vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have had my auto loan with GM Financial for 3 years - XXXX  XXXX XXXX ( acct # XXXX ). At the time of purchase from the dealer they set up the loan through GM Financial with auto pay. Every month they would pull the payment directly from my bank account, no problem, until recently when I received a past due collections notice. Apparently for no reason the auto pay was removed from my account with no prior notification to me. I have spent the last 2 days trying to get assistance from GM to resolve this issue. I spoke with XXXX, XXXX, XXXX, XXXX and eventually XXXX, who was the only one who took the time to assist me. 

I have been in the XXXX  XXXX  for over 30+ years in XXXX and XXXX XXXX XXXX. I have never received such horrible service. When you set up a loan on auto payment it should be for the life of the loan or when the customer submits a request to discontinue. It should not be arbitrarily removed by the financial institution. 

I have worked very hard to repair my credit after losing my job during the financial crisis. I will not pay any late fees, nor do I want this past due payment reported to the credit bureaus. 

Your assistance with this complaint is needed and appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal- negative {$7700.00} XX/XX/2020 Transfer Loading transaction details for PayPal- negative {$7700.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7700.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX  XXXX {$480.00} XXXX  XXXX {$1300.00} XXXX XXXX {$760.00} XXXX {$220.00} XXXX  XXXX {$1000.00}

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 2020-06-17 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX  XXXX {$480.00} XXXX  XXXX {$1300.00} XXXX XXXX {$760.00} XXXX {$220.00} XXXX XXXX {$1000.00}

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 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery continues to contact me after repeated requests to cease and desist all communication. This is a out of 12 year old debt but they continue to harrass me on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 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: CA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed. USDDEPTOFEDXXXX XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2020 I had realized that there was a tremendous amount of funds that were withdrawn from my account at bank of America. I had reached out to the bank and explained that it was fraud and I didn't authorize this transfer. I had disputed the transaction and the denied my request and they told me to file a police report and reported it to the Identity theft.gov and they sent out letters to the company explaining my situation with the identity theft that had occurred and to erase the traces of the fraud and to reimburse for the amount that was taken from my account but the company didn't respond to the letters.

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 monetary relief
Consumer complaint received 2020-06-17 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:
Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX   XXXX on my Credit Report with XXXX, XXXX, and Transunion. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law. XXXX, XXXX, and Transunion are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? XXXX, XXXX, and Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore XXXX, XXXX, and Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to. XXXX, XXXX, and Transunion failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-06-17 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: NY

Complaint narrative:
Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX on my Credit Report with XXXX, Equifax, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law. XXXX, Equifax, and XXXX  are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? XXXX, Equifax, and XXXX   have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).  Furthermore XXXX, Equifax, and XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to. XXXX, Equifax, and XXXX  failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Because of COVID 19 I lost my job on XX/XX/2020 and I am looking for a new job that did not happen yet. I am behind for my payment with my American Express Credit Card, and Today XX/XX/2020 I received a call from XXXX from Amex, he was trying to collect the payment and I a explained my financial situation for him. And he said that Amex do not have any especial plan for my situation. I said that I had money just a little money to purchase food to my daughter and I, and I could pay {$5.00} only at this time and I will pay the right amount as soon as I get a job, that can be any day from now. He refused my payment and said that he ( AMEX ) will report my name to the Bureau. I said that AMEX is very greedy. 
Thank you for the lesson AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: IL

Complaint narrative:
reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: IL

Complaint narrative:
reporting inaccurate information

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 2020-06-17 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Fraudulent inquiry, illegal pull and use of credit report.XXXX  reported that XXXX/XXXX  pulled my credit back in XXXX. I did not apply for any credit with this company or give authorization to pull my credit. This was fraudulent activity which I promptly reported and requested deletion. To my surprise when I receive my credit report I see that XXXX/XXXX  inquiry and 3rd party information on my credit report. I want this fraudulent inquiry removed as well as supplemental 3rd party information removed. I also want to know how they got my SS # and information and where it come from. I want the written documentation it came from, digital files, or temples sources to file police reports and send to FTC. The email address the was previously provided is obviously not mine and a fake address. I demand all information related to this inquiry. I don't have accounts with XXXX which has already been verified and they where told to delete the fraudulent information off my report in a letter received. XXXX and XXXX/XXXX  should both be fined for there practices and fraudulent activity. Additional supporting documentation has been attached.

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 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
This issue started when Fay servicing failed to pay my property taxers on time and based on an earlier complaint ( complaint number XXXX ) and many phone calls they agreed that they were wrong in not making the payment on time and they accepted full responsibility for the late payments accured. Since then I did refinance the loan with XXXX XXXX but as you can see per attached they did use my money held in escrow to pay these fines. 
I requested numerous times for my money used to pay penalties that they caused but I never got a call back or a response back. 
The amount I need to refunded from them is total of : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
I disputed this account with Afni Inc. stating this is not my account and it was updated a valid on my credit reports. They did not provide any signed contract or anything else stating this account was mines. This company is in violation of the FCRA for verifying the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
I have had calls from Commonwealth Financial Systems going back 4 years for someone I dont know. 
Telling Commonwealth Financial Systems that I am not the person they are looking for does no good. 
Does anyone monitor these idiots or are they simply allowed to run amuck harassing whoever they please. 
This is absurd. 
Is there no oversight in your industry? 
I cant be expected to change my phone number just because these incompetents at Commonwealth Financial Services dont have the brains to get their contacts correct. 
I can not magically become this XXXX XXXX they claim owes them money from XXXX XXXX. 
I have parents in the mid XXXX and cant be expected to change my phone number to make this rogue company happy. 
Am I expected to take a XXXX  DNA test to prove I am not the one they are looking for? 
I am sick of their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My husband and I have been trying to streamline refinance since mid-XXXX. We finally received a denial letter on XX/XX/2020, which is much longer than the 30 day decision we are entitled to as consumers. ( The denial was due to poor credit performance with our lender ; however, weve never missed a payment. ) Also, during this time, we have been paying a mortgage that we were hoping to refinance. Thus, we have been losing money by paying the higher mortgage while we were engaging in this almost year long streamline refinancing process.

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 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had called Chase to report a lost/stolen credit card on XX/XX/XXXX as soon as I realized it went missing, unfortunately nobody got back to me until XX/XX/XXXX and by then there were 2 more transactions that were done on the account. Anyways Chase started their investigation after that and finally after almost 2 months of waiting they came back and said I was responsible for the transactions, even though I had reported the card lost/stolen and should not be liable for these transactions. The just sent me a letter without any documentation or anything as to why I should be liable for these transactions. This has never happened to me before and this is these second time its happening in the last 4 months, that Chase has denied my fraud claim ( s ) and is asking me to pay for purchases that I did not make. 
Here is the list XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX  XXXX  XX/XX/2020 XXXX XXXX XXXX   XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I submitted information in regards to a debt allegedly owed to SCA collections. I requested the information in which I am legally entitled to receive on XX/XX/XXXX. SCA indicated that I owed a debt from XXXX and place the account on all credit bureau reporting sites I received a response on XX/XX/XXXX. The letter attached indicated that the original creditor provided the information. However, the information was received on what appeared to be a typed word documentation and did not appear to be valid. The company indicated that I currently owe {$130.00}.

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 2020-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2020, I opened my checking and savings accounts and fulfilled all the requirements to receive their {$600.00} bonus ( {$300.00} for checking w/two {$500.00} direct deposits, {$200.00} for {$15000.00} deposited in savings until XX/XX/2020, and {$100.00} for both ) by XX/XX/2020. Generally, most banks will post the bonus as soon as possible but it is now XX/XX/2020. When I called to talk to a representative to ensure I had met the requirements and inquire on the date I'd receive my money, they said that it would be delayed until XX/XX/2020. They are breaking the contract we had both agreed to without any viable or legal reason. After being on hold for 25 minutes, I was finally able to speak to a representative that said the money should post on XX/XX/2020. Considering their track record and abrupt breaking of our agreement, I am filing this complaint to ensure they abide by the contract both parties agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed. USDDEPTOFEDXXXX XXXX {$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 2020-06-17 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: CA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed. USDDEPTOFEDXXXX XXXX {$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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX just put on my credit history that I own money to them. I was in a natural disaster at the time that I had them and couldn't paid for it due to the fact of the hurricane that hit our community. Now years later they have put me in collections, saying I haven't paid them. I talked to them when we had the the hurricane and they said I was food. This was when hurricane Matthew hit our community. I have tried to dispute it off my credit report and the company I.C. System ICN will not take it off my credit report. I need 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
Consumer complaint received 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Trying to set up an account with XXXX for my son and it's saying that PNC won't allow linking accounts.

Company response to consumer: Closed with explanation