vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 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: CA

Complaint narrative:
We purchased a yacht in XXXX with a loan of {$150000.00} with a total purchase price of {$210000.00} The loan originated through XXXX and was serviced for many years then became XXXX XXXX XXXX. 
In XXXX Santander Consumer Lending became the new loan service company. 

It was a 20 year loan that would be paid off in XXXX We paid the loan off early in XX/XX/XXXX in Full Santander shows on two of my credit reports showing the loan paid in full and a charge off. On the XXXX  report they have two reporting, one report shows the payment that paid it off on XX/XX/XXXX The second Separate reporting shows the loan had payments made during the months of XXXX, XXXX, XXXX, XXXX, XX/XX/XXXXand showing it as a charge off account in XX/XX/XXXX XXXX  told me that they would delete the account that shows the payments and leave the reporting that shows the account as a Charge off. 

Santander Consumer USA phone is ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Our loan number was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 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: U.S. BANCORP
State: GA

Complaint narrative:
Elan Financial Services did a hard credit inquiry on my credit WITHOUT my permission.

The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. 
In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. 
In the letter, you also have to state your gross income, and monthly rent amount. 
The instructions on the letter did not say they would have to do a HARD credit check. 
This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. 
Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card.

I already wrote to Elan Financial and they replied back. I also submitted a dispute to XXXX  credit bureau. 
The date this hard credit inquiry occurred XX/XX/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 2020-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: STERLING BANCORP
State: MD

Complaint narrative:
In XX/XX/XXXX, I refinanced my mortgage and home equity line of credit that had been held with Sterling National Bank in New York ( formerly Astoria Bank ). The refinance was performed by XXXX XXXX XXXX. Sterling/Astoria sent me a copy of the release for the first mortgage but not the HELOC. Subsequently, the title company handling the sale of my house discovered last Thursday, XX/XX/XXXX, that the XXXX XXXX county deed office did not have a release for the HELOC. The title company has informed me that it needs either a copy of the release or a letter from Sterling/Astoria stating that the HELOC has been paid in full. I have provided the title company with the signed closing disclosure and the title report indicating that XXXX XXXX paid Sterling/Astoria. However, these documents are apparently insufficient. 

I have attempted to contact Sterlings consumer lending department at least 8 times since last Thursday and have been given the runaround. I have been given or transferred to numbers with no answer, left on hold for upwards of 20 minutes with no response, instantly disconnected when I select the option to speak to the operator, or referred to people who can not help me. I have left two voicemails and sent one email with no responses. The XX/XX/XXXX closing on the sale of my home is now in jeopardy. It should be an easy practice for Sterling to issue the release and the bank was required to do so by XX/XX/XXXX. However I can not reach anyone to simply make the request. 

I am asking for Sterling to issue the release or paid in full letter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am a father of XXXX kids and have experienced credit card fraud on my identity. This has really hurt my credit score and is effecting my life and my kids life. I should not have to deal with a debt that is not mine. Please help me fix this especially during this time with even more financial struggles because of the Coronavirus/ COVID-19

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello Firstly, we ( XXXX and XXXX XXXX ) have been in negotiations so refinance our rental property XXXX XXXX XXXX XXXX, XXXX CA XXXX with Chase. 

They sent us documents for the wrong property and included our daughter XXXX XXXX as a co signed. 
This was never authorized or discussed. 

Currently we signed and agreed to submitted paper work two weeks ago and kept our copies.

Now we have received the loan agreement in the mail today and the interest rate has changed from what was originally signed. 
Chase has denied no negligence and XXXX XXXX has been inconsistent and hard to reach for each problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a CitiBank AA Credit Card in XXXX, and kept my account unused when I was notified that my account was closed. This year ( in XXXX ) I was served a notice to court to either appear for or pay past due balance of {$2300.00} from XXXX XXXX XXXX, XXXX ( a bill collecting attorneys office ). When I contacted CitiBank about the issue and the fact that had no idea about the charges to my account and therefore had no knowledge to take actions against the apparent fraud against my account I was told that there was nothing they could do because they had sold the account already. When I got in contact with the dept collector, they told me that there was nothing they could do but settle for an amount that was more than {$1400.00}.

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 2020-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had an auto loan through JP Morgan Chase that was paid off XX/XX/XXXX of 2020 ; however, I forgot to stop automatic payments from drafting from my checking account at XXXX XXXX XXXX XXXX. I had an automatic car payment of {$470.00} drafted from my XXXX XXXX checking account on XX/XX/2020. I called and spoke to a representative at JP Morgan Chase on XX/XX/2020 who informed me that they denied the payment on XX/XX/2020 and the money would be returned into my checking account within 10 business days of the rejected payment. On XX/XX/2020 which was 10 business days since the rejected payment, I called JP Morgan Chase. The representative I spoke with informed me that the issue was now with our bank and there was nothing further they could do. I spoke to my bank that same day and they informed me there was nothing they were able to do, the money was out of my account and they had no control over it anymore and so it was in fact still an issue with JP Morgan Chase. I spoke with a representative on XX/XX/2020 from JP Morgan Chase and was informed I needed to submit proof of the money being drafted out of the XXXX XXXX checking account to their secure message center. I did and was told it would be 10 business days before the money was returned. It has now been more than 10 business days since I was told the payment was rejected by JP Morgan Chase and the money was drafted from our XXXX XXXX checking account. I have attempted to contact someone who is able to help from JP Morgan Chase and have had an incredibly difficult time finding a representative who is able to do anything other than transfer me to a different department. I have had me call disconnected or unanswered several times after spending 40+ minutes on hold. I would like to know where exactly my {$470.00} is and what I need to do in order to have it returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: MI

Complaint narrative:
My Complaint is Against All the Companies Listed XXXX XXXX, TransUnion, XXXX and XXXX  are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent XXXX, TransUnion, XXXX  and XXXX  copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.

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 2020-03-23 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: MI

Complaint narrative:
My Complaint is Against All the Companies Listed XXXX XXXX, XXXX, XXXX  and Experian are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent XXXX, XXXX, XXXX  and Experian copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.

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 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tsarouhis Law Group, LLC
State: NJ

Complaint narrative:
I was sick with XXXX XXXX XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 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: UT

Complaint narrative:
Trans union has 2 bankruptcy showing on my report I have disputed them 5 times they keep sending me the information is verified as accurate and investigated is closed I reached out to the bankruptcy court and they provided documentation that proves the reporting is incorrect they also stated that nobody for trans union has reached out to them to verify Accuracy I have sent them this certified mail and provided clear proof I keep getting denied my home loan due to this bankruptcy reporting now I want answers and hold someone accountable I have been patient and followed there protocol and cant seem to get anyone to do there job I cant provide proof of deliver of items sent to them showing this is wrong information reporting need this address ASAP I am willing to do whatever it takes now

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 2020-03-23 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: MI

Complaint narrative:
My Complaint is Against All the Companies Listed XXXX XXXX, XXXX, Equifax and XXXX  are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent XXXX, XXXX, Equifax and XXXX  copies of information from the Bankruptcy XXXX that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since XXXX and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate. 

Dates and File # : XXXX  File # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  Report # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Consumer  # XXXX & Case # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Equifax Reference # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Ive tried to modify my mortgage and pleaded with this mortgage Company to modify they refused to work with me but tried to foreclose on me when I paid my modification process

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Seeking to inquire about lower interest rates, on XX/XX/2020 I called LoanDepot to provide me with an estimate to refinance. I provided the broker, XXXX XXXX ( Licensed Lending Officer NMLS # : XXXX ( XXXX ) XXXX XXXX ) with my current credit score and the basic information he asked for.

I asked him NOT to complete a formal application and to definately not pull my credit score. I asked that he provide me with an estimate ONLY.

I called back hours later, as promised, and he quoted me a rate. I told him that rate was unacceptable.

Days passed and I received an email to sign loan documents from LoanDepot. I called to file a complaint. Another LoanDepot representative took my information and promised to call me back within a week. This was two weeks ago. 
This mortgage broker violated his promise not to submit an application and to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: GA

Complaint narrative:
XXXX XXXX XXXX did a hard credit inquiry on my credit WITHOUT my permission. 
The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. 
In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. 
In the letter, you also have to state your gross income, and monthly rent amount. 
The instructions on the letter did not say they would have to do a HARD credit check. 
This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. 
Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card. 
I already wrote to XXXX XXXX and they replied back. I also submitted a dispute to XXXX  credit bureau. 
The date this hard credit inquiry occurred XX/XX/2020 2020

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 2020-03-23 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: GA

Complaint narrative:
XXXX XXXX XXXX did a hard credit inquiry on my credit WITHOUT my permission. 
The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. 
In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. 
In the letter, you also have to state your gross income, and monthly rent amount. 
The instructions on the letter did not say they would have to do a HARD credit check. 
This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. 
Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card. 
I already wrote to XXXX XXXX and they replied back. I also submitted a dispute to XXXX  credit bureau. 
The date this hard credit inquiry occurred XX/XX/2020 2020

Company response to consumer: Closed with explanation