vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan Depot wrote a note of {$170000.00} fraudulently and have slandered me, created credit rift and partially destroyed my Social Media Profile. 
I've contacted Connecticut State Attorney Generals Office, XXXX XXXX XXXX, Associate Financial Examiner, Dept of Banking, Consumer Affairs Office, Tel. Direct in XXXX ( XXXX ) XXXX and recently filed a Complaint against Loan DEPOT. 

Connecticut Superior Court Docket # XXXX Judicial Branch Case Detail : XXXX : XXXX? XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: American First Finance, Inc.
State: MI

Complaint narrative:
There are 4 inquiries on my account by XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have called XXXX to dispute the inquiry and request a letter of deletion under the direction of XXXX, XXXX stated that they could not verify or investigate, nor could they give a letter of deletion. 

XXXX XXXX (? ) also pulled my credit without my permission on XXXX XXXX. I have no idea who this creditor is. 

There is also a credit inquiry from XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Star Loans of Texas, Inc.
State: TX

Complaint narrative:
Star loans is harassing me and my husband about a payment, we have told them we do not have it but will try to pay what we can, they are refusing to take a payment unless it's the amount {$260.00}. we signed collateral to them an XXXX, we asked if they would take that and they refused saying " we don't want your stuff we want our money '' they threatened to take us to court for " theft '' even tho we have been making payments, we're just late and struggling to keep food on our table. They have no remorse no consideration, they only want money in cash. Everytime my husband speaks to the two lady 's they are VERY rude rasing their voices and trying to provoke him, they do not let him talk or get a word in they talk to him like he has no sense at all. I hope they don't treat all their customers like that.

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 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I would like to add to my prior complaint.

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage SPS ' response is NOT clear and is contradictory. At the time of mediation, over and over, SPS stated they did NOT do a full review as required by Washington State Law. They tried to blame the fact that I had filed a complaint with WA State Attorney General. However, that complaint was closed on XX/XX/XXXX and the mediation did not happen until XX/XX/XXXX. They had 4 months to do a review. Even had our original date of XX/XX/XXXX been in place they would have had over 30 days to do a full account review, which they require per all notifications on their website and their RMA documents.

They state in their response to my above complaint that INCOME was NOT a factor in their review and they didn't require income. The last income statements they had from myself and my husband are dated back to XX/XX/XXXX. They then state they were unable to offer a repayment plan because we didn't have the right income to debt ratio. However, how is that possible if income was not a factor and which is it? They don't need income or we don't show the right amount available? They continue to state that because of our lack of income they could only offer a 12 month repayment plan and require a balloon payment at the end of 12 months of $ XXXX because their offered repayment plan would not repay the back balance due.They never addressed the reason for keeping our repayment plan at 6 % and not doing what everyone else in the industry seems to be doing by offering repayment at recent rates ( approx. 4.25 % ). They seem to be stating one issue then offering a repayment plan that would set us as the homeowner up for failure.

Nothing in their response addresses the discrepancies in dollar figures. I realize that we have a couple more days prior to their noted time to provide that, but it should have been a point that was mentioned as being worked on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: CT

Complaint narrative:
I had a XXXX card, approximately 16 months, I never had one late payment, in XX/XX/2019 I paid my balance. I went online to view my account today it stated closed. I contacted XXXX, they told me the account was closed not because of my payment history, but because of negative reporting by Transunion. I contacted Transunion, they did not give me a explanation, they told me call XXXX. 

Transunion also has at least 5 other accounts on my credit report incorrect. Transunion shows I have a balance on these accounts which I have paid. I have worked very hard the past three years to improve my credit score. I have nothing in collections. I paid my car off early, which Transunion has also not reported. I was going to apply for a mortgage and Transunion is destroying my credit. 
Finally when I got through to Transunion, it was very difficult for me to understand what the person was saying due to a very heavy accent. 
I am amazed that in the USA this is the poor reporting system we have in place. 
As I said, I was never late with my payments to XXXX, and recently paid my {$1000.00} balance and my account is closed because of whatever negative information Transunion shared with XXXX. These reporting agencies should have stricter overseeing because they are ruining peoples lives. 
Also I paid my car ( XXXX XXXX ) I have no balance it shows I owe {$9200.00}. I owe XXXX. XXXX I paid {$970.00} I owe XXXX, the balance is still there, XXXX XXXX XXXX incorrect balances. XXXX XXXX XXXX, I owe XXXX shows I owe {$600.00} This is inaccurate reporting by Transunion and damaging my credit that I am working very hard for. I have 0 accounts in collection

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 2019-06-11 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: VA

Complaint narrative:
There are inquiries on my report and I dont understand why they are on there. Someone have tried to get credit in my name and open accounts. The one that concerns me is Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
In response to the letter date XX/XX/XXXX 1. Loan Validation Direct loan servicing center ( XXXX ) has never sent an itemized balance sheet showing how much was paid and how much is left. 
If I have no loans serviced by Nelnet then why is Nelnet using XXXX XXXX and other agencies. Denying my status with social security. 
have never received a statement from XXXX to show my loan balances and occurring payments done from XXXX. XXXX XXXX  never sent a validation by fair debt standard. 
2. SSA Benefit offset I was legally XXXX XXXX in XXXX of XXXX. My last payment to XXXX was XXXX of XXXX. 
Attached is a test done in XX/XX/XXXX and was ordered by new york state office of temporary & XXXX   assistance. 
An independent specialist and my physicain  came up with two test that concluded I was XXXX  XXXX. 
My XXXX date was officially XX/XX/XXXX My review was scheduled for XX/XX/XXXX. 

that qualifies me for 5 to 7 year XXXX. 

So how can Mr XXXX of Federal student loan aid disqualify me when two independent specialist did the test. 




If we have received information from the Social Security Administration ( SSA ) indicating that you are receiving Social Security Disability   Insurance ( SSDI ) or Supplemental Security Income ( SSI ) benefits  and that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination. 
If you are receiving SSDI or SSI benefits and your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination, but we did not contact you about a XXXX discharge, you can apply and provide documentation of your SSA notice of award for SSDI or SSI benefits or a Benefits Planning Query ( BPQY form 2459 ) stating that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX   determination. 



3. XXXX Applicaton Status My XXXX has certified and sent the necessary paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
On or about the end of XX/XX/XXXX, I brought a 2018 Mercedes benz. A couple of weeks after I brought the car home the engine light came on and the brakes starting squeaking and the car jerks when I start the car or when I am at a red light. Also I am told the brakes only start when it is cold. They start hot, cold. 

Who want 's to buy a car that the brakes make a horrible brake sound, when I make a U-turn or parked in between cars the brakes sounds horrible. My insurance went up because they stated it was from an auction. I called Mr. XXXX states per XXXX XXXX it was a lease, when I checked XXXX XXXX it stated as rental. 

I have taken it back to the dealership several times about this matter, of course, they will say it is nothing wrong with the brakes. XX/XX/XXXX my last visit I sat with XXXX the REP states the car is made to have a delayed reaction. And the warrant coverage do not cover for brakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
30 Days ago I was informed by my credit tracking applications that I had new reports on my credit report. I went to see them, and I found 8 different accounts from Navient had gone delinquent. I had no knowledge of these accounts, and was never once informed that they needed to be paid. Up until this point, I had never missed a credit card/car payment/student loan payment in the entire length of my credit history. I called Navient, and they pushed me hard to forbearance, and told me that the accounts should be pushed to current and that all past due payments would just be added to the balance and negated. Today I had called them to do a follow up to see why the accounts were just marked as current and not fully removed as late, and they told me they would not be able to remove them from my credit report. When it comes to the loans, they had never tried to contact me once besides them stating that they had sent emails reminding me of the payment due. My phone number was correct and never changed, and they had the right contact information for my mom as well as myself. The address was also correct for the both of us. They had said that due to me being enrolled in " paperless '' they had never tried any other method of contact. Thus my accounts being delinquent and late has crushed my credit score when I was completely unaware of the fact that any of these payments were due. If I had, I have more than sufficient income to make said payments, and would've happily done so as you can see with every other account in my name including other student loan accounts.. They also informed me that it is my responsibility to keep them up to date with current information, meanwhile the only information they had wrong/ever chose to contact me through was an email address that was wrong and I no longer have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I attended XXXX XXXX University and graduated in XXXX with my XXXX degree and then in XXXX with my XXXX degree. 
Since then, over the years there have been periods where I had my payments reduced or deferred. I learned about this when I called to make a payment. I was informed that I can pay a reduced amount each month or that I can have payments deferred. One thing that they never told me, that I only recently found out about is, loan forgiveness. I would totally qualify for loan forgiveness except for the fact that I did take advantage of the deferred payment. 

I began working for the XXXX District Attorney 's Office in XXXX and continued to work there until XXXX. ( Also worked for the XXXX County DA 's office XXXX, totalling 16 years in public service ). During this entire time, I was never informed of the loan forgiveness which indicates that I would qualify as a public servant/ government position. 

So here I am rather than taking tremendous steps forward, I have incurred further debt when I should've been getting rid of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: KY

Complaint narrative:
My student loan originally started with XXXX. They transferred my loan to XXXX  I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus XXXX, Transunion and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.

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 2019-06-11 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: KY

Complaint narrative:
My student loan originally started with XXXX. They transferred my loan to XXXX I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus XXXX, XXXX  and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX  each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: KY

Complaint narrative:
My student loan originally started with XXXX. They transferred my loan to XXXX I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus Experian, XXXX  and Experian that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with Experian each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.

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 2019-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchased a 2008 XXXX XXXX  from XXXX XXXX XXXX in XX/XX/XXXX and my car loan is through Santander Consumer USA. At the time of purchase, I didnt have any established credit and my APR was 26.42 % with a car payment of {$550.00} per month. My credit improved in XX/XX/XXXX & XX/XX/XXXX and I tried refinancing for a lower interest rate with Santander which they wouldnt allow. I tried refinancing with other lenders as well and was denied because the loan was upside down, owing more than what the car was worth. In XX/XX/XXXX, I was terminated from my job and I was using my unemployment money to pay my car payments as best as I could. On XX/XX/XXXX Santander repossessed my car and when I called to find out the necessary amount to reclaim my vehicle, I was informed that I was 3 months behind which should have been at the most {$1600.00} but instead I was told that I would have to pay {$3900.00} ( please see attached statement ) in order to get the car back. On XX/XX/XXXX the car was sold at an auction for {$4000.00} and the remaining balance of {$15000.00} is owed. Much to my surprise, I recently reviewed the attached transaction history and for the past 4 years I see that my car payments were being applied to the interest and I still had the same balance due of {$19000.00} which is the original amount financed in XX/XX/XXXX. Also, according to the transaction report the amount that the car sold for was applied to the principal balance and the amount of {$15000.00} is outstanding. I am shocked to learn that NOTHING had been applied to the Principal balance until the car was sold. Also attached, are the XXXX XXXX XXXX reports which show that the car was worth {$4000.00} when I purchased it and {$3100.00} is what its worth now 4 years later. Based on the amount of {$4000.00} Santander received from selling the car in XX/XX/XXXX, plus the inflated monthly car of payments of {$550.00} Santander has recouped the value of the car and then some. Not to mention, according to the attached Sales Contract with XXXX XXXX XXXX had I been able to make all the car payments due under the sales agreement I would have paid {$40000.00} for a car that is only worth {$4000.00}. Santander is a predatory lender that takes advantage of people like me that have no clue about interest rates, that have no established and/or poor credit and desperately need a car. Please help put an end to Santanders predatory and disgusting lending practices.

Company response to consumer: Closed with explanation