vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 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: LendUp Loans LLC
State: CA

Complaint narrative:
I called LendUp and explained that my account is still open but being reported as closed on my credit report. I was asked to take a pic of the account showing its closed. I took one picture because its been reported to all credit reporting agency. They told me it would be a couple days and should be resolved and it still remains on my credit report dropping my scores because its listed as closed. They reported it closed because there was a .89 transaction made on the account last month that was not by me. So instead of calling, emailing, texting or evening faxing they decided to report my account as closed. The first time I called about the problem their attitude was terrible and they transferred me to the fraud department. They put me on hold and then hung up the phone and never called back. The fraud department operator was very rude and nasty to me. Terrible customer service and the company communication is the worst I have ever experience or seen in my life. LendUp could care less what it did to my credit report they just keep claiming it will be fixed. After 4 phone calls to the company its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My debt got sold to Shellpoint Mortgage Servicing at the end of XXXX. Since then we have communicated with them twice about the following issue : When we send additional principal payment, they apply it to the monthly principal and interest payment.They essentially prevent early principal repayment. The first time it happened they said we need to use the official slip and write explicitly that it is principal only. We have done that and they continue with the same practice. They are blocking our early debt repayment and I believe this is fraudulent practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Company
State: PA

Complaint narrative:
I have six accounts in collection from XXXX XXXX XXXX XXXX XXXX Dates of service and amounts reported to my credit was incorrect. I called XXXX XXXX and was advised the debt can not be removed. The claims were only submitted to my primary insurance with XXXX XXXX and not my secondary insurance with XXXX. For XXXX/XXXX/XXXX {$550.00} for XXXX/XXXX/XXXX {$26.00} and {$230.00} for XXXX/XXXX/XXXX {$1200.00} my insurance at XXXX XXXX paid leaving a balance of {$540.00} to be billed to XXXX. For XXXX/XXXX/XXXX {$680.00} and for XXXX/XXXX/XXXX {$660.00} XXXX XXXX paid XXXX leaving a balance of {$420.00} to be billed to XXXX. XXXX XXXX reported the wrong amounts to all three credit agencies and never requested any referrals needed for procedures and would not do anything after I spoke with XXXX in billing three times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CA

Complaint narrative:
I am in XXXX XXXX and currently repaying my XXXX school loans via XXXX XXXX  using Income Based Repayment Plan. This year, my monthly payment jumped from XXXX dollars a month to XXXX a month despite no change in my income. I called XXXX and they said they would look into it but it has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX XXXX / Equifax / XXXX XXXX/XXXX/XXXX RE : Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in [ 2017 ] and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXf XXXX ] , who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX XXXX / XXXX / TransUnion XX/XX/2017 RE : Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in [ 2017 ] and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXf XXXX ] , who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX Experian / XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : Request for Investigation of Unauthorized XXXX Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in XXXX XXXX XXXX and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/, XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXXf XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 2017-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Some young girl said she got in a car accident and couldnt cash a check that she wrote/received so I cashed it for her. I then realized that that amount was taken out of my account a few days later

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 2017-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Company inquired about my credit without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education
State: CA

Complaint narrative:
SPREADSHEET OF STATEMENTS I CREATED OFF THE XXXX XXXX STATEMENT THROUGH XXXX XXXX STATEMENTS RECEIVED MONTHLY FROM XXXX. AFTER PAYMENTS WERE APPLIED. AFTER XXXX XXXX PAYMENT. ALL 4 LOANS TO CHANGE TO XXXX XXXX XXXX 24 MONTHS ) PAYOFF DATE XXXX XXXX. 
ATTACHED SPREADSHEET AND AMORTIZATION SPREADSHEETS. BASED ON 24 MONTH PAYOFF PLAN ON ALL 4 STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Company inquired about my credit without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Company inquired about my credit without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute the following information that you are reporting inaccurately on my credit file. I am a victim of identity theft, I have been affected by the recent credit breach with my identity leaked and someone using my identity other than myself. I am unaware of the inquiries and I did not make any attempts to inquire about no new accounts. I am requesting that the items be removed immediately to correct my credit report. I didnt not receive any consent and no creditor, Credit Bureau contacted me. This is my affidavit and I am disputing these items listed below. I 'd like to request a victim 's statement asking that creditors call me before opening any new accounts. 
Enclosed are copies of my credit report supporting my position. Please investigate this matter within XXXX of receiving this letter and remove the inaccurate illegally placed on my credit file. If this matter isnt resolved I will be forced to take legal actions in a civil courthouse against your company and be forced to pay a fine and damage fee of {$1000.00}. 
Inquiries Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX have consistently ignored that you are reporting inaccurate items on my credit report. You have reported inaccurate items for quite a while now and Im taking legal actions by filing a law suit at XXXX XXXX XXXX XXXX for reporting inaccurate inquiries. I am a victim of identity theft and was affected by the recent credit breach. Its a shame that your company placed inaccurate errors on my credit file and you wont remove it. This is illegal and you will face consequences in court. I have contacted you by certified mail, fax, but you refuse to remove the inaccurate errors off my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
we are a franchise restaurant business group, some one broke my lock box of my truck between XX/XX/XXXX then he stole a way all of my checks and my other documents, after 2 days I was going to issue a check to my constructor for plumbing, I realized that my lock box got broken and my check book was stole, that day was XX/XX/XXXX I called chase right away, I told them I lost my check book please void all my checks, they did not ask me to close my account for security reason. after that I order a new check book from chase website, and then the guy who stole my check book start depositing my checks in different amount in XXXX times for {$44000.00}. I realized it a week latter because we have more than XXXX bank account I do n't really check my account. we called XXXX XXXX away after I realized it that was XX/XX/XXXX, three of us the XXXX OF the BUSINESE OWNER and the CFO AND the store XXXX, we told chase our account been stole money out plz freeze our account and made a claim for this happened. I thought this is done for losing money from my account! it is not! the guy deposit 5 more checks after we called and claimed!!! the total amount we lost is XXXX, I download all checks image what they deposit, I found something funny is 3 of the 24 checks I lost they did not even sign anything on the space where people spouse to sign, but chase still deposit for them without any signing, other than those 3 checks are all signed in different names! we got a call back from chase at XX/XX/XXXX they refused to pay us back for what we lost because I did not security our check at a safe place, but I told them I secured my check at the lock box of my truck but they want me to fill out a new police report because the one I gave them before I said I may forgot my check book at my truck, but what I mean is I secured the check book at the lock box of my truck, they keep using this point to fight me, my detector been calling me to ask chase call him back but chase never does! i been telling chase i am sure secured my check book at my lock box of my truck, but someone broken it in i can not protect it. we are really having troubles with founding now, we are out of cash flow, the construction of our restaurant must be stopped in 3 days because we are short of this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: MD

Complaint narrative:
I have filed a complaint against Kia Motors finance XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 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: MD

Complaint narrative:
I have filed a complaint against XXXX XXXX XXXX 7 or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have 7 late payments.

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 2017-10-25 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: MD

Complaint narrative:
I have filed a complaint against XXXX XXXX XXXX XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: MD

Complaint narrative:
I have filed a complaint against XXXX XXXX XXXX XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: TX

Complaint narrative:
reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MD

Complaint narrative:
In XXXX XXXX XXXX began servicing my energy loan. It was transfered from another loan servicer. The payment in question was sent to the old loan service and another transfered. XXXX is in violation of federal consumer financial law. 60 day grace for loan transfers. I have filed a complaint with XXXX and XXXX a XXXX XXXX XXXX at XXXX. Not fixed as of 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 2017-10-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: TX

Complaint narrative:
reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations

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 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This company continues to apply my monthly mortgage payment of PITI to just principal. They said if I make 2 payments in a month this wo n't happen, so I 've spaced them out accordingly and it continues to happen. This means I need to babysit it every month and it effects my escrow and my ARM adjustment. Have tried to rectify with the company to no avail. I make my payments online and indicate how the payment should be broken down but they say their system ca n't accomodate. If that is the case, they need to fix their system or not allow online payments or something???? HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation