vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 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: MOHELA
State: FL

Complaint narrative:
XXXX XXXX, XXXX closed in XX/XX/XXXX and my loans were transferred to Mohela. XXXX incorrectly reported my loans as delinquent for 90 days. These show twice on my credit report with all 3 agencies. XXXX  is reporting delinquent XXXX-XXXX. XXXX is reporting my payments late XXXX-XXXX and states the date last paid was XX/XX/XXXX which is incorrect. XXXX  is showing my loans late XXXX-XXXX which is also incorrect. I am attaching proof of my payment record : XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}. As soon as my loan transferred to Mohela, I made all my payments on time until I paid off the two loans in XXXX. 

I called XXXX in XX/XX/XXXX and they refused to give me my payment history and told me to contact Mohela. I kept getting the run around with them and spent hours on the phone before giving up. I did contact Mohela and they said they could do nothing because they were not reporting as late. 

I recently pulled my credit report and I noticed that XXXX is still reporting me as 90 days late, this shows twice on all 3 credit reports and is majorly impacting my ability to approved for a mortgage. 

I tried to call XXXX but since they are shut down, I called Mohela and spoke to a supervisor on XX/XX/XXXX and they said they could not help me because they were not reporting me as late. The supervisor suggested I submit a complaint though CFPB. 

During the transfer of my loan, my payment history and payment status was incorrectly reported. I made a payment on XX/XX/XXXX to XXXX and that got sent to Mohela so I was not late in XX/XX/XXXX either. 

After a lot of hard work, I successfully paid off all my federal loans with monthly payments between XXXX-XXXX. I never had a late payment with any of my servicers as shown with the 9 student loan accounts on my credit report. This is impacting my life and ability to finance a house and car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/ 2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: DISCOVER BANK
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: CA

Complaint narrative:
When I leased my vehicle I was told it would be good to buy a service plan as in the long run you don't have to worry about paying for it later and it is more cost effective. I paid for the all inclusive plan and it would be included in my payments. I later found out that my first ever service is free which is standard for an XXXX ... so why would I pre pay for two more services which in a long run would cost me more money. 
I called XXXX XXXX in CA and they assured me a pro rated refund ... I have yet to see the money applied to my principal balance. Last week I called XXXX XXXX XXXX and they promised to resolve the issue and they have not ... XXXX XXXX account # is XXXX ... 


The day I bought my car I was told as my credit score may have not been up to par my rate was higher ; and when I asked what does it need to be I got a vague answer ... When you comeback in a few years to lease another car and your score is better you will have a better and lower payment. I feel I was steered.. I need help in getting XXXX to comply please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Westlake Services, LLC
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 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: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disappointed to say that TransUnion has failed to respond to my recent dispute that was delivered on XX/XX/2019 via certified mail. it is now XX/XX/2019. I have disputed 3 accounts on my credit report and noticed that i have yet to receive the results or my updated credit report. I have went to the TransUnion dispute center on XX/XX/2019 at approximately XXXX on the website and noticed that nothing was there under my account/name. I have requested that i be informed how they have verified the disputed accounts and on both occasions ( 2 dispute letters, this company has failed ). Since these accounts have not been verified/validated within the 30 days allowed to postmark a response, I strongly request that the items be deleted. I have been denied credit line increases on multiple accounts. i have also been denied a home loan due to the negative accounts that have yet to be validated listed on my current credit report.

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 2019-03-15 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: Southern Auto Finance Co
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of Identity theft back in XX/XX/XXXX. Someone opened an account fraudulently in my name from the company " XXXX XXXX  '' which reported to my Equifax Credit Report. I have disputed it off of my XXXX and XXXX Credit Reports, which the account was block after the first attempt. I have been constantly disputing this account with Equifax, which it finally did fall of XX/XX/XXXX, but reappeared on my credit report in XX/XX/XXXX. Now, I have disputed this account at least over 10-15 times with Equifax, but this account keeps coming back verified by the company. Therefore, I am filing a complaint with XXXX XXXX  because they are not taking my complaint of Identity-Theft serious and I am filing a complaint with Equifax because they are violating FCRA and I feel like some actions need to take place due to me being a victim of identity theft, which resulted in a fraudulent account being opened up in my name. I have submitted a police report, an Identity-Theft Affidavit, and proof of my identification numerous of times, but this fraudulent account still remains on my Equifax Credit Report as of XX/XX/XXXX, which should not be on there. My next steps is taking Equifax to court if they keep violating FCRA ( The Fair Credit Reporting Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/ 2019 and I noticed many unauthorized hard inquiries had been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

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 2019-03-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My husband banks at US AAbecause hes a veteran I started my bank account in XX/XX/XXXX when I XXXX and XXXX XXXX it was just my account. 

XX/XX/XXXX I was put in iXXXX for no reason I was never mirandize read my rights while I was away my father in-law got put on our accounts. 

My income tax got taken and disappeared. I have pictures of the totals not matching up and lately have caught them re-coding debts to steal money. 

They dont even treat me like Im a customer when I call they just leave me on hold I have to complain over and over again about charges I did not make on my account I had to XXXX them basically to take my father-in-law off my account saying I never authorized it and I didnt care. 

