vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Santanders auto loan division has placed my husband and me in a more financially crippling situation than we were in before contacting them for assistance. In early XXXX, I contacted Santander to set up a payment arrangement for the payments that were missed due to loss of income. The first representative I spoke with informed me that I was able to defer the missed payments altogether, and they would be added to the end of the loan. She then stated that the next payment would not be due until XX/XX/XXXX. This would give my husband and me time to catch up on our monthly auto payments and bring our account to a positive standing. 

Since the account with Santander is under my husbands name, I had to call back with him on the line to accept the payment plan. Consequently, I called back a few days later with my husband on the phone so that he could approve this arrangement. Upon calling Santander again, we spoke with different representative, however, she outlined the SAME terms that the previous representative explained to me. For this arrangement to take effect, we needed to make an initial payment of {$850.00}, which was processed via debit card on XX/XX/2018. 

Today, our vehicle loan with Santander is in the same negative status as it was when I placed the initial phone call due to the negligence of not one, but TWO representatives who failed to provide accurate information when setting up this  payment plan. Unbeknownst to me, our next payment should have been in XXXX and not XXXX according to an account representative I recently spoke with who informed us of our delinquent account status. 

Santander has repeatedly apologized and admitted that the representatives of their company provided inaccurate information, yet they refuse to remedy the issue. We are unable to make an additional payment on this account, especially since we were under the impression that regular payments would resume in XXXX. Santander has a fiduciary responsibility to their customers that includes providing them the most accurate information regarding their account ( s ). Their mistake have cost us yet another negative credit mark, and an additional balance that we are unable to resolve at this time. We are requesting Santander to delete the negative credit reporting associated with this payment arrangement, as well as defer XXXX payment to the end of the loan as originally discussed. Furthermore, when I access our account online, it shows a past due amount of {$4200.00}. Santander needs to adjust this information to provide the most accurate information about our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I own a house in XXXX XXXX, NJ and I am having a tremendous amount of difficulty with Lakeview Loan Servicing and the Borrower Loss Mitigation Application. 

I am very concerned about the mortgage. In XXXX, XXXX, and XXXX, I have made several phone calls to Lakeview and have not been able to move forward with obtaining a positive resolution to the Borrower Loss Mitigation Application. I feel that I have been ignored.

When I called, I was told that Lakeview had changed my representative. They have changed the represenattive 3 times. These changes have delayed the process of my application. The first representative did not reach out to me. 

At this time, I submitted this Borrower Loss Mitigation application approximately 3 months ago. Additionally, I have submitted the requested documents to Lakeview over and over again. It was only after I called again, and I filed a complaint, that a new representative was assigned to me. Then, I was told that I needed to send the application documents once again. This is totally unacceptable. 

Last week, I called and my representative was changed once again and was told that the lawyer proceedings was suspended. 

I am unclear why a lawyer has contacted me, giving me 45 days to settle this outstanding debt, and to remove myself from the property when I have I completed the Borrower Loss Mitigation Application several months ago and the delay has been on Lakeview 's side and not mine.

I need to hear back from Lakeview as soon as possible. I need to receive confirmation that my application was successfully processed. I want to be back in good graces with my mortgage.

I have been in steady communication with Lakeview and I an unclear as to why a modification has not been provided to me as of yet, given the fact that I have a reduced income. I continue to look for employment at a higher salary rate, and I am very interested in being in compliance with my mortgage.

I feel like I have been going in circles with them.

At this point, I wonder why are they not processing my application and continuously changing my representative.

I have involved the organization HOPE with my case with Lakeview.

Many thanks for your help and speedy attention to this stressful matter.

All my best.

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 2018-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/18, I sent a request to have all my information updated : 1. To have all old addresses deleted off of my file, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

2. To update my name on my file.

3. To update and delete all old phone numbers.

4. There are -2- collections on my report and I have asked for validations for these collections to prove that the debts belong to me.

