vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I took a private loan from Navient ( Sallie Mae ) back in 2008. Initially I wanted to get the fixed rate but was advised by the finance advisor to go with the variable because the fixed rate was too high and I could change it in the future. I later found out when I started making payments that this is not true. 
Currently my monthly bill consist of paying 85 % interest. I am mostly paying the interest instead of the principal. Due to my current income, I am only able to afford the minimum payment. 
The interest they charge is ridiculously high and they claim there is nothing they can do about it. They also do not allow borrowers to switch from a variable to a fixed interest rate. The variable rate is never low and is constantly high. 
I contacted Navient and asked to be given the variable interest rates that I have been paying them, however they could not provide the information and told me that they will email me the information ( I have not received it ). Navient claims to have borrowers interest at heart, but this is not true. Not only was I misguided with information but they informed me that there is nothing they can do with my current payment set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: UT

Complaint narrative:
XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: MA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: William Lyon Mortgage LLC
State: NV

Complaint narrative:
on or about XX/XX/2019 we went under contract to purchase a home from XXXX XXXX XXXX in XXXX XXXX Nevada. As part of the purchase price they listed on an addendum we would be penalized XXXX if we DID NOT use William Lyon Mortgage to close the financing of the new purchase. 

We signed and funded our purchase loan on XX/XX/2019 with William Lyon Mortgage and promptly started to refinance away from the 6 % mortgage rate we closed at. Title order was re-opened on XX/XX/2019 and payoffs were requested. 

XXXX XXXX ( the wholesale mortgage lender ) and William Lyons Mortgage have refused to provide a payoff to title or myself. I called XXXX and was told William Lyon still holds the loan and must provide the pay off. I contacted a representative from William Lyon Mortgage asking for a payoff and was told first that " I must make a couple payments for a couple months '' before they would provide a payoff and then I was later told they " wouldnt and they couldnt '' provide a payoff. 

I have spoken to the Executive Assistant to the President of William Lyon, I have spoken to the Executive Assistant to XXXX XXXX the CEO of William Lyon. I have had numerous calls with the EVP of William Lyon Mortgage XXXX XXXX about recieving a payoff and he confirmed William Lyon still holds the loan on their wharehouse line. I have spoken to a risk manager with William Lyons also tryiong to obtain a loan. XXXX XXXX was also contacted but they have no record of my loan and stated William Lyon Mortgage must provide the payoff This is the last condition needed to secure my new loan at 3.875 % This is a no pre-pay loan and my loan documents clearly state there is no pre-pay and that I can pay off at any time without penalty. 

The XXXX penalty and the high daily rate they are forcing me to pay by not providing the payoff is creating additional expense in addition to the appraisal costs and title costs that will be incurred because of 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 2019-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have an Home Equity line of credit with Fifth Third Bank ( FTB ) .Account number XXXX XXXX I paid {$6300.00} at branch in XXXX.At time of payment teller confirmed that I paid total amount due including interest. On XXXX XXXX FTB withdrew {$580.00} from my checking account after loan had been paid off

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22 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: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-22 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: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'm disputing this account ( 1 ) XXXX XXXX XXXX  and asking that it be blocked from my credit report due to the fact it is not mines. I have been a victim and now my credit has been compromised. If you the reporting agency can not show physical certified documentation of such then as stated within the FCRA this account shall be blocked and permanently removed from my account. I do not have nor have I ever had an contact with XXXX XXXX XXXX, and if this company purchased such debt from an unknown and unauthorized creditor then that contract shall automatically become void. No debt owed. But in this instant matter either account is mines no way. So I'm demanding that this account be blocked immediately and permanently from my records. Section 609 & 611 can be applied to this. However, I also would like the credit agencies detailed Method Of Verification in the handling of this account. Who did your company communicate with, what was their title, what day and time did this take place, and what certified documents were presented and when was the consumer given the opportunity to verify this. Please either provide in detail or block this account.

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 2019-03-22 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 Requested validation of debt from Experian after unsuccessfully reaching out to creditor ( XXXX XXXX XXXX XXXX ) via certifed mail which was return.

After sending certified, return receipt letters to Experian on XXXX2019, which they received on XXXX19, reporting that there were inaccuracies on my credit report in the claim I have a charge off and I would like some type of verification, I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XXXX19, which was received on XXXX19 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed 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 2019-03-22 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: UT

Complaint narrative:
Mt. XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in XX/XX/2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit 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 2019-03-22 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX  is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit 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 non-monetary relief
Consumer complaint received 2019-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently pulled a copy of my credit report and noticed that the 3 credit agencies aren't reporting a score. this is messing up my ability to get a apartment. Not Reported - Code : 4. this is what shows on all 3 credit reporting agencies. 

Also I have disputed address that I have never lived at and they are still being reported. 

I am paying XXXX  each month for my credit reporting and score.

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 2019-03-22 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: CA

Complaint narrative:
I recently pulled a copy of my credit report and noticed that the 3 credit agencies aren't reporting a score. this is messing up my ability to get a apartment. Not Reported - Code : 4. this is what shows on all 3 credit reporting agencies. 

Also I have disputed address that I have never lived at and they are still being reported. 

I am paying XXXX each month for my credit reporting and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: DC

Complaint narrative:
CurrentlyIhavebeenintheprocessofgettingamortgage.IstartedthisprocessbackinXXXXofXXXX.IbeganthesearchoflendersanddiscoveredthatIhadissuestoresolvewithmycreditreport.Idiscovereddiscrepancieswithallthreebureaus.IhadcleanedupmycreditandsettledsomedebtatthesametimeIdeputedsomethingandlettimepasssomyscoreswouldincrease.InXXXXadisputewasonmycreditreport.Ihadthedisputesremovedandmyscoresdroppedtosignificantly.InXX/XX/XXXXIbegantobuildmorecreditandproduce2tradelineswhichappearedinXXXXandinXXXXtakingmyscoresupbetweenallthreebureaus.IhadmycreditreportpulledonXX/XX/XXXXandontheconsumerreportsmycreditscoreswereXXXX,XXXXXXXX,andXXXXtransunion.MylenderpulledmycreditandthedisputesbackinXXXXreappeared.IcalledtohavethemremovedandatthesametimeIhad2tradelinestopost,XXXXincreaseonstudentloanstoappear,removalofthedisputeswhichcausedmyconsumerscorestogodowntoXXXXfortransunionwhichIloss66pointfromanaccountbeingindisputesinceXX/XX/XXXXwhichwasn'tmadeawaretome,XXXXXXXXalossof53pointsthesameXXXXXXXXacctdisputewasremoved,andalossof35pointswithindaysofremovalofthedisputewhichwasplacedonmyacct.backinXXXXcausedextremedamagetomycreditreport.Iamwritingthisdisputebecauseidontthinkitwaslawfulforthebureaustobeabletoimpactmycreditsignificantlywhendisputesaresupposetoberesolvedwithin30days.ThesedisputeswereplacedonmyaccountsinXXXXandremovedinXX/XX/XXXX.Arecreditbureausallowedtodeducted50ormorepointswithnosignificantchangesononesreportsortradelines?Thishasandstilliscausingasignificantproblemformeandmyfamily.Iamnotabletocompletethelendingprocessbecauseoftheinaccuracyreportingbetweenallthreebureaus.

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 2019-03-22 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Currently I have been in the process of getting a mortgage. I started this process back in XX/XX/XXXX. I began the search of lenders and discovered that I had issues to resolve with my credit report. I discovered discrepancies with all three bureaus. I had cleaned up my credit and settled some debt at the same time I deputed something and let time pass so my scores would increase. In XXXX a dispute was on my credit report. I had the disputes removed and my scores dropped to significantly. In XX/XX/XXXX I began to build more credit and produce 2 trade lines which appeared in XXXX and in XXXX taking my scores up between all three bureaus. I had my credit report pulled on XX/XX/XXXX and on the consumer reports my credit scores were XXXX-experian, XXXX XXXX, and XXXX XXXX. My lender pulled my credit and the disputes back in XXXX reappeared. I called to have them removed and at the same time I had 2 trade lines to post, 500 increase on student loans to appear, removal of the disputes which caused my consumer scores to go down to XXXX for XXXX XXXX which I loss 66 point from an account being in dispute since XX/XX/XXXX which wasn't made aware to me, XXXX Experian a loss of 53 points the same XXXX XXXX acct dispute was removed, and a loss of 35 points within days of removal of the dispute which was placed on my acct. back in XXXX caused extreme damage to my credit report. I am writing this dispute because i dont think it was lawful for the bureaus to be able to impact my credit significantly when disputes are suppose to be resolved within 30 days. These disputes were placed on my accounts in XXXX and removed in XX/XX/XXXX. Are credit bureaus allowed to deducted 50 or more points with no significant changes on ones reports or trade lines? This has and still is causing a significant problem for me and my family. I am not able to complete the lending process because of the inaccuracy reporting between all three bureaus.

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 2019-03-22 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: UT

Complaint narrative:
XXXX. XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
On XX/XX/XXXX i received notification that I had a new collection account on my credit report. The collection was placed by credit collection company, Enhanced Recovery Company , LLC ( ERC ). I've never received any communication from this company about the alleged debt. A few days later, I called  them to find out what the debt was and from when. I was told it was a sprint account, which appeared to have been opened in XXXX. I proceeded to tell the representative that her information was incorrect as I had notified XXXX in XXXX that I did not open this account and someone probably stole my identity/information and opened this account under my name. That I provided XXXX with a bunch of paperwork and affidavits. I never heard back from them. So I assumed the matter was resolved. Now 6 years later, ERC placed a collection account on my credit report. This should have never happened because I told XXXX it was fraud when I first found out about this and not to mention, they are outside of the statute of limitations. The rep said he would notate the account/put red flag on it and notify sprint. 

I also opened a dispute with one of the credit agencies, XXXX. Per the results on XX/XX/XXXX, ERC has agreed to delete the collection from my credit report. Sadly on the same day, the collection account was reported to XXXX and XXXX. Needless to say I am frustrated at this point and wants this resolved because I am trying to rebuild my credit and this is causing an issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX To whom it may concern : In XX/XX/XXXX I did a refi of my 30 year fixed rate mortgage with XXXX XXXX XXXX. The refi was a 15 year fixed rate at 3.75 %. At the time that I closed my mortgage payment was {$1000.00}. Two months later the mortgage was sold to Loancare mortgage company. After Loancare took over my mortgage, my payment was lowered to {$1000.00}. 

In XXXX of XXXX Loancare adjusted my mortgage payment to {$1000.00} to adjust for the shortage in taxes and insurance. It was my understanding that at the end of XXXX my mortgage would revert back to the original refi rate. 

In XXXX my mortgage payment increased by {$55.00}. My annual escrow account disclosure statement revealed that there was a {$750.00} shortage. My taxes have remained the same since XXXX and I have not missed a payment. I spoke to XXXX XXXX ( escrow managerXXXX ) and explained my situation to her. She said one of her managers would contact me. I was at a Drs office when they called and asked if they could call later on in the day. I have never heard from them again. I have left several messages for Ms. XXXX but have not received a return call. I have had several other conversations with their customer service department. Nobody has been able to give me an answer about why there was a shortage at the end of XXXX. 

I WOULD LIKE TO KNOW HOW DID I END UP WITH A SHORTAGE AT THE END OF XXXX ( {$750.00} ) WHEN MY TAXES AND INSURANCE DID NOT INCREASE AND I MADE ALL OF MY PAYMENTS ON TIME? 

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 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
On XX/XX/XXXX I returned a trombone that I leased from XXXX XXXX, in which I received a written receipt stating " bad debt-returned ''. I then called and spoke with a representative from XXXX XXXX ( the collection agency ) to clear the debt from my credit that was opened XX/XX/XXXX. At this point the representative informed me that the balance of the debt was over {$1600.00} ; however the amount reflected on my credit report is {$1400.00}. I was also given another amount in a letter that was sent out XX/XX/XXXX which was {$1500.00}. The representative then went on to tell me that I should have kept the instrument and had I called prior he would have advised me to do so, stating I have to submit payment to have it removed. He stated that I need to pay the amount that I see on my report and that the letter. I let him know that I had proof the instrument was returned and he said it would still have to be paid. I spoke with XXXX XXXX and was informed that they have done their part and that the collection agency has done this previously. I took it upon myself to resolve my debt with XXXX XXXX in good faith by returning the instrument and calling to have this debt cleared and was professionally bullied for payment instead.

Company response to consumer: Closed with explanation