vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lender stated that application will not affect credit score and only a soft inquiry will be done. While loan was declined, an immediate hard inquiry showed up on my credit report. I immediately contact them and told them that it was not noted on their disclaimer. The only things noted were soft inquiry and that loan will not impact credit. My credit is already score dropped one point on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have tried to have information verified on my credit report by Midland Funding LLC, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Calif XXXX, I sent a certified return receipt letter to this company to the address listed on my credit report only to have it listed as " return to sender '' not deliverable as addressed and unable to forward. I believe this company has had so many inquiries asking to verify credit report information that they are trying to confuse the general public or frustrate it. 
The Fair Credit Reporting Act states that all information on a credit report has to be 100 % accurate including corresponding information about the creditor. I am not able to verify information on my credit report and that is a violation of federal Law. 
My initial inquiry was to have them provide verifiable information to me showing a signed contract between myself and Midland Funding LLC. proving that I owe them {$670.00} I am asking that any and all information on my credit reports from Midland Funding LLC be removed from my reports immediately. My certified return receipt letter was mailed XX/XX/2019 and returned on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX AUTO FINANCE account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!

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 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I want my granddaughter to assume the loan as she pays the mortgage and stays there. 
XXXX letter was signed and emailed to XXXX as requested. The prior rep had advised me to send in a letter to this address stating why the assumption was wanted with details. 
XXXX I email the XXXX stating that I havent heard anything what do we need to do to get the assumption process rolling I never get a response Mid XXXX I call because I still haven't heard or received any contact and told that it takes up to 30 days for their team to review it as they have to take it to investors to get the approval. 
XXXX XXXX I speak with a representative who states that the email was received, but it should have been mailed in, but it looked like it was already being processed. She stated that in the future this type of letter should have been sent via snail mail to SLSXXXX, CO XXXX and recommends XXXX Physical Letter signed and snail mailed out XXXX I called customer service to which they stated they had not received my letter, but recommend me sending it in, possible with tracking verification, and that they would open a ticket to search for the letter. 
XXXX XXXX The letter showing intent for myself to assume the loan resent. Attached was a letter stating all the interactions we have had. This was sent with tracking verification. This reached the destination XXXX and picked up 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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX XXXX XXXX   account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!

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 2019-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
I had an awful day with my So-Fi personal loan today! I've always been early with all of my payments for this loan. I made an early payment- 6 weeks in advance on XX/XX/2019 for my XX/XX/2019 obligation. I logged into my account to check the balance on XX/XX/2019 and the account was posted as delinquent! After 3 phone calls and over 3 hours on the phone total, I was told by the service manager of the loan that it was So-Fi 's policy NOT to accept early scheduled payments and even though I made the correct amount of payments he said I was still delinquent. I've NEVER heard of a company that issues  loans that does not accept early payments. He said I must pay the payment that I already made or the other option was to add the payment to the end of the loan?? Makes no sense at all. Customer service is horrible, no one understands basic concepts involving payments. Also their payment page had a " select button '' clearly stating the payment was for my XX/XX/XXXX payment. Are they allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX XXXX XXXX account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc.
State: FL

Complaint narrative:
I have been working directly with SOFI in an attempt to resolve a debt that was taken out as a result of ID Theft. This has been an ongoing issue that I have been trying to communicate since XXXX of 2018. I submitted the requested documents to officially dispute the item and was asked multiple times to submit additional documents to support my claim. During this time my account was sold to collections which I was under the impression was a violation of the Fair Debt Collection Practices Act. I now have seen reports that XXXX and XXXX have attempted to serve me with paperwork. I attempted to call them after submitting fraud docs to them as well / They are continuing with the collections effort and say that SOFI needs to contact them to change that. I have been dealing with SOFI to resolve this and it does not seem to be getting anywhere and I am constantly told I need to call XXXX to resolve. I reached out today to SOFI yet again only to find out they have not even reviewed the updated documents they asked for back on XX/XX/XXXX. Multiple calls after XX/XX/XXXX I have been told I will receive a phone call back and leaving messages only to never get a response. This is really unprofessional handling of my situation, but as a victim of fraud, I should not have to go through all of this to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I took out title loans with my vehicle as collateral with Title Max on XXXX XXXX XXXX in XXXX, SC. The loan number was XXXX and spoke to XXXX and XXXX as well as XXXX in that Title Max Office. I could not make the monthly payments so I voluntarily turned in the vehicle, a 2009 XXXX XXXX with just XXXX miles on the odometer. I was told they would sell the vehicle to satisfy the debt of about {$11000.00}. 

I do not know what has happened since the vehicle was voluntarily surrendered on XX/XX/XXXX. Was the vehicle sold? If so, for more than the loan balance and Title Max owes me the difference. I believe the XXXX had a value of at least {$14000.00} due to its low mileage and very good condition. Did Title max sell the vehicle for more than the debt and refused to refund me any difference? They are a sloppy   company and need more monitoring about what happens at the end of the loan or selling of the vehicle. 

Please, do not use Title max if you can help yourself. I learned my lesson but at least have no headaches from them calling me daily about this loan or the vehicle but they need to follow through on what happened at the end? Customers should be given a final accounting of what happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Once again were having a very difficult time with SPS to avoid foreclosure. We have been denied for a modification. We were told by SPS we can apply for a short sale which we have done. On our first submission was declined due to the fact SPS want a full payoff. Our Realtor then went back to our 2nd Len holder ( XXXX )and resubmitted the short sale and over the past 3 weeks is getting the short sale approval. In the mean time SPS has decided to go against its word and place the sale date that was on hold too ACTIVE. Back doored again! We now have a sale  date of XX/XX/19. Please place the short sale on hold so we can complete the short sale and avoid foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: GA

Complaint narrative:
Equifax, XXXX and XXXX all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX XXXX. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with Dominion XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX for this debt. Also XXXX XXXX XXXX is another account that went delinquent in XXXX as reported by equifax in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
I had a leak in my roof and needed extra cash fast. So I took out a loan from Rise on XXXX for a XXXX for 7 months at XXXX a month I took a beating on the interest but I needed the money. The last pay was gon na be XXXX but I've had trouble with my account so I ask could they take it out on the XXXX they said yes everything is set. I called on XXXX and told them my money was in there now and if they wanted to take it on the XXXX they could or wait til the XXXX. They said they would take it on the XXXX they didn't, they didn't on the XXXX so I called them and they say I got to send another authorisation for ach withdrawal because for some reason they can't do it without it. Trouble is now they say they can't withdraw the money til XXXX Now which includes late fees and interest which is no fault of my own. My bank said they have no reason to not be able to get the money. I'm trying to keep my credit going up and 100 % on time payments. Don't know what to do. Please can u help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: LA

Complaint narrative:
IT HAS BEEN OVER 30 DAYS WITHOUT ANY RESPONSE OR RESULTS! 
EQUIFAX is reporting TWO unauthorized hard inquiries to my credit report. I DEMAND to see SIGNED documents, privacy notices or credit applications with MY signature on them giving this company permission to access my credit file or DELETE from my equifax report NOW!!! *PLEASE REMOVE THE FOLLOWING HARD INQUIRES* 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/2018 Under what circumstances did I give this bank to access my credit report? PROVIDE ME WITH SIGNED AUTHORIZATION OR PROMPTLY DELETE THESE INQUIRIES OFF MY EQUIFAX FILE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I fell on hard times due to my mom being sick and I couldn't pay the loan. These people had a debt collecter call me on XX/XX/19 asking if I could pay XXXX of the loan when the loan is only XXXX. I told the debt collector that I could not pay XXXX and whatever solution they offered I couldn't pay today at all. The debt collector told me in a harsh tone that he could tell by the way that I was talking that I wouldn't pay at all and that I waived my rights and he hung up without even letting me speak. He also asked about my cousin and I asked him what did he want know about her for, because she has nothing to do with any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have not had a credit card for 20 yrs with Capital One. The one I had then I filed bankruptcy on because of their collection practices and late fees and over the limit fees. I was granted that in XXXX. They claim I have opened an account on XX/XX/XXXX ( 2 yrs, 4 mos ago ). The balance showing on my credit report is {$390.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX. Original company CAPITAL ONE N A. I have called XXXX XXXX Seversal times. The last time the women said there were 2 pmts made. She said NO ONE COMMITS FRAUD AND MAKES PAYMENTS. Then she laughed. Today I got a letter in the mail giving me 30 days to dispute this letter. I am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I requested USAA XXXX a cashiers/official check to a realtor for a rental agreement. The funds in excess of {$2000.00} were immediately withdrawn from my account and the check was sent to the realtor. When the realtor attempted to deposit the check 14 days later, the check bounced at their local bank. I have spoken to USAA multiple times without resolution and they have not refunded the funds to my checking account. USAA confirmed that they issued the check and canceled the check the next day without any reason or explanation. Still no refund.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation