vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/2019 I purchased a XXXX XXXX from XXXX XXXX of XXXX XXXX in Georgia. I walked in with a pre-approval from my own personal bank XXXX XXXX XXXX XXXX. I also traded in a car that was paid off that same day with them. I gave the financer at the dealership permission to RUN my credit to see if he could beat my APR rate of 6.29 % from XXXX XXXX with the financing he offered but he could not with a APR of 7.29 % so I told him to just go ahead and use XXXX XXXX XXXX.   The Financer had financed me through PNC without my knowledge and continuously gave me the run around from the beginning about me being financed through XXXX XXXX. I have continuously called, left voicemails, and taken off of work to get this issue resolved with XXXX XXXX before my XXXX XXXX offer expired on the XX/XX/XXXX, and I have yet to receive response. I now am financed through PNC Bank with a higher APR than what I originally got from XXXX XXXX and I believe that I now have a hard hit on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I enlisted in Experian boost several months ago which is a new service that allegedly tracks payments and improvesyour credit score. As soon as I signed up for the service Experian began having problems connecting with my bank and it resulted in my credit score dropping by 20 points. I have spoken with Experian and they explained that if I unenroll from the program my credit score would correct itself. It's been a month and my credit score is still damaged by more than 20 points and they continue to tell me they can't do anything about it. I've reported them to the XXXX XXXX XXXX and I've had no response. This seems to be a scam developed by Experian to get a hold of your payment schedules for whatever purposes they would be using them for. I simply want Experian to erase my enrollment in Boost   and return my credit score to where it was in XX/XX/2019 prior to joining Boost

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 2019-04-27 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi switch monthly billing to emails which my email block them as spam it took over a year to get billing switched back to paper billing, I should not be penalized as i was not receiving billing 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 2019-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My mortgage is serviced by Bank of America. I have a reoccurring payment set up and have for a number of years. This year I got a letter saying my payment was late and they were going to charge me a fee. 

I never canceled this autopayment. 

So after calling them and nobody could tell me why this happened, they credited me the fee, and I made a manual payment and they said the auto payments will resume. 

I checked for my XXXX payment, and the auto paymets show " Canceled '' I called them, and nobody knows why. They keep canceling my auto pay. 


I believe they are committing fraud by coming up with scenarios to charge fees, hoping we don't find out, like XXXX XXXX has done.

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 2019-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: NC

Complaint narrative:
I was approved for a loan for {$3500.00} through XXXX XXXX in XX/XX/2018. My payments are {$140.00} biweekly. To date I have paid over {$1800.00} on time. However, my current balance is over XXXX which is over the amount I borrowed. I am being told that my interest rate 98 % and if I pay according to the terms of the loan, I will pay out over {$10000.00}. I want to pay what I owe plus a fair interest rate for someone with my credit profile but I am not able to comply with the current terms of the loan. I need assistance in making sure that XXXX XXXX is fair in their loan terms and updating the current terms which are clearly predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i recently got a refinance loan for my car to get lower interest rate shortly after i recieved the loan my credit score dropped 40 points what is up with that???? ive worked hard to keep my good credit score i make all my payment on time from what i have seen on my report i have too many account on my record which is untrue. ihave only to credit cards with a balance of XXXX  dollers ihave acredit balace avaiilable of XXXX due to my credit aat this time i cant get any type of loan. your credit score is large part of your life. im pleading with you to taking action with this problem and give me feed back im very upset

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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX XXXX XXXX XXXX XXXX & at 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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My idenity was compromised while I was overseer serving in the U.S. Military between XXXX - XXXX. During this time XXXX XXXX and XXXX XXXX but a unauthorized hard inquiry on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX   XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX NXX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX XX/XX/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 2019-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I submitted the proof that i have insurance for my house. However, lakeview Loan Servicing LLC who is the escrow agent, refused to refund the deduction which should not be supposed to do that. 

Our house loan has no escrow account and we handled our insurance. In XX/XX/2018, Lakeview Loan Servicing LLC suddenly open the escrow account and deducted {$2200.00} and deducted the amount from my back account by automatic payment. Later on, I submitted insurance company 's statement and showed them we have insurance. Lakeview loan LLC sold the loan to XXXX. Lakeview Loan LLC refused to refund me saying the account is sold and closed.

I called Lakeview several times during the past few months and they said " the check is being processed '' but i never received the refund. Attached with the doc. You can see my escrow account starting balance is - {$2200.00}.

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 2019-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been in business with Chase for a long time and never had an issue with the payment on credit cards. One they they decided to reduce my credit and closed my business credit account. I called them and talked to them about it. They explained that they were reducing my credit because of my debt ratio. I explained that if your going to charge me for all of my mortgages should should add the rental income to the mix. They refused. At the time my credit score was over XXXX. When they closed my business account my balance was XXXX. A few months later they said I didn't pay a bill on the business account for some interest that was added after they closed the account. I explained that they closed the account and that I was never notified I owed the money. No statement was received, no phone calls nothing. They issued a late payment to my credit and it has put my credit down 50+ points. I called them and paid the bill but still my credit was damaged. If you check I have been with them for years and I can not remember ever being late. They will not take the late payment charge off my credit report and they treat a long time member with no respect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX, I bank with Bank of America. My father sent me a XXXX transfer of {$100.00} on XX/XX/2019 to cover all the transaction for that date. I received a confirmation text that the account will be credited. I checked my account today ( XX/XX/2019 ) its not credited. I incurred overdraft fees because of this. I called bank of america, the representative said its a bank error that they did not get the funds. He said it will take 3 to 5 business days. But XXXX is instant and my father sent me money before through XXXX. I did not received ant email or text that the funds will be delayed. What I received is a text confirming the XXXX transfer. Usually whenever i received a confirmation text the funds is there.

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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2018 my husband and I bought a car in XXXX  XXXX XXXX. 
They run our SSN through several financial companies without our authorization, finally the only one that approved the loan was Westlake Financial Services. 
After a few days, we received the account information to setup autopay and we realized that my SSN ( XXXX XXXX ) was wrong, immediately I send them many e-mails reporting this problem and also making several calls to fix it but they refuse. 
Info : Westlake account number XXXX Our info : Main = XXXX XXXX SSN -- - -- XXXX ( reported OK ) Co-signer = XXXX XXXX SSN -- - -- XXXX ( they put another SSN ) So they never report my on-time payments to Credit Bureaus and my score shows no activity yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My idenity was compromised while I was overseer serving in the U.S. Military between XXXX - XXXX. During this time Chase Auto and Chase Card but a unauthorized hard inquiry on my credit report. I have included the dates below. I have never authorized Chase Card or Chase Auto to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. Chase Card XX/XX/XXXX 2. Chase Auto XX/XX/XXXX 3. Chase Auto XX/XX/XXXX 4. Chase Card XX/XX/XXXX 5. Chase Card XX/XX/XXXX 6. Chase Card XX/XX/XXXX 7. Chase Card XX/XX/XXXX 8. Chase Card XX/XX/XXXX 9. Chase Card XX/XX/XXXX 10. Chase Auto XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time XXXX XXXX XXXX and XXXX  XXXX XXXX   XXXX put several unauthorized hard inquires on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XX/XX/XXXX 2.XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time Capital One Auto and Capital One Credit Card put several unauthorized hard inquires on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XXXX 2.XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paypal Credit sent me a letter stating I have an account with them and that they were changing the terms of the agreement. I called to notify them that I have never had an account with PayPal Credit and they said since I received the letter I do, but, even though I provided them with the last 4 of my social, DOB, address listed on the letter and the digits of the account listed on the letter they could not find my account. They just kept telling that I do have an account, but they just can't find it. He said only their back office could research it, but I couldn't talk to them and he basically said he couldn't help and to mail the letter back, at my cost and time, and write the words, " Close Account ''. He then abruptly ended the call since he said he couldn't help me. 

This is very frustrating, I have never received a letter from them, ever. I verified that the number I was calling was legitimate. They should not be in the business of notifying people that they have an account, but then tell people that they can't find their account, with Address, Name, last 4 SSN, DOB, and reference number from their letter! I request your assistance with this company to help me resolve this issue.

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 2019-04-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a letter XX/XX/2018 to Trans Union which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I received a response from Trans Union but they failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.

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 2019-04-27 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX reported a late payment on my credit, this is unacceptable. I didnt even receive any bill nor they didnt even try to call me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX reported a late payment on my credit, this is unacceptable. I didnt even receive any bill nor they didnt even try to call me regarding this matter.

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 2019-04-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter XX/XX/2018 to XXXX XXXX which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I received a response from XXXX XXXX but they failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a letter XX/XX/2018 to XXXX XXXX which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I received a response from XXXX XXXX but they failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.

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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is incorrect information on my credit report such as personal information. The following information has been addressed as incorrect by all 3 credit bureaus and they are still reporting. I have attached the letter that was sent to all of them

Company response to consumer: Closed with non-monetary relief