vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-29 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that GM would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental GM said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
When viewing my credit report through CreditKarma, I noticed an inquiry from XXXX for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for XXXX XXXX. An online user referred me to this site to file a complaint, so that I may avoid running in circles with CreditKarma, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that XXXX would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental XXXX said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that XXXX would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental XXXX  said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that XXXX would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental XXXX  said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When viewing my credit report through XXXX, I noticed an inquiry from XXXX for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for XXXX XXXX. An online user referred me to this site to file a complaint, so that I may avoid running in circles with XXXX, Transunion, 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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
When viewing my credit report through XXXX, I noticed an inquiry from Syncb for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for care credit. An online user referred me to this site to file a complaint, so that I may avoid running in circles with XXXX, XXXX, and Syncb.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I had a 36 lease obligation with XXXX XXXX XXXX. I paid up the last few lease payments with a check of about {$3000.00} or so. Never 30 days late. I ended up owing some taxes which I was planning on paying towards next month bal. of {$1700.00}. I check my credit report today Hyundai reported me 30 days late. This is not fair credit reporting to a good paying customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I had a 36 lease obligation with XXXX XXXX XXXX. I paid up the last few lease payments with a check of about {$3000.00} or so. Never 30 days late. I ended up owing some taxes which I was planning on paying towards next month bal. of {$1700.00}. I check my credit report today XXXX reported me 30 days late. This is not fair credit reporting to a good paying customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I open a new acct with chase bank the terms of the debit card overdraft protection was not explain to me clearly ... when I call in XXXX the lady apologized and removed fees then again I had money in my acct when I made three charges they are telling me because the charges didnt post until the next day my avail funds I had cover other immediate charges so I was charge overdraft fees for charges that was posted the next day they charge me XXXX dollars fee each for transactions that didnt posted until the next day ... they are no help they were rude and no apology and they didnt explain to me still clearly how it works and I need those fees to be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was very happy to apply American Express XXXX XXXX card because I have been a XXXX Diamond member for years and I think I can fully utilize the benefit. I applied this card on the end of XXXX and tried to get the welcome bonus at the very beginning. However, I did have two product return because I was not satisfied with the product I purchased and it was also applied with the merchant 's terms and conditions without using any Amex benefit. 

Nevertheless, I got an email on XX/XX/XXXX that was one month by the deadline of getting my welcome bonus. The email shown that I violated or abused this reward program and I may forfeit some or all points. I made a call to inquire Amex customer agent and she said that she just can't see my bonus code which means that someone from reward program department removed it. 

I think that is quite unfair. I can accept that Amex forfeited some or all my points if I failed to meet the standard of spending {$4000.00} by XXXX. However, a loyal cardholder with nine-year membership who returned his products twice should not be treated that way. If the Amex terms and conditions show that product return is or may not be allowed during the welcome bonus period, that would be okay but they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
My student loans are currently being serviced by Pennsylvania Higher Education Assistance Agency. I have had multiple periods of " qualifying employment '' through the Public Service Loan Forgiveness program, but several periods have not been calculated correctly, resulting in fewer periods of qualifying payments. For example, they claim that information is missing from forms when it is not, or they claim that payment tracking can not start when I am still with the employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
The whole series of events transpired when we signed up to training with a company ( XXXX XXXX ) who subsequently been taken over by FTC for in appropriate operation of the business and we were mislead by XXXX when we signed up and made the necessary payments in to thinking we could get what was promised to use, which was a business model that was taught, mentored and created for us providing we paid for it. 

Unfortunately XXXX had lawsuit filed against it by the FTC and was taken over and shut down of all its assets and operations ( Please visit website following this link ) - XXXX XXXX XXXX We paid the following amount for each course : Home Business Summit ( XXXX XX/XX/XXXX XXXX {$490.00} By Debit Card XXXX XX/XX/XXXX ( By International Bank Transfer ) TIT/PLA Combo -  {$26000.00} The Home Business Summit XXXX - {$490.00} Inner Circle - Diamond Annual XXXX {$2300.00} Diamond Mastermind - {$30000.00} Sub Total - {$59000.00} XXXX XX/XX/XXXX ( By International Bank Transfer ) Accelerator Mentorship - {$24000.00} XXXX XX/XX/XXXX ( By International Bank Transfer ) Outstanding amount : Accelerator Mentorship 1 {$480.00} Total {$85000.00} We have asked FTC to ask XXXX XXXX to reimburse us and we have not had a response from any party involved with or associated with FTC or XXXX XXXX Our bank where we conducted the payment of funds via card and bank transfers say that they are not responsible with this there for can not accept out claim or follow it through. 

Our Contact details are : Mr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : 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 2018-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: FL

Complaint narrative:
This complaint is made against BB & T Bank in that the bank froze accounts belonging to [ Fiance Name ] to support their clearing of an out-of-state check made out to [ My Name ] and put into her account on XXXX. The bank put a 3 day hold on the check and cleared same on XXXX as a courtesy to the customer. The customer was trying to verify the check was a good one and relied on the bank to hold same until funds cleared to ensure its authenticity. The customer/consumer was not aware of what processes the bank used by which to release funds and did not ask for any special or courtesy accommodation in authenticating the check. 

Point 1 : According to the Federal Reserve Bank, a reasonable length of time for an in-state check to clear funds is determined to be 24 hours and at the most 72 hours ; Point 2 : According to the Federal Reserve Bank, a reasonable length of time for an out-of-state check to clear funds is determined to be at least 5-7 days and sometimes up to 10 ; Point 3 : Items 5 and 6 are usually those relied upon by a consumer making a deposit ; Please see attached COMPLAINT. I have all supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: TN

Complaint narrative:
On XX/XX/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Every time I cancel my " membership '' with Experian, they come up with false reports and claims. This time I canceled my membership on XXXX Within 3 days they " claim '' I have a debt to a company called " XXXX/XXXX '' that says the debt is from XX/XX/XXXX. I live out in the middle of nowhere and have NEVER had this cable company ( which is what it believe it is ) My only options out here are XXXX or XXXX. I have XXXX & have had them since XX/XX/XXXX when I moved here. PRIOR to that I had XXXX XXXX XXXX, BEFORE they merged with XXXX. My last monthly bill with them was paid XX/XX/XXXX for {$130.00}. When I try to " dispute it '' of course Experian comes up and says that option is not available to me. WHY? Because I refuse to pay for their crooked false reporting? 

This is the 2nd time I have canceled where Experian plays games with my credit report. The last time they dropped my score 50+ points when I paid off my mortgage in XXXX. They are the ONLY ones who play games with my credit score. NONE of the other agencies are reporting this " FAKE '' collections debt! 

I have worked very hard to keep my score up around the XXXX area  and just because I pointed out NOBODY uses Experian so why should I continue to pay them does NOT give them the right to post FAKE COLLECTIONS or DEBT to my account!

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 2018-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I re-submitted a complaint I am no longer contesting the account, I wanted the procedure used in determining their practices. 

They said they investigated. I am deeply disappointed in their practices. 

I am a former XXXX player with bouts of XXXX XXXX and XXXX with XXXX issues derived from years of dealing with XXXX  related issues. 

I get bouts of XXXX XXXX that can pop in to creates gaps of time. I do not recall accounts that this company stated that they had about me. I simply asked for the method used to determine if I had a bankruptcy along with the other items that was on my credit, because I did have an identity theft is situation. 

I can not guarantee that I didn't have the accounts that they stated is accurate so that is why I wrote the bankruptcy court and asked them did they release to any third parties like the credit bureaus if they released my name ... they said they did not release my name to any third parties, which has created some XXXX. 

I am going to speak with my XXXX  about this issue because I am in the XXXX lawsuit with the 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 2018-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.

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 2018-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased from XXXX XXXX XXXX a XXXX washer, dryer-dishwasher and upright vacuum total price {$3200.00} not including finance charges on my loan. Having not missed any payments on this loan since I purchased these appliances I have had my washer repaired twice for the same reason and my dish washer has broken down twice within a year this last time was on XX/XX/XXXX I have spoken with the service people who always make me wait at least a week or more to have someone come out and repair my appliances always for the same reasons, I have asked that they replace these defected appliances. They tell me they will only repair them or to call the manufacture, I should not have to pay for defected products that are suppose to be new. Please help me

Company response to consumer: Closed with explanation