vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I filed complaints and the company refused to talk to you because i had an attorney write a demand letter. 
The company refuses to talk to me because of that attorney letter. I told the company my attorney wants to sue them and i have not paid for that yet so they can talk to me. They have not replied to date. 
The company has received XXXX payments from me. All XX/XX/XXXX dates. 
XX/XX/XXXX, XX/XX/XXXX, and XXXX on XX/XX/XXXX.
XX/XX/XXXX another payment was placed into a special account until the other XXXX payments are properly credited. 
I have provided them notarized bank statements where it clearly shows the company received my money. 
Why they are not crediting my account is beyond me. At first the company asked for more clear statements. I showed it was their upload system and not my statements that were unclear. 
I emailed them and confirmed they could read them. 
I then had the notarized statements sent to them and the company confirmed they received those. 
The company seems to want to use fraud in their refusal to credit my payments to my account. 
They received my money, their own people admited it, yet their fraud team and investigations team is deficient and wrong, and when i talked to them i proved they were wrong, yet still no payments credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I saw this derogatory claim from Midwest Recovery Systems for a payday loan that i never took out on ( XXXX XXXX, 2016 ) XXXX claims is {$820.00} ; but Midwest doesnt have a original amount of the said debt or a contact number from the original creditor. 
After doing several research have found out its a scam. However they want me to pay them to delete it. I simply told them that if they didnt remove this from my credit i would be suing them for violation of the FCRA and i would be filing a complaint with the Police and i got hung up on. I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: CA

Complaint narrative:
Bank checks issued payable to Department of Education to fully pay off my parent loans with Great Lakes. 

XX/XX/XXXX- U.S . Postal Tracking confirmation that the checks were received by the Department Of Education ( XXXX.XXXX XXXX, XXXX, GA XXXX ). 
XXXX Both checks were cashed on this date. 

TO THIS DATEXX/XX/XXXX my account has not been updated with the payoff payments I have made. 

Been speaking with XXXX, supervisor at Great Lakes and she advised me that the checks were sent to XXXX in error. 

How did that happen if the Payoff Statements downloaded from Great Lakes website were attached with the checks mailed. 

The checks were issued to the Department of Education and referenced to Great Lakes. 

How long will it take Great Lakes to rectify the situation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello, I Received one letter from XXXX XXXX XXXX at the end of XX/XX/XXXX states the Mortgage is transferred a month ago, to XXXX XXXX XXXX from previous lenders : XXXX XXXX XXXX In the letter sent by XXXX XXXX XXXX the principal Balance of the loan is : {$340.00} of which is not matched. On XX/XX/XXXX, my principal home loan was XXXX as recorded by XXXX XXXX XXXX lenders. 
Also, one payment dated XX/XX/XXXX for XXXX is posted for a loan payment, Since XXXX XXXX XXXX [ ownership ] assign to XXXX XXXX XXXX as a new servicer supposedly is posted in their account number : XXXX. 
In advance I am attaching a document from my exiting modification on XX/XX/XXXX from XXXX XXXX XXXX Also, a history of the recently Payment made to the previous servicers including statements from them [ XXXX XXXX XXXX and 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 2017-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I went to the bank to pay my mortgage. I unfortunately was behind on paying so I sat down with a banker and spoke on the phone with someone from the mortgage department. I found out the total amount that was due for me to get caught up. I then proceeded to try to pay with two different cards. One from my credit union and the other from. My XXXX XXXX checking account. The first portion {$700.00} was paid and when I attempted to pay the second portion I was informed that the bank would not accept my request due to the fact that I was attempting to use XXXX XXXX. I then on XX/XX/XXXX paid the second portion. When the second part was paid I wanted to make sure that I was up to date. The individual who accepted the payment stated that the first one did n't show but that was when I paid the money the bank was processing and would show after the weekend. I asked if she could see that it was in the system at all and read all the information that was on the receipt. The bank never showed the payment for the past year. I proceeded to send copies to the bank so that they could do an inquiry and find the money. When nothing came of that I proceeded to go to one of the branches and had the branch manager to electronically send the bank receipt and the receipt from my credit union showing that the payment was made. I then tried to buy a new home and also was trying to buy a car but the bank has put the delinquency on my credit report. My mom was the one who consigned for me and this has affected her credit as well. The mortgage department stated that they never received any of those emails and faxes. When on the phone I was told by one person that the payment was paid to a portion of my principle instead of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC
State: CA

Complaint narrative:
To whom it may concern this is a ongoing problem with the practice of this business after I was being told there be no more further collection and their statement was forwarded to Department of Business Oversight of California I still continue to receive different types of collection agency attached is the documents trying to have a mutual agreement they had ( 4 ) different licenses and ( 2 ) different addresses neither from California also 4 enforcement actions. I was unaware of their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: TX

Complaint narrative:
Went to finance a new car and ended up with XXXX hard inquiries.