The above was -not- done or updated. 
On XX/XX/18, I sent in another request for this information to be followed up with and still to date nothing has been corrected on my report. 
This company failed to get back to me within the 31 day period so therefore they are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/18, I sent a request to have all my information updated : 1. To have all old addresses deleted off of my file, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

2. To update my name on my file.

3. To update and delete all old phone numbers.

4. There are -2- collections on my report and I have asked for validations for these collections to prove that the debts belong to me.

The above was -not- done or updated. 
On XX/XX/18, I sent in another request for this information to be followed up with and still to date nothing has been corrected on my report. 
This company failed to get back to me within the 31 day period so therefore they are in violation

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 2018-08-05 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: TN

Complaint narrative:
XXXX/XXXX Date : XX/XX/2018 Inquiry Type : Unknown - Credit Extension, Review, Or Collection I did not authorize this inquiry

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 2018-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Good Evening, I Bought a television over a year ago for close to {$1500.00} with a CITI Best Buy credit card shortly after getting the credit card. Have been paying on the card now for over a year no issues. Two months ago XX/XX/2018 I noticed that my minimum payment had increased dramatically. I thought nothing of it, and I payed the bill. The next month XX/XX/2018 I noticed the same issue. I decided to open my account, and take a look at the activity to see what was going on. I started to dig, and noticed a {$1000.00} interest charge. I thought that there might have been a mistake, so I called their help line on I believe XX/XX/2018. I talked to the phone operator, and was told that there was no mistake, and that I had signed up for a no interest year and a half, or two year financing plan. I was told that I did not pay the debt off in time so they charged me a ridiculous amount for interest. I did not sign up for this program, and tried to explain this to the phone operator. I got nowhere with him so I asked to speak to the supervisor. I talked to the supervisor, and she informed me that she could extend the payment deadline to XXXX  that night to pay off the XXXX debt, but no further. I had called them around XXXXXXXX XXXX  so roughly 7 hours to pay an unexpected bill of XXXX $ to avoid a XXXX fee while I was in the middle of paying my bills. I told her that I did not have the money right then and there, but if she could extend the deadline to my next billing date I would be happy to settle my bill. She said this would not work, and 7 hours was the best she could do. I did not sign up for this program they are committing me to, and I would like to resolve the issue as soon as possible. 

Thank you for your time.

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 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/18, I have sent the company a letter that this collection on my file is reported as inaccurate amount for {$1600.00}.

1. I have also asked that they provide me evidence that this debt belongs to me, and to provide to me " who '' verified this information, ie, signature showing that I am legally binded and obligated to pay this amount.

I have not heard back from this company in regards to my request.

This company has failed to get back to me within the 31 day period, so they are already in violation.

This company has sent me letters threatening to sue me for this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: TN

Complaint narrative:
XXXX/XXXX Date : XX/XX/2018 Inquiry Type : Unknown - Credit Extension, Review, Or Collection I dont reconize this inquiry

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 2018-08-05 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: IL

Complaint narrative:
On XX/XX/XXXX I received notification that public record accounts were reporting in my name on my credit report from XXXX  XXXX XXXX XXXX. I've disputed this error with them and have since contacted this credit bureau numerous times via mail, phone, & online disputes and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well. I've sent 5 certified letters U.S.P.S Postage mail to this Reporting Agency over the course of a year. Ive disputed these same items 19 times & the company has yet to provide a response within the 30 days allowed, provide any Validation of Record which I requested nor correct this costly error on my behalf which is affecting my opportunities to obtain credit. It even doesn't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I've written the US XXXX district Courthouse & their response which I can provide is that they do not report any activity with credit bureaus. This letter was officially sealed and notarized by an agent representative of the Courthouse. So my concern is that if they aren't reporting any information how is that being retrieved This public record is only reporting on my Equifax report and not any other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/18, I have sent the company a letter that this collection on my file is reported as inaccurate amount for {$1600.00}.

1. I have also asked that they provide me evidence that this debt belongs to me, and to provide to me " who '' verified this information, ie, signature showing that I am legally binded and obligated to pay this amount. 

I have not heard back from this company in regards to my request. 

This company has failed to get back to me within the 31 day period, so they are already in violation. 

This company has sent me letters threatening to sue me for this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/18 I have sent this company a letter asking them to prove that this debt belonged to me, ie, signature or contract obligating me to pay this debt. 

On XX/XX/18, the company responded to me with the letter, saying that they have completed the investigation and that the account was valid, just sending me summaries of the account in question. The original balance due on the account was {$290.00}, but then charge off charges put the amount to {$570.00}. 
This information provided to me does not constitute that the debt is mine. 

On XX/XX/18, I sent another letter to the company asking validation of the debt. 
The company did not respond back within the 31 day period, so they are in violation This company responded on XX/XX/18 saying that there will not be another investigation, due to my prior dispute on XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My name is XXXX XXXX and I contacted Navient approximately 2 years ago and requested to only contact me by mail or email. I asked them to remove my home and work number and any other numbers they have affiliated with me. I did not want to be contacted by any other means. In turn, I've paid the required payment every month. I have not received any phone calls to my home. However, on Sunday, when I arrived at my church, XXXX XXXX XXXX, I was approached by the church secretary and was told Navient has left several messages for XXXX XXXX to contact them immediately. She stated there were messages on the voice mail from XX/XX/2018 to XX/XX/2018 and calls were also answered by an associate at the church on XX/XX/2018. Other than attending the church, I've never worked at the church and I've never received or made any personal calls from the church. I did not even know the church telephone number until I inquired about it to file this complaint. They have violated and consistently disregarded the Telephone Consumer Protection Act although I've made numerous request to only contact me by mail or through email.

I reviewed my online account and in my profile, it list my phone number as ( XXXX ) XXXX. This is the number to the church. I have never provided this number to them and it is on file that I do not receive any phone calls. I've had the same home number for more than 20 years and the same cell number for 18 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I had a failed transaction at a Chase bank ATM where I was charged for a withdrawal the machine did not dispense or provide a receipt for. 

On XX/XX/2018 at approximately XXXX I attempted to withdraw {$100.00} cash at a Chase bank ATM at XXXX XXXX XXXX XXXX in XXXX XXXX , though I do not have an account with them. 

The transaction went normally until the machine failed to dispense the cash when it indicated it would. The cash dispenser did not open and the receipt was not printed out. The people in line behind me at the time declined to use this ATM because they saw this happen. 

When the bank employee opened for the day at XXXX I spoke to him about my problem with the ATM and he told me the machine seemed normal. He also said there was nothing he could do to refund, and that it was me and my bank 's problem to be resolved between us. He would not have the machine inspected or the security footage checked which would show the malfunction. 

I called my bank ( XXXX ) the same day to report this malfunction and it was confirmed that it was indeed logged as a successful transaction which would debit my account. The incident is still to be discussed with them pending weekday business hours this Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with accounts.

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 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/18 I have sent this company a letter asking them to prove that this debt belonged to me, ie, signature or contract obligating me to pay this debt. 

On XX/XX/18, the company responded to me with the letter, saying that they have completed the investigation and that the account was valid, just sending me summaries of the account in question. The original balance due on the account was {$290.00}, but then charge off charges put the amount to {$570.00}. 
This information provided to me does not constitute that the debt is mine. 

On XX/XX/18, I sent another letter to the company asking validation of the debt. 
The company did not respond back within the 31 day period, so they are in violation This company responded on XX/XX/18 saying that there will not be another investigation, due to my prior dispute on XX/XX/18

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 2018-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-08-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I reviewed my credit report several months ago to find that XXXX XXXX XXXX has an open debt collection for {$1600.00}. I send a Debt Validation letter 45 days ago with no response to XXXX, XXXX, & XXXX  Credit Reporting agencies requesting in writing information to confirm this debt is mine. I have not received any information in writing. The account in question states it was opened XX/XX/2016. 

However, the credit bureaus updated my credit report to say verified but has not supplied me in writing with data confirming the account belongs to me.

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