vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 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: RateGenius Loan Services Inc
State: PA

Complaint narrative:
I purchased a new XXXX XXXX through an XXXX dealership on XX/XX/XXXX. The vehicle was financed through XXXX XXXX XXXX at a higher interest rate than I would have preferred but due to the rebate ( {$1000.00} ), the financing had to be with them. However, the condition of the loan permitted refinancing after 90 days. On XX/XX/XXXX, I received a pre-approved loan offer from a XXXX   and rateGenius to refinance my vehicle from 5.56 % to 2.247 %. I immediately submitted a loan application to refinance the loan on the vehicle. The loan was quickly approved. I provided them with the documentation which they required to the loan process. Suddenly, there was a 1 % increase in the interest rate which was still a reduction when compared to the existing auto loan. I consented. I had to have documents notarized, insurance verification submitted, along with a checklist of additional items. Finally, I was told to submit ( 2 ) years of Federal Tax Returns. I found this to be questionable because this has never been a requirement during the 40 years in which I've purchased new vehicles. When I questioned the reasoning for requesting my tax returns, I was told it was not necessary but they wanted me to consent to yet another credit report. I objected because this would have been the 2nd obtained by them, and, added to the one originally obtained by XXXX XXXX XXXX, there would have been a total of three ( 3 ) credit reports secured by lenders within a six ( 6 ) month period. Invariably, this action would have had an adverse effect on my credit and resulted in reducing my  credit score. I then wrote to both the President and CEO of XXXX and to rateGenius to express my displeasure with their lending policy. Following my correspondence to XXXX, I was sent a letter from rateGenius stating that they were unable to find a lender that could provide a lower rate and therefore my loan request could not be granted. They went on to say, " This may not be due to your credit rating ; in fact, it may be that you already had a good interest rate and we could not find a lower rate. '' They stated that my credit score is " XXXX. '' Additionally, they list four ( 4 ) factors which adversely affected my credit score. All four ( 4 ) factors are false and a total fabrication of the truth. I have since written again to them along with XXXX to contest and appeal the rejection letter and the adverse factors which effects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Dear honorable Cfpb good morning as much as possible I dont want to used my excuses that Im a XXXX XXXX home owners due to my passed XXXX XXXX XXXX with XXXX XXXX XXXX XXXX to my XXXX, Ive been with TRIAD FINANANCIAL since XX/XX/XXXX and never been late my payment, I changed my XXXX XXXX XXXX checking account last XX/XX/XXXX and have a new checking on line I always do an on line payment through this mortgage, last XX/XX/XXXX I enter my on line payment in XXXX XXXX XXXX  to my checking and it went through, I left the country last XX/XX/XXXX, when I came back last XX/XX/XXXX, I received a letter saying Im late in my mortgages, and what questioned me is if theres is a problem to my payment they should call me because Im still here in America, I spoke to the supervisor XXXX XXXX XXXX XXXX XXXX and he is very rude and discriminated me, because Im XXXX he told me called an attorney and hang up on me what I told him is if I could not pay the delay fee and its {$1500.00} and he never give me chance to talk and told me to hire a lawyer because he will report me to credit bureauw threaten me And my XXXX XXXX XXXX XXXX because I had a XXXX where I got it from my travel I hope that he will be investigated he threatens me like an animals and never late in my payment I recorded my conversation with him

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I had purchased a XXXX van from XXXX Nissan of XXXX. The car was priced at {$16000.00} plus taxes and fees. And I had a down payment of {$5000.00}. The car total came up to {$19000.00} including 7.94 %. But when I received my first month payment I realized they bumped my loan to {$29000.00}. Its clear that instead of taking my {$5000.00} deposit off they actually added it as an extra. I have been going to dealer to fix it however I keep getting thrown out and being yelled at. They think because I am XXXX and I dont speak English well they threatened me with reporting me to INS. I need this problem to be rectified. 
I have attached the car purchase price and also the finance contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: IN

Complaint narrative:
Equifax is in contempt and violation of my consumer right by reporting a fraudulent inquires on my credit report. Below are the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX i need all these fraudulent inquiry removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: AR Resources, Inc.
State: GA

Complaint narrative:
Received notice on my credit report that a new collection account was reported. After looking into it I did not recognize the account. The credit report stated that the account had been opened XX/XX/XXXX, yet upon further discussion with the collection company, this account originated in XXXX. It was erroneously re-aged and reported to the credit bureau as being opened in XX/XX/XXXX. They stated that they sent out a letter to an address that I have never heard of, so I had no knowledge of any of this happening until it was already on my credit report. They did not verify anything before placing the collection account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
There are two Chase Credit Cards showing up on my credit report. Ive reached out in writing multiple times asking them to remove their Trandlines from my credit reports. Unfortunately they chose not to answer my questions. If they answered the questions submitted, it would do a couple things. One, prove they loaned money from their own funds, which it would give them the right to collect on. Two, it  would prove that in the process of loaning, they followed the Truth and Lending Act when making a loan. They chose to ignore my questions and not take their Tradeline names off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Marcus by Goldman Sachs are verifying my identity with a vendor who uses public and private information. They are declining me when verifying my identity. They are REFUSING to disclose which agency or contact they are using and are refusing to take other efforts to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
NELSON AND KENNARD should be fined for their illegal practices .... I initially contacted them last year asking to validate the judgment from them for XXXX   XXXX. First of all I was never served properly I had no idea about this complaint. I wish to fight the entry of a default judgment obtained based on lack of notice. service of the summons did not result in actual notice in time to defend the lawsuit, the entry of default was the result of " mistake, inadvertance, suprise or excusable neglect ''. I reached out to XXXX XXXX the original creditor who stated they do NOT have any pending dues from me there was no debts to them from me. I served this notice to Nelson and Kennard who ignored the letter and now went through with judgement and garnished my bank account where I receive my social security income. I contacted Nelson and Kennard to inform them that my income is except from garnishment and that XXXX XXXX stated in writing that I do not owe them anything .... they AGAIN ignored my request and now froze my accounts. I contacted DAs offices and now preparing my complaint to them will file this week if this is not resolved and lien this false judgement is not released ... 
NELSON AND KENNARD also issued a false statement to XXXX XXXX in their attemps to renew this debt stating that " LAST PAYMENT WAS RECEIVED ON XX/XX/2017 '' IT IS A LIE, FALSE AND FRAUD. I never made a payment to them this should not be ignored ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Centron Services
State: MT

Complaint narrative:
There is nearly {$9000.00} in medical debt from XXXX XXXX hospital collected against me. When I call the hospital they have no records that show I owe anything. I have tried disputing these and they continue to keep these wrong collections up. They dont respond or show me any evidence as to why they wont remove them. 

On XX/XX/XXXX centron services opened an account of {$86.00} on me and I didnt even live in the state at this time. 

XX/XX/XXXX centron services opened {$110.00} on me. Again I didnt live in the state during XXXX. 

On XX/XX/XXXX centron services inc opened {$190.00} falsely on my report. 

XX/XX/XXXX centron services inc opened {$360.00} on me and this is incorrect. 

XX/XX/XXXX centron services added {$640.00} to my credit and this is false information. 

XX/XX/XXXX centron services opened {$740.00} to my account. This is not correct. 

XX/XX/XXXX centron services opened {$1500.00} to my account. This is incorrect. 

Lastly, Im on XX/XX/XXXX centron services opened another account of {$3600.00} to my credit report. This is incorrect and I dont know where this high balance came from. 

They are illegally holding information from me and not telling me why they arent removing these marks that are false and have impacted my credit horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I purchased a new home using Lakeview Loan Servicing company. I made monthly payments of {$1800.00} plus additional principal payments. On XX/XX/XXXX, the day of my third child 's birth, i found i was locked out of managing my account. XXXX downloaded multiple " misapplication reversals '' and an " escrow advance '' transaction. As I can not login to the account I can not see what caused this. I contacted the company via phone and was informed the account was 5 months delinquent and the online account had been locked to prompt me to call in. Representative XXXX informed me that " they '' were actively working on the account and not to worry as the " lack of payment '' error had not effected my credit. She stated the accounts were not properly moved from a " holding '' account to the disbursement account. She did not know when service would be restored so i can re-enter the account and see what is happening. Today is XX/XX/XXXX, six days after i noticed the error.

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 2019-03-25 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: NY

Complaint narrative:
Identity theft

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 2019-03-25 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: BlueChip Financial
State: NC

Complaint narrative:
According to NC Commissioner of Banks, Spotloan is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: GA

Complaint narrative:
The following account information is incorrect reporting that I was late on the following accounts : XXXX/XXXX : I was never 30 days late ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX XXXX XXXX   : I was never 30 days late ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX  and XXXX ) I was never 60 days late ; incorrect late information is reporting on ( XXXX and XXXX  ) ; XXXX XXXX : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX ) ; XXXX/XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( XXXX, and XXXX ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: GA

Complaint narrative:
The following account information is incorrect reporting that I was late on the following accounts : XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX, XXXX, and Experian XXXX XXXX  : I was never 30 days late ; incorrect late information is reporting on ( XXXX, XXXX, and Experian XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX and Experian ) I was never 60 days late ; incorrect late information is reporting on ( XXXX  and Experian XXXX ; XXXX 's : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( XXXX, XXXX, and Experian ) ; XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( XXXX, and Experian ) ;

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 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX should be fined for their illegal practices .... I initially contacted them last year asking to validate the judgment from them for capital one. First of all I was never served properly I had no idea about this complaint. I wish to fight the entry of a default judgment obtained based on lack of notice. service of the summons did not result in actual notice in time to defend the lawsuit, the entry of default was the result of " mistake, inadvertance, suprise or excusable neglect ''. I reached out to capital one the original creditor who stated they do NOT have any pending dues from me there was no debts to them from me. I served this notice to XXXX XXXX XXXX who ignored the letter and now went through with judgement and garnished my bank account where I receive my social security income. I contacted XXXX XXXX XXXX to inform them that my income is except from garnishment and that capital one stated in writing that I do not owe them anything .... they AGAIN ignored my request and now froze my accounts. I contacted DAs offices and now preparing my complaint to them will file this week if this is not resolved and lien this false judgement is not released ... 
XXXX XXXX XXXX also issued a false statement to Capital one in their attemps to renew this debt stating that " LAST PAYMENT WAS RECEIVED ON XX/XX/2017 '' IT IS A LIE, FALSE AND FRAUD. I never made a payment to them this should not be ignored ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I made $ 1,700+ in purchases during the XXXX billing period with my XXXX XXXX XXXX from Synchrony Bank . When the 5 % back was not awarded for the purchases, I reached out to customer service in XXXX. The customer service representative reassured me that they rewards would be available by the next billing period. By the time I received my next statement the rewards were still not on the account. I reached out to a customer service representative, and they assured me that it sometimes takes 2 billing cycles for the rewards to be reflected on the account. I waited for the next statement to be generated, which also did not include the rewards for XXXX purchases. I then reached out to another customer service representative who apologized for the rewards not being on the account, and assured me, once again, that they would be on the following statement. 
This morning I received a notification from my checking account that Synchrony bank charged me twice for my statement amount. Once for the statement amount that I paid last week, and another for the same amount that was presumably a result of the recurring payment feature failing to function properly, as it should've been reduced by my early payment. This caused me to call Synchrony Credit where they have advised that they have issued a check for the extra payment, but also led to my question on the rewards on the account. After being passed around to multiple customer service representatives, I was finally advised that a purchase I made in XXXX  for {$1300.00} was not eligible for 5 % cash back by an account manager. The account manager was unable to let me know why that purchase was not eligible, despite the card being an XXXX XXXX card, limited to only be used on XXXX. The customer service representative was also unable to advise what other vendors they exclude on XXXX XXXX website. Without any information on what purchases Synchrony Credit may withhold rewards for, the misleading customer service, and an extra payment charged to my checking account, I decided to cancel the account this morning. Other Synchrony Bank clients should be on the lookout to make sure they are getting the rewards that they signed up for.

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 2019-03-25 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: Credit Protection Association, L.P.
State: LA

Complaint narrative:
I check my credit monitoring service on XX/XX/2019 and found a negative collections account for a XXXX XXXX bill. That I never had open or authorized to be opened. I have been living in the same property for years and have my internet cable services at this present time. That service was not my service or 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 explanation