vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 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: TX

Complaint narrative:
I attempted to get a loan was told by the lender my account was not showing and there was no information on my account. I contacted the reporting agency and they claimed it was nothing but when I check again they claimed it was still not working or reporting. I attempted to contact the reporting agency and they have no reason why the merchant cant open my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have been fighting a collection for an apartment that I do not owe on. National Credit Systems is trying to collect on a debt from XXXX XXXX Apartments. I am a police officer and worked for the apartment complex as there private security guard and was given a substantial reduction in rent in exchange for pay. They were bought by another rental agency. When my lease was up I was told that so was the former arrangements and I could either sign a new lease at the inflated rate or move out. I chose to move out, turned in my keys and completed a walk through. I was never contacted by the complex again. Then in XX/XX/XXXX National Credit System started reporting on my credit report. I never receive mail or phone call for this collection and only know of it because I subscribe to a credit monitoring site that shows this collection name along with the apartment, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ). I have tried to reach out to the apartment that has now changed hands 4times and has no record of me, also to the collection agency that refuse to respond or provide any proof of collectoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On three occasion from XX/XX/XXXX- XX/XX/2017 I attempted to settle my debt by paying off a smaller amount. XXXX 's refused to negotiate or accept the amount I was offer. I have been out of work for an entire year with a very limited income and the continue to send letters demanding payment.

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 2018-10-11 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX Is saying my documents are fake cfpb i'll let them be the judge of that sent over hacking reports, police and ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT

Complaint narrative:
I paid my account every month on time and had autopay set up. I have always paid and continued to pay even after my car was totaled and everytime I was asked to pay i paid. When it got totaled they told me to wait until the insurance and gap company paid so I know the amount that I needed to pay. Because it took so long because I was driving for XXXX and was online and the insurance company I had denied the claim and I disputed it again and then XXXX 's insurance ended up covering it. But there was a deductible of {$5000.00} which I asked do I need to pay it all? They said no just wait until the gap insurance pays. So I waited and then i get a call from a collector saying it was charged off when the entire time I told them I had the money to pay and they kept telling me to wait. Now I have a charge off on my credit when I have never had a mark on my credit ever. Please assist me in getting this fixed/resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
The company JPL Recovery solutions has repeatedly called me at work after I instructed them not to, and they have discussed my debt with our office assistants threatening to garnish my wages, they said they did not know it was a work number even though they have called multiple times with these threats

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I applied to get a personal loan through my bank. I was declined due to bad credit. When we reviewed the credit report we saw that the company Experian had my credit report and my fathers credit report mixed up. We have the same name but different middle initials. Obviously we have different Date of Births, different SS #. I have tried with my bank multiple times to have Experian correct this but they have done nothing thus far. When I spoke to them on the phone last week they said everything had been corrected. A week later ( TODAY ) I called and they said that it took 72 hours to process. It has been a week. So it would have processed. They said that the paperwork would be at my house in 8 days. But I could go on the Experian website and print my new credit report out. When I went to do that I discovered that my credit score had dropped 200 POINTS ( IN A WEEK ). Also noticed that everything that they said they were taking off and correcting on my credit report had been unchanged and was still showing up. This is effecting my life dramatically and all I want is for them to fix this issue. Which is obviously incorrect. I was born in XX/XX/XXXX and the report says I was born in XX/XX/XXXX? I live in XXXX XX/XX/XXXX and it says I live in XXXX. Everytime I call Experian I get transferred from department to department. I always end up spending at least an hour on the phone and they never accomplish anything. I do not understand how this company is at all still reputable. Please help

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 2018-10-11 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:
I have been sending letters proving that my mortgage payments have never been late and they still not fixing it. 
Also I sent a letter stating my XXXX account is satisfied.

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 2018-10-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
i do not know what i " owe '' but the name is XXXX XXXX. and i lived there in Missouri in XX/XX/XXXX with room mates and i moved out 4 months before they moved out and there shouldn't a debt under my name. the amount is {$270.00}. this needs to be removed immediately. the company does not want to work with me one bit. its unfair i have to be treated wrong by them and still have my credit hurt for the last 3 years. it re opens every now and then and drops my score by 30 points after i try my best to fix it. it just reopened 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 2018-10-11 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
InXX/XX/XXXX Barclays offered to help with payments by decreasing the interest rate & I would pay a set amount. I setup automated payments on their website which was fine. Credit report shows payments being 30 days late when I do not believe they were. In XX/XX/XXXX I continued to make payments in accordance with their terms although in XX/XX/XXXX they reported I made no payment when in fact they debited my checking account. I believe this little posting error led up to me not meeting the conditions set forth & allowed them to get out of this contract to pay up my balance at a lower interest rate but not have any revolving credit. I tried in XX/XX/XXXX to make a catch-up payment but they had already selected my account for collections but I had not yet been contacted by the collection agency. This company has made thousands of dollars from me in interest charges but yet did not offer me any loyalty to eventually pay off my debt. It was easier for them to write me off. In the final days of my account they show me as up to 180 late yet I was still on their reduced payment plan. My credit was hurt from this.

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 2018-10-11 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: TX

Complaint narrative:
Equifax Is saying my documents are fake cfpb i'll let them be the judge of that sent over hacking reports, police and ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I paid to this collection company CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. {$340.00} back on XX/XX/2018. Later on they send a report to my credit agency without notify me. The credit report agency send a notification that a new account was report without any writing notification to me. the new balance is {$370.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 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: NY

Complaint narrative:
I have been sending letters proving that my mortgage payments have never been late and they still not fixing it. 
Also I sent a letter stating my XXXX account is satisfied.

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 2018-10-11 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:
I have been sending letters proving that my mortgage payments have never been late and they still not fixing it. 
Also I sent a letter stating my XXXX account is satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC
State: CA

Complaint narrative:
The company XXXX XXXX XXXX has repeatedly called me at work after I instructed them not to, and they have discussed my debt with our office assistants threatening to garnish my wages, they said they did not know it was a work number even though they have called multiple times with these threats

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

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 2018-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
Good Afternoon, My name is XXXX XXXX and I am writing to finish my ongoing battle with XXXX XXXX on some unfair and unreasonable marketing tactics. To start off I have been at this for a while with them and as of late I was obviously distressed and upset and still am for the treatment I had been given from them when dealing with my two vehicles I had purchased from them. Some emails had been exchanged on my part that I do have to apologize for but I have been and still am upset and just was trying o get what I believe is fairly owed to me. I have made all of my payments on time and will becoming up on a year now and have nothing to show for my troubles. My Credit Score hadn't gone up and the way they financed my new vehicle they made out and was able to increase my interest rate because of no fault of my own. They did offer me a settlement which at the time I had planned to reject because I was to give up my rights and youldnt complain any further but wrongs done to me. So I did reject it but before I could I was contacted by XXXX from Customer Relations with the message that offer of settlement was rescinded due to my emails and them basically coming to the conclusion that no matter what they did I wouldn't be happy. Looking back I should have taken the offer but glad I didn't because I still have the right to complain about horrible situations this company has put me into. They offered me to give me my original interest rate I had on my 1st vehicle I had purchased back from me because of the mechanical issues that I was having and going back and forth with them that this vehicle shouldn't have never been sold to someone in the General Public. Not to mention money I had paid into my first vehicle I wouldn't see back because it was time that I waist that vehicle which I was ok with at the time but was understanding that my Onetime payments would reflect my new interest rate. First they said it did before it was deleted and got another answer all together afterwards. I want what is fair tired dealing with this company by myself I was told even though the CFPB has no legal opinion in matters but could help me the customer who has been done wrong by a company who clearly takes advantage of consumers that have horrible credit and expect them not be able to fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Before and since my scheduled home sale closing on XX/XX/XXXX, I have made repeated efforts to find out why I was charged {$6100.00} by LoanCare in interest aside from the unpaid balance on my conventional loan. I repeatedly emailed XXXX XXXX ( VP of Consumer Communications ) and XXXX XXXX ( Head of Compliance ) and my efforts to understand why I was charged this additional amount were completely ignored. I had a 30 year conventional loan - there should have been no charges incurred in early payoff. This company has been a never ending, unethical nightmare to deal with. This is the 3rd CFPB complaint I have had to file as none of my efforts in dealing with them directly have been successful. I want a valid explanation of this charge and if it was calculated and levied in error, I want a refund processed immediately.

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 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am writing this email to express my profound discontent with how XXXX XXXX XXXX is handling the public service loan forgiveness program. 

Today ( XX/XX/XXXX ) I was informed that I do not qualify for PSLF because my loans are FFELP loans. This information was provided to me after calling in because I received a vague notice informing me that my employment certification was denied, without the reason why. 

Today was the 6 time this year that I called XXXX XXXX XXXX   regarding PSLF. Years ago I had also contacted them regarding PSLF and I was never told that my loans were FFELP loans. Additionally, my loan servicer AES never told me that my loans are FFELP loans even after I called them to be placed on an income driven repayment plan for PSLF years ago. Furthermore, under the loan detail section of their website for my loans it does NOT say the type of loan that I have, whether direct or FFELP. Instead of the information of the loan type being available on the website, what is available is the loan program ( Subsized consolidation loan ). 

The representative from XXXX XXXX XXXX said that I would have to consolidate my loans which would have be eligible since XX/XX/XXXX if it weren't for their loan type and the fact that eventhough I called in several times over the years to both XXXX XXXX XXXX and AES I was never told my loan type of FFELP did not qualify. 

My plan was to apply for the Temporary expanded public service loan forgiveness since I had been on the graduate extended repayment plan for the majority of my loan payment and 2 years on the standard plan. 

I find it unfair and unjust to not have my employment certification form denied only because of the loan type, especially when it can be converted into a direct loan by consolidation. The problem here is that consolidation erases the 10 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX went through a tumultuous divorce and then became very ill. As a result, she fell behind on her mortgage and now is facing a sale date on XX/XX/2018. She has since got back on her feet and works as a caregiver and also collect rental income. She can maintain the mortgage payment and need only a loan modification to bring her current, giving her a fresh start. She will be submitting a full assistance request to Select Portfolio Servicing attached to this complaint with the CFPB. XXXX XXXX will also be enlisting the aid of her Congressman in regard to the postponement of her sale date. 

XXXX XXXX requests that the sale date be put on hold while her new assistance request is under review, per the California Homeowners Bill of Rights and Dual Tracking : Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. 
Verification of documents : Lenders that record and file multiple unverified documents will be subject to a civil penalty of up to {$7500.00} per loan in an action brought by a civil prosecutor. Lenders who are in violation are also subject to enforcement by licensing agencies, including the Department of Business Oversight, the Bureau of Real Estate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
I have been working to get the following issues taken care of my with loans since XX/XX/XXXX. 

- Get loan payments made in XX/XX/XXXX, XX/XX/XXXXXXXX and XX/XX/XXXX counted towards my PUBLIC SERVICE LOAN FORGIVENESS program participation retroactively. ( Paper work submitted for this. ) - Get a " REVISED PAY AS YOU EARN '' INCOME DRIVEN REPAYMENT ( IDR ) plan applied towards my account and applied to loans scheduled to come out of the grade period in XX/XX/XXXX. 
- Have existing loans taken out of " administrative forbearance '' so that I MAY BEGIN PAYING immediately with these LOAN PAYMENTS CALCULATED UNDER THE REVISED PAY AS YOU EARN IDE. 

XXXX XXXX XXXX claims they " have don't have an idea '' of how long it will take to process my " In school waiver '' form to get the payments for XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I called in and made my payments to you when I received my statements. I got a confirmation that the payment was received. I never got any phone calls or notices that the payment was not received for any reason. This is inaccurate and not my fault. I need you to immediately remove this false late pay from my credit or I will get an attorney involved.

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