vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
I have a XXXX XXXX car that was purchased in XX/XX/XXXX and I paid off the loan in XX/XX/XXXX. The BMW financial service handled the loan and I have a lien on my title. In Maryland, in order to remove the lien on my car 's title, BMW has to mail me a lien removal letter with the original loan amount and date and the loan release date. I contacted with them multiple times to request the correct letter. They mailed me two letters without the original loan amount and date on the title, and I brought them to XXXX and none of them are qualified. I show them XXXX 's requirement of lien removal letter, but they refused to provide me the CORRECT document and keep saying the WRONG documents they sent me is correct. 

First, they are CHEATING the customers about the incorrect lien release letter. 
Second, they intended to not give me the CORRECT documents and asked me to try many XXXX to see if I have some luck. 
Third, they are unwilling to make any effort to serve the customer. The effort meant by me is simply including the correct information on legal documents. 
Second, their refusal prevents me from selling my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Navient has consistently called my personal phone non-stop every single day of the year so far. But it doesnt stop there : Navient has called various phone numbers connected to my place of employment, my parents and other distant relvatives that Im not in close communication with. Ive asked Navient via phone and email to stop calling so much but more importantly not to call any other person but me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: MA

Complaint narrative:
I own a small incorporated business XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus Equifax XXXX XXXX XXXX are reporting my business as being under a parent company XXXX XXXX XXXX  XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of Equifax credit report showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello ; and how are you doing on today. My ongoing complaint is, that on numerous occasions. I have been denied credit and i sent in the denial letter, from the creditor, that denied me, to Equifax and on each occasion, i have not received my credit report in the mail.I have tried to retrieve, my credit report online, on their web-site and the problem insist. I called their telephone number, and i was promised, that i would receive my credit report in the mail ; and as of Today. I still haven't received my credit report. This has been an ongoing problem, with Me and Equifax, in pertain with my credit report. Something, has to be done. I am also writing my State Leaders in regards to this matter. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
On XX/XX/XXXX I made a call to Mr. Cooper about why my payment jumped {$36.00}, I was told it was because of a escrow shortage. I asked how I could bring my payment down and I was told if I paid {$170.00} ( the remaining amount of the shortage ) it would bring my payment down {$20.00}. I gave the go ahead on the payment with the understanding my new payment amount would be {$900.00}. Today ( XX/XX/XXXX ) I check and my payment is still at {$920.00}. I called Mr.Cooper to figure out what was going on, and was told that only a partially escrow shortage was paid. I asked how that could be when I was told it was all paid up in XX/XX/XXXX. The man that I was talking to repeated it was a shortage and that my payment of {$920.00} is not going to my escrow shortage 3 times then hung up on me right at XXXX ( CT ). I feel like I was taken advantage of and ripped off. I have never dealt with such a poor customer service department that refuses to help anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: NY

Complaint narrative:
There are two credit inquires on my report that are fraudulent and do not belong on my credit report and I want them removed. 
XXXX credit inquiry XXXX credit inquiry please remove and update my score. I'm not sure why everytime my credit score goes up your company false reports and brings my score down I am XXXX and this is crippling me as I have tried endlessly to put a end to someone using my name and social.

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 2018-04-05 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: NY

Complaint narrative:
There are two credit inquires on my report that are fraudulent and do not belong on my credit report and I want them removed. 
XXXX credit inquiry XXXX credit inquiry please remove and update my score. I'm not sure why everytime my credit score goes up your company false reports and brings my score down I am XXXX and this is crippling me as I have tried endlessly to put a end to someone using my name and social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 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: MA

Complaint narrative:
I own a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus XXXX  XXXX XXXX Experian are reporting my business as being under a parent company XXXX XXXX XXXX XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of XXXX credit report showing 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 2018-04-05 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: QuickClick Loans of Illinois, LLC
State: CA

Complaint narrative:
There are multiple layers of issues with this account that start with it being opened without my knowledge. 

Once the account was opened and I was aware when the collection process started. Multiple requests for copies of lending documents, application documents and supporting authorization were requested however QuickClick responded that I needed to register online, which I did and no documents were available. I went back to the lender and requested again and was told these were in archive an were not available. They indicated they would take me to court for various charges including wire fraud, and I provided all current contact information. Nothing materialized except further collection threats. At one point a settlement was requested due to the 96 % interest rate increasing the " payoff '' well over 20K however they said to send in XXXX and the rest would be cleared. QuickClick refused to put any settlement in writing. 

It has now been nearly 7 years and the account should be coming off my credit report as I am preparing to buy a home. However QuickClick is now falsely reporting the payment history. This account has had no activity since XX/XX/XXXX. Therefore the account would have gone 180 days delinquent XX/XX/XXXX. Unfortunately this company is now falsely reporting the payment history on this account by updating the payment month that is exactly 4 years ago to XXXX from XXXX  forcing my credit score to drop due to what appears to be recent account history. Each month I watch my score increase to over 600 and then when they report this updated payment my score then drops to about 570. 

I do not own this account and the lending company has been unable to provide any documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting a state tax lien on my credit report. The item has be disputed and it came back verified. I have confirmation that this account has not been verified. I spoke directly to the lien source to dispute the reporting and they notified me that they DO NOT report to any credit reporting agencies via phone, email or fax. I need to know the source of this verified information. I need to see verifiable proof that the information that Equifax is reporting is 100 % accurate and 100 % verifiable. Unless, the credit bureaus have recently started conducted a title searches, which I know they have not. This account is not verified and per the FCRA needs to be deleted immediately. Please give this matter the attention it deserves. If this is not resolved immediately, I will pursue litigation in this matter to enforce my rights under the ( FCRA ) Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: KS

Complaint narrative:
I purchased a car at XXXX XXXX in XXXX XXXX kansas in XX/XX/XXXX. When they went to process the loan they had my credit checked multiple times. These are the lenders that all did hard inquiries on my account XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  my ex husband used my information without my permission. We were married at the time. I did not sign anything or authorize anything. 

XX/XX/XXXX XXXX XXXX my ex used my information without my permission. We were married at the time. I did not sign anything or authorize anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX my bank didn't pay my car loan because my overdraft protection was accidentally removed. I noticed in XX/XX/XXXX that my car payment with Credit Acceptance wasn't taken out I contacted them on XX/XX/XXXX asking about my payment the representative said I had a payment scheduled for XX/XX/XXXX, on XX/XX/XXXX no payment was reflected on my account. I called again on XX/XX/XXXX and was advised again a payment was scheduled for XX/XX/XXXX, no payment was taken out. On XX/XX/XXXX I received a notice from the credit bureau showing my car not was reported as late and my credit score dropped 78 points. I contacted Credit Acceptance again this rep told me I had a payment scheduled to come out on XX/XX/XXXX, I asked was it other ways I could make my payment she said online I checked it would not allow me to log in I called back in and the rep told me I needed to create a new again because they no longer used XXXX XXXX for their payment company. I still wasn't able to make a payment online because the system said I had a payment scheduled in the system. I called back and was advised my account needed to be deactivated to allow me to make a payment online, I made a payment. I still haven't received any correspondence advising me on my loan being past due or that their was an issue with their system. On XX/XX/XXXX I put in a complaint with the better business bureau after calling again to the company and no one could explain why my payments were not being deducted. On XX/XX/XXXX I  received a call from a rep in the compliance department who advised me my auto pay was XXXX, she then explained I could make my payment online and explained why the payment did not go through she could not explain why the previous reps did not know this or why they would tell me to check with my bank because my bank was blocking the payments ( which was incorrect ). I received another call from that same compliance rep today XX/XX/XXXX advising me she would place notes on my account but she could not remove the late payment charges on my credit. Because of the miseducation of the reps of Credit Acceptance, I can no longer purchase my house and will be evicted from my home because it is showing my car loan as past due for an error on their part. I can understand XX/XX/XXXX payment issue but going forward that was a issue on the company, I was also told that when I missed a payment before they would change my biweekly payments from {$210.00} to {$230.00} and this would not report my car loan as late but when I spoke to the compliance rep today that was incorrect. I would like the late payment charged removed so that I can get approved for my mortgage as well as get a better company to handle my car loan.

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 2018-04-05 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, XXXX  and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage foreclosed on my house, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX on XX/XX/XXXX. I had multiple times requested Nationstar to provide proof that there was a valid and legal assignment of the Loan from XXXX, to XXXX XXXX XXXX, and from XXXX XXXX XXXX to Nationstar. The document that Nationstar provided, was a forged document, signed by " XXXX XXXX '', as Vice President of XXXX XXXX XXXX. I researched the name and found that XXXX XXXX is listed under fraud alert list of ROBO SIGNATURES. That fake assignment of the document is recorded at the assessor 's office, and that the document with which Nationstar Foreclosed on the house. 

I had hired an attorney, XXXX XXXX XXXX XXXX to sue Nationstar and the attorney abandoned the case, and summary judgment was granted. That attorney was sanctioned by California BAR Association. The case was prior to foreclosure. After the case got dismissed, Nationstar set a sale date. 

Few months After the sale, I received a tax for from Mr. Cooper, suggesting some how I gained $ 100,000+ by losing my house. 

The loan was for {$360000.00}, there was a second loan on the property by XXXX, which Nationstar did not contact, because XXXX is still trying to collect from me. Also The house was sold on XX/XX/XXXX for {$460000.00}, and Nationstar has not paid me any XXXX from the sale, and has not sent me any documentations regarding the sale, or how funds from the sale were distributed. The only thing I received was the tax forms from Mr. Cooper for {$100000.00} gain. The house was again sold sometime in XX/XX/XXXX for {$420000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: CA

Complaint narrative:
There are multiple layers of issues with this account that start with it being opened without my knowledge. 

Once the account was opened and I was aware when the collection process started. Multiple requests for copies of lending documents, application documents and supporting authorization were requested however XXXX responded that I needed to register online, which I did and no documents were available. I went back to the lender and requested again and was told these were in archive an were not available. They indicated they would take me to court for various charges including wire fraud, and I provided all current contact information. Nothing materialized except further collection threats. At one point a settlement was requested due to the 96 % interest rate increasing the " payoff '' well over 20K however they said to send in XXXX and the rest would be cleared. XXXX refused to put any settlement in writing. 

It has now been nearly 7 years and the account should be coming off my credit report as I am preparing to buy a home. However XXXX is now falsely reporting the payment history. This account has had no activity since XX/XX/XXXX. Therefore the account would have gone 180 days delinquent XX/XX/XXXX. Unfortunately this company is now falsely reporting the payment history on this account by updating the payment month that is exactly 4 years ago to XXXX from XXXX forcing my credit score to drop due to what appears to be recent account history. Each month I watch my score increase to over 600 and then when they report this updated payment my score then drops to about 570. 

I do not own this account and the lending company has been unable to provide any documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
XXXX previously was opened to address Wells Fargo and their shady theft. They were able to confuse you like they did something when they only gave a minute credit amount to extra things they already owed for. As stated previously I called Wells Fargo fraud division starting back on XX/XX/17 to close my account due to activity being emailed to me that I had not initiated. 2 more times for a total of 3 I demanded the fraud group close my account and they continued to keep it opened, calling me every day for 3 months and sometimes 2-3 times a day. They finally closed the account but only because I refused to make yet another deposit to the account like I had done 2 other times only for them to eat up the funds and make yet more negative balances from whatever bogus charges they wanted to make up to get it there. They need to remove me from any negative XXXX  blacklist they've done by doing this like XXXX XXXX   and clear this account to XXXX balance and never contact me again.

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 monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have not been able to afford my student loan payments from Navient due to unemployment and Navient has been harassing me by phone, calling me often eight times a day during the week, calling me several times during the weekends, and calling me after XXXX at night almost every night. My last straw was when they called me tonight at XXXX. 

I should not be harassed like this day in and day out from XXXX to almost XXXX at night because I am unable to afford the egregiously high student loan payments that Navient wants -- whether it's the full payment or interest-only payments -- while I am unemployed. I no longer have any remaining forbearance or deferment and need the CFPB 's help to stop this harassment.

Company response to consumer: Closed with explanation