vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX Check into cash XXXX XXXX tn XXXX granted me a loan which is paid off now .i was told that it would be a soft hit on my credit report i dont know why they hit it again in XX/XX/XXXX since they already hit it in XX/XX/XXXX ... Anyway i check my credit report last nite and it said check into cash CHECK INTO C XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX hit my credit report twice and hard it lowered my score badly - the person working at the time explained everything to me and said it was a very soft hit and to sign here i did. .I call the address above today it is the corp office and told her i disagreed with what they did all she was going to do is send me a copy of what i signed she ask me the name of the person that told me that but the people that worked there no longer works there any longer - My husband was standing beside me when i ask and when she told me it was a soft hit to my credit anyway she said that she would not remove it - i do not think it is fair and i told her that i was going to warn others i already told my husband he needs to check his report and stop going in there. personally i figure the reason they are hitting peoples credit report so hard is so they can ruin peoples credit and they will keep coming back in there and getting loans. 
Is there any way you can get it removed from our credit report? Please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. 
On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct,  ( XXXX ) XXXX, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several  correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a XXXX XXXX XXXX on XX/XX/XXXX. 
I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's  RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a  XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX mrcooper.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: CA

Complaint narrative:
To whom it, may concern : On XX/XX/2017 I purchased an apple XXXX from a XXXX affiliate store in XXXX XXXX Ca. 
Truthfully, during the subsequent months, I did have trouble keeping up with my payments, however, XXXX was willing to extend me time on my service ... keeping my phone on, and I would get caught up. Then without any forewarning whatsoever, they would no longer work with me. 
At this point in time, I respectfully requested that they send my final bill as I would seek a new vendor/network. 
The VERY DAY after I received the final bill as requested, I also received a collection account letter from a company called Convergent. I called this firm, explained the situation, and they said ... '' take it up with XXXX '' Consequently, I have never had any further correspondence from the collection agency, and all my efforts to remove the damage to my credit report ( phone calls and letter ) have got me no where. 

This is a blatant and absolutely unfair, and bad business to do things in this manner. 

Thank you in advance for your consideration. 


Sincerely, XXXX 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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received an email on XX/XX/2018 from my Transunion account stating my credit dropped 36 points. I called and was told they could not offer me an explanation as to what caused it to drop, they reviewed the 6 factors that may have cause it, I explained nothing had changed from XX/XX/XXXX to XX/XX/XXXX to  have caused that drop. They offered me a copy of my credit report. Once I received and found no changes from XX/XX/XXXX to XX/XX/XXXX that could have caused a 36 pt drop I called again. I spoke to XXXX ( XX/XX/18 ),  XXXX explained the 6 factors and went over my accounts with me which I explained they were all the same, nothing has changed. XXXX could not give me a reason for the drop, I was transferred to a Supervisor XXXX. XXXX also could not explain why it dropped 36 pts but explained he  would remove a few accounts that would be dropping soon anyhow. About a week later my score went back up to XXXX. On XX/XX/XXXX I got another alert that my score dropped 39 pts and the 1 change in my report was a balance decrease of {$310.00} on my XXXX XXXX. I have been working on my credit for some time now and having Transunion dropping my score by 36 and 39 pts at a time is causing a huge hardship for me, especially when they can not explain why its being dropped. I can not work on fixing a 36/39 pt drop when they can not explain the reasons. I hope you are able to assist me with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  is listing two separate accounts as in a Charge-Off status. Both accounts have been paid in full. They did not correct their errors when I had requested them to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  is listing two separate accounts as in a Charge-Off status. Both accounts have been paid in full. They did not correct their errors when I had requested them to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
After receiving a copy of my consumer report I noticed inaccurate information being reported by Santander Consumer, USA. I then sent a 1692g request in which was received by Santander on XX/XX/2018, at approximately XXXX. Santander failed to respond to the requst and continues to report inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was sued by Discover Card after failing to keep up on payments. I was without an address for many months and not receiving their letters. Because of the company 's inability to contact me in XX/XX/XXXX, they took legal action to collect those funds and were awarded a judgement in court. 

I was served legal papers by a representative of the bank as soon as I was able to establish a permanent address. I immediately contacted the bank to make payment arrangements and established a plan. 

After moving from XXXX  to XXXX, I found myself unable to keep up my payment arrangement. I contact the attorneys for Discover at XXXX XXXX in XXXX XXXX, XXXX to let them know this in XX/XX/XXXX and was told it would be ok to contact them in the summer to resume payments. The women I spoke with was quite friendly, too, which was a huge departure from the quite rude and judgmental male I generally speak with concerning my case. 

In late XX/XX/XXXX, I attempted to use my bank debit card and was declined at the store despite having money in my account. I was informed by my bank that Discover had placed a garnishment on my account to recoup any possible money coming in and that the garnishment would be in effect until XX/XX/XXXX. I was unable to use my account for over a week because of this. 

I feel it was deceptive for the bank to have told me it was ok to temporarily halt payments, then take this course of action. I generally received phone calls from the law firm when there was a pressing issue to deal with ; I received no such courtesy from Discover 's attorneys prior to the garnishment. The company assumed I was just ignoring my debt. They said they would have to review a recording of my phone conversation with their representative to corroborate my account of events. 

I no longer feel like I can trust the agreements I make with this firm over the phone or even in writing, and I don't have the money for a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: Navient Solutions, LLC.
State: UT

Complaint narrative:
This happened years ago, before the CFPB existed. 

I notified Sallie Mae multiple times that I wanted my extra payments applied to the principles of my highest-interest loans. I called them when the principles were instead applied to my lowest-interest loans. They never changed it, and eventually I gave up. Please make them stop doing this to people!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Mr. Cooper is a brand name for Nationstar Mortgage LLC. Nationstar Mortgage LLC is doing business as Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper. I have a payoff quote issued by this company on XX/XX/18 that clearly states that the amount of {$60000.00} for the pay off was good through XX/XX/18. However, upon selling the property they told the titling company a completely different figure, {$61000.00} that was {$730.00} higher than this quote. They are refusing to honor their quote. Spoke to XXXX at the escalation department. Additionally, they claim that they may take up to 30 business days to process the payoff ; however, their quote has language stating that any over-payments will be disbursed no later than 20 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
A person opened a XXXX account and ran up a bill of # XXXX. It was opened in XX/XX/2018 and closed in XX/XX/2018. 

The collection agency Diversified Consultants ( XXXX ) in Florida reported the account in collections to XXXX  which immediately lowered my credit score by 100 points. 

I filed dispute paper work with XXXX 3 weeks ago and they have done nothing to resolve the problem. 

The account number is XXXX XXXX. The address that opened the account is ( XXXX XXXX XXXX, XXXX, CA XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/17, the merchant sold me goods for {$530.00}, including sales tax, ( a used truck radiator support part ) different from that agreed upon ( after the purchase I found it would not fit as represented by the merchant ). After being told by the merchant the part would be exchanged for the correct part, I returned it and the return was accepted. The replacement part, however, also was not correct for my classic truck restoration and the merchant had no other part to offer. He refused to provide a Visa credit, went out to his yard, retrieved the returned part and attempted to stop me to throw it into my vehicle to take away. On XX/XX/17, I entered a billing dispute with Citibank. On XX/XX/17, Citibank 's Dispute Resolution Unit ( Dispute Unit ) sent me a copy of the merchant 's response of XX/XX/17, giving inaccurate and false statements submitted by a person who was not a witness or involved in the sale and return transaction. The Dispute Unit then gave me until XX/XX/17 to further respond. I did so on XX/XX/17. Citibank, however, refused to acknowledge the my document ( later, it finally did but said it was then too late to take action ), and relied on the inaccurate and false statements about the transaction submitted by the merchant. Citibank incorrectly stated on XX/XX/17, that it had no authority to take any further action contrary to Reg. Z.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/2019 I called to tell Equifax to remove the freeze I had put on last year when their system was hacked. They said I did not pass their security check. They asked me to fax my personal ID including my SS card and driver 's licence which I did immediately. I was told the process took 48 hrs. It is now 3 days later. I have called 4 times and they keep telling that they either a. have not received the fax or b.they have not entered my request into the system or c. It takes 7 to 10 days. Each time I call and go through their process I apparently do not answer the questions to their satisfaction. I suspect that they have wrong information. I tried ordering a copy of my credit report online but they refused. I am in the process of buying a house. This delay may destroy my ability to complete this purchase. Time is of the essence here! Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing accounts on my credit report that were not being reported accurately that it should be deleted and Experian & XXXX   came back to say the accounts were verified when I showed documentation proving that it should be deleted. I sent the letter certified to the creditors on my credit report and they had no documents showing the reporting was valid nor accurate. XXXX was the only bureau to correct this. 

Attached I have written the results of a previous dispute with the CPFB and XXXX  corrected the information but Experian and XXXX will not follow suit. 

Thank you for submitting your complaint on XX/XX/2018, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to XXXX. The Results of Our  Reinvestigation provided XX/XX/2018 : We have researched the accounts. 
Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This account is currently reporting paid as agreed, with no late payments. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT 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 2018-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have multiple inquiries from XXXX XXXX showing on my Credit report and I have tried multiple times to have them removed. I have been given the run around no one ever responds and the Credit agencies request I contact XXXX for a letter of deletion. 


Inquires date : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX ( promised by rep after preapproval that i wouldn't get a hard inquiry on report )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have multiple inquiries from XXXX XXXX showing on my Credit report and I have tried multiple times to have them removed. I have been given the run around no one ever responds and the Credit agencies request I contact synchrony for a letter of deletion. 


Inquires date : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/walmart XX/XX/XXXX ( promised by rep after preapproval that i wouldn't get a hard inquiry on 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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I returned a leased vehicle 2 months early with full payment for those 2 months. I was not informed that there would be an early termination fee ( which I feel shouldn't apply. since, I was not so much terminating the lease as I was completing payment obligation ). In any case, I agreed on a settlement amount ( 1/2 of fee ) and paid as requested on time. since that my credit was reported as delinquent and reduced to " bad ''. I called them and they agreed that it was an oversight of theirs that they would correct. My credit did improve after that with 2 of 3 agency 's that I monitored using XXXX XXXX as an indication. However, I was just informed by my bank while trying to apply for a refinance of a loan that XXXX still shows me as delinquent. It has been nearly 1 year since this started and I feel I have been hurt financially repeatedly over months for their inaccurate reporting. And the fact that they were informed months ago and still have not corrected, leaves me feeling bullied. I hope you can help in this matter. I can not afford this. 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief