vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX Santander became my automobile finance company after I put $ XXXX down on a car. It's now XX/XX/XXXX and I still owe just as much as I did in XXXX. I don't understand how I could pay {$32000.00}, total to date ( XXXX ) and still owe over $ 24k. I've been a loyal customer to Santander but I can't get any help with this problem. I found out today that Santander had assigned my car for repossession without my knowledge. I'm constantly threatened with repossession and I get 7-10 phone calls every week. All of this and I've paid them over $ 32k. Santander had me paying interest only some years ago and I don't know if this added more money to my loan or if it was extended. I was never told if any time or money was added to my loan. I need help with this Issue ASAP because my loan matures in XX/XX/XXXX and Santander shows that I still owe over $ 24k. Santander has made a lot of money on this deal and they are acting in a predatory fashion by trying to prolong the loan and repossess my car. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OK

Complaint narrative:
Someone opened an account in my name at XXXX wireless and there is a bill for {$1100.00} that was turned over to XXXX XXXX. I have sent then identity theft letter, police report, and all documents in that they have requested. Over 30 days ago i asked for a follow up and removal from my credit file. There has been no further communication from XXXX XXXX and this remains on my report. I have already spoken to XXXX and sent in the paperwork to them also. XXXX service is not even offered where i live and the company does not all shipping to my address. It seems pretty obvious that this is fraud but nothing is being done nor has been done for 4 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I XXXX XXXX received a credit card in the mail that I did not apply for. The credit card is a Chase Slate card that was fraudulently opened in both mine and my wife, XXXX XXXX name. I then proceeded to call Chase at XXXX on XX/XX/2019 at XXXX AM XXXX. I spoke to XXXX who falsely told me I opened the card on XX/XX/XXXX. 

My concern is as to why this credit card was fraudulently opened in my and my wifes name. Furthermore the bank keeps on insisting I opened the card even though they lack proper documentation. 

I need assistance in terminating this fraudulent card and removing this fraudulent card from my and my wifes financial and credit history. 

Thank you for your efforts on my behalf. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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: AL

Complaint narrative:
i was told that there is noting thati can do once i let one company check my credit they an use as many companys as they want to and i filed bk they should remove some of the creditor that i apply for

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 2019-02-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MOHELA
State: MD

Complaint narrative:
I recently filed an identity theft report on MOHELA for stealing my SS # and other information to create an account. I requested multiple times in writing and by phone to STOP calling me. I consider their phone calls harassment. They call every Monday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: NY

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly dele

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 2019-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion is reporting unverified information on my credit report. Below are listed items that have been disputed but I have not received a response with any proof of accounts belonging to me. I have no contract with any of these creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX 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 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
i fell behind and asked for a hard ship plan due to lost of income i am working the hard ship plan im on is XXXX dollars a month wit 4.9 apr for 60 months but this is NOT being honored by the bank i went to XXXX XXXX XXXX   and seen the manger we called the credit card part of the band thy stated im XXXX dollars behind im not thy also told the manger thy expect me to pay double and triple payments this in not in my agreement with them thy also rported me now 4 months late i am not also thy said you might have made a payment in XXXX but this is not this months payment when it was ive hade nothing but problems with is bank and something needs to be done also was told to bring on a law suet by this company by one of there supervisor and said to BRING IT ON SHE STATED thy also sent me a letter saying im seriously past due i have all paper work and i ask for the CEO to contact me but thy will not have any one contact me with my concerns i even offerd then a XXXX to settle the account got told to call some number and the computer will state what i need to pay and that was a supervisior this is a lot going on here that needs to be looked in to thy are in the rong and im asking for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I was a victim of Identity theft and someone used my information at an ER in XXXX  XXXX Oklahoma. I got in touch with the hospital and the person showed no ID and left against medical advice. I have provided all information requested by XXXX to have this removed as Fraud and requested a follow up of the removal over 30 days ago with no response, I would like this removed as it has a negative effect on my credit and is not a valid debt

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 2019-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is regarding Transunion 's " XXXX XXXX '' alleged scoring system that I have been fighting with for at least two years. I have no outstanding credit except my primary residence. Yet, my score went down 23 points in one month. Balance down. Date of oldest accounts ( average accounts ) up. Should be higher, not lower. Then, in further insult, the reports state that I have not opened enough accounts and my available balance is too low!!! Yet, everyone knows that if I follow the alleged advice, my score would decrease by over 100 points ( hard credit hits are 20 to 30 points negative impact for at least 24 months. ) Then, Transunion would end up reporting that I have too much available revolving credit - since they do not use length of employment or income or assets any longer. 
It is simply outrageous and I am specifically harmed by their false score reporting. Every one is using the XXXX because it is funded and controlled by the big 5 CRAs and no way around them. Another example. I have been in my home 18 years which I bought for CASH. I re-financed to get cash out, then my loan was sold multiple times, w/o the lenders informing me until AFTER the portfolio went somewhere else. So, instead of Transunion linking these together as the same loan with the same Borrower ( me ) and the identical property ; they report these as if they are new loans - and only show me owning this home for two years ... not 18. No call to my bank ( 16 years ) ; lender, etc. has resulted in anything except silence or " it's not our problem - take it up with XXXX ( who will not respond ). Not only that, they actually provide no contact information - it's a circular jerk. They refer you to your bank or lender who then refers you bank to XXXX. According to them, I am just now 7 points shy of falling out of the best credit group. I need to buy my son a car soon, and some other things, and this will cost me at least 1 % more per month.

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 2019-02-18 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: I.C. System, Inc.
State: FL

Complaint narrative:
IC Systems Inc. has continued to reflect a derogatory account entry on my XXXX credit report despite my efforts to challenge the validity of such. IC Systems has not once notified me of this alleged debt in writing. In particular, per FCRA, I was supposed to have received a dunning letter from them whereby I would have had 30 days to dispute the validity of such account. To date, I have yet to receive anything from this company. I have never heard of this company, nor have I ever conducted any business with this company. The mere fact that they blatantly placed this erroneous entry on my credit report and continue to report it is causing further detriment to my creditworthiness. 

In my review of this account entry, ( see attached documentation ), as IC is reporting on my XXXX   credit file, they stated that the account was opened in XX/XX/2017 and they started reporting in XX/XX/ 2017.  How then, did they allow 6 months as per the Affordable Care Act for any insurance payments to process? They did not provide the financial responsibility statement nor any documentation to support or justify this alleged debt. 

In short, this entry is erroneous and unverifiable and must be DELETED immediately due to IC Systems forfeiting my rights under consumer law.

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 2019-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Loan Balance was paid off in full during the Month of XX/XX/XXXX, for remaining balance of original loan of vehicle which was considered a total loss in XXXX. Made several significantly large payment during XXXX in an effort to pay off balance owed after money received from insurance company. Santander reported a delinquent payment in the month of XX/XX/XXXX, one month before this account was paid in full which is drastically affecting my credit ratings at this time and was not appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
Excessive calling at unannounced times.

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 2019-02-18 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: AL

Complaint narrative:
i was told that there is noting thati can do once i let one company check my credit they an use as many companys as they want to and i filed bk they should remove some of the creditor that i apply for

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 2019-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I am currently being discriminated against likely cause I do no not pass as XXXX or someone who does not have anyone in their life who would send a personal check in the mail cause they care about them ... I am at the XXXX  XXXX location on XXXX XXXX XXXX in XXXX XXXX where my mom was hung up on twice and told everything was good but I am still being made to wait for whatever reason. I came in at XXXX and saw several other high maintenance customers helped and on their way while I wait patiently enduring the power the customer service representative feels they are due to exert. Pathetic and just sick of the constant treatment because I am not like everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Several weeks or more than 30 days of investigation into a problem and has not been solved. the worst is that More than 30 days of continuous retaliation by Equifax which became more visible now in at least Blacklisting my information and/or participating in blacklisting against my person now there is clear and convincing evidence of that which is a fact now. Equifax did not comply to the FCRA. Equifax blacklisted my infirmation to deny my right to get my credit report free under FCRA in my situation. Equifaxs retaliation against me violated my consumer rights in violation of the Dodd Franklin CFPA of 2010 ... .etc all rights reserved by my person and all stated herein is to current state of belief knowledge and understanding and all is subject to anything by my person only and at anytime and without prior notice and without waiving my rights under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: GA

Complaint narrative:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX ), XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( Experian : 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 non-monetary relief
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
I've been receiving mail and calls via the debt collector and its become a harassing matter. I tried to request verification via the debt collector and they can not provide it yet still send me letters in attempt to collect.

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 2019-02-18 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: GA

Complaint narrative:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX  ( Transunion : XXXX ), XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX ( XXXX   : XXXX Transunion : XXXX ), XXXX XXXX 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 2019-02-18 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: GA

Complaint narrative:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX   : XXXX ), XXXX XXXX ( XXXX : XXXX ), XXXX   XXXX Equifax : XXXX XXXX : XXXX XXXX  : XXXX ), XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ), XXXX XXXX XXXX  ( XXXX  : XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is regarding XXXX XXXX " XXXX XXXX '' alleged scoring system that I have been fighting with for at least two years. I have no outstanding credit except my primary residence. Yet, my score went down 23 points in  one month. Balance down. Date of oldest accounts ( average accounts )  up. Should be higher, not lower. Then, in further insult, the reports state that I have not opened enough accounts and my available balance is too low!!! Yet, everyone knows that if I follow the alleged advice, my score would decrease by over 100 points ( hard credit hits are 20 to 30 points negative impact for at least 24 months. ) Then, XXXX would end up reporting that I have too much available revolving credit - since they do not use length of employment or income or assets any longer. 
It is simply outrageous and I am specifically harmed by their false score reporting. Every one is using the XXXX because it is funded and controlled by the big 5 CRAs and no way around them. Another example. I have been in my home 18 years which I bought for CASH. I re-financed to get cash out, then my loan was sold multiple times, w/o the lenders informing me until AFTER the portfolio went somewhere else. So, instead of XXXX linking these together as the same loan with the same Borrower ( me ) and the identical property ; they report these as if they are new loans - and only show me owning this home for two years ... not 18. No call to my bank ( 16 years ) ; lender, etc. has resulted in anything except silence or " it's not our problem - take it up with XXXX ( who will not respond ). Not only that, they actually provide no contact information - it's a circular jerk. They refer you to your bank or lender who then refers you bank to XXXX. According to them, I am just now 7 points shy of falling  out of the best credit group. I need to buy my son a car soon, and some other things, and this will cost me at least 1 % more per month.

Company response to consumer: Closed with non-monetary relief