We are pretty sure that our in-laws came to steal from us but the bank let it happen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been trying for months to remove a 10-year-old account from XXXX XXXX. This was for a department store credit card that was closed over 10 years ago and paid in full. I went out of the country and when I returned, XXXX XXXX was showing an amount for {$100.00}, with fees totaling {$260.00}. 

XXXX XXXX is incorrectly reporting the account and I can not reach anyone. I have spent entire days on the phone to no avail. They never conduct any investigation and XXXX and XXXX refuse to remove it. 

When I speak to someone at XXXX XXXX XXXX XXXX, they forward me to XXXX  XXXX XXXX XXXX. When I reach someone and XXXX XXXX XXXX XXXX, they forward me to Citibank NA, who they say underwrote the closed credit card account. 

Between the 3 entities, none take responsibility for timely investigating this matter and they all refuse to remove it, along with XXXX  and 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 2019-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The JCPenney credit card does not apply payments appropriately when there is a promotional balance. 

I made a large purchase on my card under an 18 month promotional payment, followed by a non-promotional purchase. With other such cards, payments beyond the minimum are allocated to the highest-interest balance ( which is, of course, the non-promotional balance ). 

As soon as my non-promotional balance posted, I paid that amount ( above the minimum ) to make sure I would not get an interest charge. To my shock, the payment was allocated to the deferred interest balance rather than the non-promotional purchase. I called up and this was corrected, and was informed that in the future the only way to pay the non-promotional balance is to call in. I do not believe this allocation is even allowed under the CARD act ( as the non-promotional balance currently charges higher interest ), although the representative insisted it was. 

Therefore, when I made another non-promotional purchase a month later, I called in to make a payment as soon as it posted. I clearly stated multiple times that I wanted this applied to standard, non-promotional, balance and that was the reason I was calling into make a payment. I was reassured multiple times that she was applying the payment this way, but when the payment was posted, they applied it to the deferred-interest promotional balance! I had to call in yet again to get it fixed. The representative admitted they applied it to the promotional balance and claimed to have fixed it. I do not know yet if it was fixed. 

In summary, the representatives at Synchrony make it next to impossible to pay a non-promotional balance before interest is charged, and their representatives lie to consumers who actually do make the effort to attempt to call in to have their payments applied appropriately. I sincerely hope that the CFPB will take action to stop these deceptive practices.

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 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a debt collection for a credit card that I never applied for. I have never utilize this charge account what so ever. I have reason to believe someone may have obtained my information to open this account without my consent. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: FL

Complaint narrative:
I requested the fraudulent, XXXX XXXX XXXX, XXXX be removed due to identity theft from Equifax report. 

XX/XX/XXXX Re : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # XXXX To whom it may concern : I previously notified you that I am victim of identity theft. 
I learned that my personal information was used to open various accounts, XXXX XXXX XXXX, XXXX I did not open nor authorize, nor did I receive any benefits from the fraudulent account. 
I request that the fraudulent account be permanently blocked and remove from my credit report. 
I have previously filed an FTC and a CFPB identity theft reports disputing the inaccurate information, that you are reporting as a result of identity theft XXXX and XXXX have removed the fraudulent items but you have not I repeat, that the fraudulent items be permanently blocked and removed, and that i receive an updated credit report without the fraudulent item on it. 

Further more I have reviewed the fair credit reporting act, 15 U.S.C. ~1681s-2 ( a ) ( 1 ) ( B ) .as well as 623 ( a ) ( 1 ) ( B ) Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: AZ

Complaint narrative:
I have a debt collection reporting on my credit for services that I did not use. Based on the remarks on my credit, the debt originated from cash advance company which I've never used. This information appears to be frivolous as well as inaccurate.

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 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NV

Complaint narrative:
My XXXX deposit of {$1200.00} was received by US Bank on XX/XX/XXXX from the US Treasury. I have attached the letter confirming the deposit from the US Treasury. The funds were not showing as a deposit until XX/XX/XXXX by US Bank. I was told by US Bank on XX/XX/XXXX that my account was CLOSED and therefore the funds would not be deposited to a CLOSED account. At that time on XX/XX/XXXX, I called Social Security to change my direct deposits to go to another account outside of US Bank since the account showed a CLOSED status. Social Security confirmed that due to the deposit going to a CLOSED account, the {$1200.00} would bounce back to the US Treasury, and after the US Treasury received the funds back from US Bank, the XXXX Treasury would reissue the {$1200.00} to my new direct deposit account. 
I have made over 6 attempts to get my {$1200.00} from US Bank, where each and every time, I have been told, Theres nothing we can do until you receive a cashiers check from Minnesota due to the closure of your account. The cashiers check is in the mail and you just have to wait for the mail to come. I have been to the bank as well as called the bank to let them know that there has not been any checks in my mail! I continue to get the response Theres nothing we can do to give you your money! 
I can not wait any longer! I have bills and rent to pay and I depend on my XXXX to pay them every month. I am XXXX and that is my livelihood. Please help me and ask US Bank to give me my money and stop patronizing me by saying The check is in the mail! I received 3 different dates as to when US Bank in Minnesota issued and mailed the check last week. 
Are banks allowed to hold Social Security funds the way they are after closing an account on a consumer? Especially a XXXX consumer? 
I can not wait any longer due to the fact that I have received an eviction notice and my car payment is now late as well. 
Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation