true the numbers show I make enough. I have written down and dated documentation of conversations and events through out the whole circus with these servicer 's. They say we did n't receive this or resend that, then they say we have everything and transfer it. My lawyer says my options are taking a chance with the judge, paying a XXXX to reinstate or foreclosure. From surfing the internet I have seen many ways to stop this foreclosure, this is how I found you. I just do n't trust my present lawyer anymore because he is not even discussing all my avenues. I just got married 2 years ago and it is really weighing in on my wife and I. I am XXXX XXXX, XXXX XXXX XXXX and maintenance and pretty rooted in here at my home with 2 garages, a lot of equipment and my snow removal route is designed to do a circle around the house. I have a commercial blower on the front of my tractor and just drive it around in a big loop at 15 MPH. I have 5 apartments, 2 buildings same location, and applied for a modification for that property in XXXX and got it so I decided to apply for a mod with my home. XXXX started reporting to the credit bureaus back in XXXX as being late and also said foreclosure initiated, this has dropped my score incredibly. I have equity in my apartments but ca n't use it to reinstate because I ca n't get an equity line because of the late 's on my report, so XXXX has really XXXX my. We desperately need to keep our house and I am willing to fight for it. I pay all my bills on time and just want to pay for the house as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. This account was over XXXX XXXX XXXX and closed. Just to be annoying this company opened it back up and reported it negatively to all three credit reporting agencies and of course dropped the score from over XXXX to around XXXX. This is not the first time that they did this. Once I challenged it with the reporting agencies it was corrected, this however was not something that was done on accident, it was done on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CA

Complaint narrative:
Student loan charged off after 45 days of no payment. Now XXXX XXXX XXXX XXXX XXXX call to collect outside of collection hours. They always call twice, back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Kohls Department Store-paid off account in XXXX, made a small purchase after on credit card. In XXXX XXXX, my statements were switched to paperless-not be me-with an incorrect email address also. As soon as it was realized, account was paid in full. Told by Kohls for months ( XXXX XXXX ) that it would be updated as it was Kohl 's error, lied to repeatedly, told the credit bureaus were the ones who would n't fix it, etc. Kohls is refusing to remove the one time late payment being reported to the credit bureaus, when it was indeed Kohl 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The issue I present before you for review and subsequently action is this : 1. I am attempting to apply for a mortgage for a home and when my credit report was requested by XXXX XXXX XXXX XXXX , the report was incomplete from only 1 Credit Reporting Agency and that is TRANS UNION. The Trans Union report has NO information regarding my auto loan on which I have been paying, out of my personal (  singular ) checking account for over 6 months. The other 2 Credit Reporting Agencies have the information just as it is shared with all agencies. All 3 agencies receive the information associated with my social security number ending in XXXX and the information regarding my co-owner on the note, XXXX XXXX XXXX ( my spouse ) and his social security number ending in XXXX, however Trans Union seems to have difficulty making the connection between all the variables. Variables : A. My name on my drivers license, when I applied for the loan was XXXX XXXX XXXX but on my social security card was XXXX XXXX XXXX. Variable B. I am the co-owner of this loan with my husband XXXX XXXX. Varable C. The finance company, XXXX XXXX, reports both XXXX XXXX and XXXX XXXX as making the payments on this loan on time and without lapse. 
2. I have attempted to correct this oversight and have spoken to various representatives of TRANS UNION,  including those in a supervisory role, but have not been able to correct the error they are making in their reporting. I have Faxed ( XXXX17 ) documentation explaining the issue and still nothing gets accomplished. I have been told on every single call " the issue is the name they are reporting and the social security number do n't match and that is the relevant issue and I ( representative ) will correct the record and the error will correct itself. '' Thais statement is incorrect!!!!! 
3. I believe the customer service associated with this company is so sub-par and the representatives have NO desire to actually correct the mistakes. I am quite confident, that had these reports, associated with my social security number, been derogatory in nature, there would be NO hesitation as to how they would adversely impact my report. 
I would like to enlist your assistance to address and correct this issue as I am sure I am not the only consumer who has had to deal with such atrocities! Thank you - XXXX XXXX. ( formally-XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX E-Mail : XXXXXXXXXXXX

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 2017-12-21 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: IL

Complaint narrative:
XXXX employee had my ssn from an account that I had in the past and ran my credit report without my permission or knowledge. I called XXXX they had it removed from my XXXX and XXXX but not my Equifax. The representative emailed me multiple times stating they had it removed from all three but my email automatically deletes emails so I do n't have it anymore. I called her back and she stated she would look into and get back with me but has not. I called Equifax and informed them that it was an error it was done without my permission or knowledge and I was told they would not remove it because an inquiry is always considered valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a check for {$5000.00} and tried to deposit it into my Chase checking account via the Chase Banking app, and it erroneously told me that it was a duplicate check. I have received checks every month for the same amount, but different checks with different numbers! After calling several times, I had been given info that perhaps the system was down, or that I was above the daily limit, which the one person said was changed to {$2000.00}, although I have never been informed of that. In fact, the app says my daily limit is {$5000.00} right when I want to deposit. I finally was told to send it by mail ( from XXXX ) and I sent it by expedited mail, and it still is not credited to my account, almost 2 weeks later. I think they should have a way to tell that the check was not a duplicate, and I would like to know if they are holding on to my check. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
We had XXXX as our carrier in XXXX and XXXX. We had no issue with service but in XXXX of XXXX we moved to XXXX XXXX, XXXX. We had a very bad signal and could not even activate a hot spot it was so bad. People in the area and at the XXXX local office itself says it is a known issue. We had to switch carriers because we could not get service and XXXX still is attempting to collect cancellation charges through Convergent. A collections item has now appeared on my credit report and is very damaging to my score. I should NOT have to pay an early cancellation for a service I can NOT receive!

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 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
A new debt popped up on my credit report listed for XXXX XXXX for XXXX XXXX for {$140.00}, an electric bill from the state of Michigan. It was listed as the debt collector being XXXX XXXX XXXX. I called XXXX on XXXX to get a copy of the original bill but it was from XXXX and they did n't have record of it once it was sold to XXXX XXXX in XXXX XXXX, I was told to contact them. I called XXXX XXXX on XXXX and was referred to XXXX XXXX XXXX at ( XXXX ) XXXX, apparently they were handling the collection for XXXX XXXX. I contacted total card inc on XXXX and told them I have never received anything from them about the debt. I also informed them that they placed the debt as being from XXXX XXXX when I have n't lived in Michigan in at least 5 years. The representative from XXXX XXXX XXXX  told me that she would not send me the original bill, she would only send me their company invoice which would just state how much I owe them, not the original debt date. I told her I had contacted XXXX and that the original debt date was XXXX, charged of XXXX XXXX. The representative from total card inc then told me that they would put the correct dates of the debt on my credit report only if I paid them the {$140.00}. To my knowledge I thought this was illegal. The representative told me I could email XXXXXXXXXXXX for a validation of the debt but since XXXX XXXX XXXX bought the debt there 's no guarantee I 'll receive the original bill and to just pay it so it reflects correctly. I want the correct dates of this debt and I believe I am owed the original bill with the correct dates of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: IN

Complaint narrative:
I have a tenant that signed a contract with XXXX XXXX XXXX who cancelled service and her contract. The XXXX corporation and their debt collectors continue to contact my tenant for the contract cancellation, but have also put this collection on my credit report. I had a conversation with Perfection Collection regarding this debt, and informed them it was my tenant that signed a contract not me. I have not been provided with any documentation with my signature on it to validate their claims, furthermore, I have a copy of the contract signed by my tenant with XXXX. this was placed for collections on XXXX for an amount of XXXX I filed a dispute with XXXX and provided documentation of the tenant signed contract. There was no resolution and the debt collection agency still contends the information is accurate. I have attached a copy of the contract signed by my tenant with XXXX as absolute proof of whose debt this is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Social Security Administration incorrectly listed me as XXXX dated XXXX XXXX, XXXX. When I was made aware of this issue from a TransUnion credit report on XXXX XXXX, XXXX, I promptly went into my local Social Security Administration office to verify  that I was not, in fact, XXXX. The Social Security Administration issued me an Erroneous XXXX Letter and advised that I submit this letter to various credit reporting agencies and financial institutions to unfreeze my accounts and correct my credit report. The Social Security Administration made me aware yesterday ( XXXX XXXX, XXXX ) that the information had been corrected in their system and no agencies or cards should have any reason to list me as XXXX. 

In order to have the incorrect information removed from my credit report, TransUnion asked me to fax them the Erroneous XXXX Letter from the Social Security Administration, which I did promptly on XXXX XXXX, XXXX. On at least two separate calls to TransUnion I spoke to employees named XXXX and XXXX who each advised me that they could neither confirm receipt of the fax nor help me understand the steps I needed to take to remove this false information from my report. XXXX specifically told me ( and repeated multiple times ) that she had " no idea '' how her agency receives information related to Social Security information and that there was no way they could refresh their information to reflect the most updated information from the Social Security Administration ( where the issue has since been corrected ). She also advised me there was no other supervisor I could talk to about the issue. 

Given this erroneous XXXX note will make me unable to obtain credit and that this error was unrelated to any prior actions I had taken, I would like an expedient route to have the error corrected in TransUnion 's system.

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 2017-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: TX

Complaint narrative:
I had an emergency situation and incurred a medical debt to a hospital in Oregon. I made payements directly to them for months and paid the debt off XXXX/XXXX/XXXX. At some point a debt collection company came into the picture months after my agreement with the hospital. Now that everything is paid off The debt collectors are holding my credit report hostage for {$35.00} of interest they say I owe them, not the hospital.

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