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 2017-09-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Went to finance a new car and ended up with XXXX hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XXXX XXXX is reporting my Date Of First Delinquency inaccurate according to XXXX XXXX my Date of First Delinquency is XX/XX/XXXX and stated that last payment was XX/XX/XXXX before the account went to charge off. I agree that was the last payment I did was XX/XX/XXXX but the payment was returned by the bank and should have not credited to my payment history as payment last payment was XX/XX/XXXX. I am requesting Honda to delete this seven year account that they are still reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: IN

Complaint narrative:
My interest has compounded to the point I can not afford my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
To whom it may concern this is a ongoing problem with the practice of this business after I was being told there be no more further collection and their statement was forwarded to Department of Business Oversight of California I still continue to receive different types of collection agency attached is the documents trying to have a mutual agreement they had ( 4 ) different licenses and ( 2 ) different addresses neither from California also 4 enforcement actions. I was unaware of their practice.

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 2017-09-26 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: NC

Complaint narrative:
I have just obtained a credit report from Trusted ID ( Equifax ) and I found in my personal information section XXXX addresses from Colorado that I never associated with. Those XXXX addresses must have recently appeared as they were never in any report up to a few years ago when I checked my credit report. All other addresses are OK but I never been associated with any address in Colorado for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: KY

Complaint narrative:
Equifax has posted several credit inquiries under my credit report that I do not recognize. 
- XXXX -XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I am filing this complaint because all of these have negatively impacted my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 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: CITIBANK, N.A.
State: KY

Complaint narrative:
XXXX has posted several credit inquiries under my credit report that I do not recognize. 
- XXXX/XXXX -XXXX XXXX XXXX - XXXX - XXXX/XXXX - CitiBank I am filing this complaint because all of these have negatively impacted my score.

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 2017-09-26 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
XXXX has posted several credit inquiries under my credit report that I do not recognize. 
- Comenity/XXXX -XXXX XXXX XXXX - XXXX - Comenity/XXXX - XXXX I am filing this complaint because all of these have negatively impacted my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
I have never received any letter from the debt card company, XXXX, ( which was sold & probably closed all accounts without previous notice ), my payments were on auto debt, and because they without notifying me closed my account they were not able to keep charging my account. Suddenly 2 years ago I find my account in collection with JH Portfolio Debt Equities, still thinking my auto pay was taking care of that, I contacted the company and no one was able to give me more information about that account since it was too new. I contacted them several times and only after disputing through XXXX that they found out that they were sending registered letters which were not being forwarded to my new and updated address through USPS. I still wanted to pay my balance in full but in the correct amount without late fees and penalties applied by XXXX with the condition of them fixing their mistake with all credit bureaus and taking my name out as default on payment reported, but they refused! My credit was hugely and negatively impacted by their silly mistakes committed both by original lender XXXX and new debt collector JH Portfolio. Every quarter I contact them, they still ca n't do anything about it, just told me on the phone that if I pay they wo n't change my credit report with bureaus and I refuse to pay in these terms. They need to fix their mistakes and not make hard working and honest people like me to look bad even when going to buy a car. Unbelievable!!!

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 2017-09-26 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: TX

Complaint narrative:
I have disputed this erroneous account numerous times before and provided documentation. They refused to investigate and correct their error. They are illegally reaging the deliquency of an account that should have been deleted years ago according to Experians own documents. The account is 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 non-monetary relief
Consumer complaint received 2017-09-26 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: TX

Complaint narrative:
I filed an Identity theft report with the FTC after I discovered a couple of accounts, an addrersse and several inqueries on my report due to fraud. I have alerted the credit bureau however they did not investigate or remove all of the fraudulent inqueries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: TX

Complaint narrative:
I filed an Identity theft report with the FTC after I discovered a couple of accounts, an addrersse and several inqueries on my report due to fraud. I have alerted the credit bureau however they did not investigate or remove all of the fraudulent inqueries.

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 2017-09-26 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: TX

Complaint narrative:
I filed an Identity theft report with the FTC after I discovered a couple of accounts, an addrersse and several inqueries on my report due to fraud. I have alerted the credit bureau however they did not investigate or remove all of the fraudulent inqueries.

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 2017-09-26 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: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX consumer number XXXX.
Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 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: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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