vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
On XX/XX/2019 I completed an application through TransUnion Smartmove. This was a completed the SmartMove screening request for a property that I planned to rent. I submitted my Social Security Number as well as current address, previous address, phone number, income, email address, and personal information.I also paid a {$40.00} application fee. Once the application was submitted, I received a confirmation email that " No action is necessary on your part - you will be notified by the landlord/agent with a final lease decision. '' The landlord contacted me and told me they received a report of a criminal record, and asked for an explanation. I have never been arrested or been to jail and have no criminal record. I called Transunion customer service to inquire about the inaccurate information that was reported. The customer service rep. told me there was nothing they could do because it matched my name. The criminal report did not even provide the date of birth or social security number of the criminal. So they did not actually match this to me, they said 'it could be me '' So they are reporting someone else criminal record because they have the same name but they have not made any other critical connection, like social security or date of birth, they excluded that information from the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THE ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refused a certified letter from me disputing a debt. This violates my rights to dispute incorrect information on my credit report. Experian must legally review every letter to see if it has new information that is relevant to items on my report. Experian refused a letter without reading the contents inside, which means they failed to review the letter for new information. They have denied me my right to dispute items on my report. Experian wrote " refused '' on a certified letter mailed on XX/XX/XXXX ( picture included ). 
I have reached out to Experian twice over a debt that is not mine. I have asked Experian if they have the original contract for the debt with my written signature. This is required under section 609 and section 611. Experian has never provided proof that they have a copy of the contract with my signature in their possession. Instead they send me documents that I have not asked for and are not the contract. If Experian doesn't have the contract, they must remove the debt from my report. 
Experian has failed to provide proof of the contract ( again, no actual contract has ever been sent to me, and they have never proved they have it in their hands ), and now they are refusing mail. 
This is illegal, and this violates my rights. They are legally bound to review letters to see if new information is provided.

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 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust bank dishonestly and erroneously stole a total of {$100.00} from my checking account. On XX/XX/XXXX, a deposit of {$340.00} was made to cover a withdrawal to my sons ' college education fund that was scheduled on the same day. Suntrust falsely noted that the deposit was made on XX/XX/XXXX - even though I have a receipt indicating that the deposit was made on XX/XX/XXXX. Suntrust then charged a {$36.00} overdrawn fee even though the account became overdrawn only because Suntrust made a mistake by not crediting my account on the right day ( June 18 ). 
Because Suntrust erroneously charged a {$36.00} fee, there was not enough money to cover a check of {$15.00} that was paid the next day ( June 19th ). Suntrust then levied two additional {$36.00} overdrawn fees. In other words, Suntrust 's mistake in the deposit date caused three overdrawn charges amounting to a total of {$100.00}. 
To make matters worse still, Suntrust told the CFPB that it had contacted me regarding this issue. But it has not yet done so. Suntrust refunded only one of the three fees and therefore, it still owes me 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 2019-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
My company XXXX XXXX leased a new XXXX XXXX on XX/XX/XXXX for 3 years 36 monthly payment of {$460.00}. I cosigned the lease. Monthly car payments were done through bank transfer automatically from XXXX XXXX 's account. 
I indicated way back to the dealership in XXXX and again in XXXX, XXXX that I would purchase the vehicle at the end of the lease. Unfortunately the sales person I dealt with left the dealership so no one knew what was going on but more than one person at the dealership told me just come in and everything would be taken care of. 
I singed the papers on XX/XX/XXXX to purchase the vehicle for personal use with the dealership. On XX/XX/XXXX, I found a 37th car payment taken out from the company account. I called Chase on XX/XX/XXXX and was told that " computer did not know the lease was done ''. Further the customer rep blamed the dealership saying Chase credited the overpayment to the dealership and I should ask the dealership for refund. I called and visited the dealership and was promised that they'd look into it. 
On XX/XX/XXXX I called to follow up with the dealership and got nowhere. 
On XX/XX/XXXX, I called Chase and got to a supervisor. He started a ticket to look into the overpayment and promised to call back with an update by Friday. 
On XX/XX/XXXX, I called twice to Chase regarding the overpayment and was told that they would look into it again. 
I don't have the time to keep calling Chase. There was an overpayment and they should refund it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Applied for Care Credit, which was issued through Synchrony bank. Last month, out of the blue, they charged me {$1100.00} in early interest fee. I was told that I did not pay off the loan within six months so they charged an extra {$1100.00}. this is on top of the regular monthly interest charge that I am paying. No where when I applied for the loan was I told that I would have to pay an EXTRA {$1100.00} in six months. I never would have taken the loan from them. They are a rip off and claim that they were putting this on the statements. I was NEVER EVER TOLD THIS Initially, if so, I WOULD HAVE NEVER AGREED TO THAT. Why must I pay {$1100.00} in interest after 6 months on a {$7500.00} loan and PLUS pay regular interest charge every month. 

MY ACCOUNT NUMBER WITH THEM IS : 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 monetary relief
Consumer complaint received 2019-07-12 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: WY

Complaint narrative:
Equifax Credit Information Services, LLC XXXX. XXXX XXXX, XXXX, GA XXXX To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 


Please update my address to XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, Name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
I have previously filed a complaint with the Consumer Finance Bureau, in which you stated that another person is listed as the responsible party. However, this responsible party is my brother, not me. In addition, I have not received any validation of this debt from your office like the previous response mentioned. Nothing has come into my address for me at any of the addresses listed on my credit report or the complaint with the CPFB, nor for my brother, yet I see that you have reported to XXXX  that it is verified. I have attached a letter for Sequium Asset 's that I will also be mailing to them in connection with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THE ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CT

Complaint narrative:
I get paid every 2 weeks, I wanted to change the due date for my payments, they were normally due on the XX/XX/XXXX of each month, we are buying a home and now will need to move some bills around to accommodate the new mortgage payment. I emailed Lending Club on XX/XX/19 at the email they provide for due date changes ( XXXX ) requested a new due date around the XX/XX/XXXX of the month, they emailed back on XX/XX/19 that they could only go as far as the XX/XX/XXXX, which was ok, I emailed back that same day the XX/XX/XXXX is fine I needed to change it regardless. I received an email back on XX/XX/19 stating that my new due date would be the XX/XX/XXXX of each month beginning on XX/XX/19. Today is XX/XX/19 and I checked my bank account and Lending Club took their payment, I called and spoke to XXXX different people, the first rep told me I misinterpreted the email and had to call to change the due date, there is no mention in their emails of me needing to make a phone call to do this, the second person put me on hold and never came back, the third woman I spoke to saw the emails and could not understand how the first woman I spoke to could tell me I was wrong and there was nothing that could be done, she opened up service tickets for a supervisor ( who are not available by phone to customers ) to look into this and another service ticket to try and cancel the payment, my account is now overdrawn and I was charged {$35.00}, this is absolute XXXX!! I am appalled that nobody knows what to do and you can not speak to a supervisor. I want this rectified and I want the {$35.00} fee refunded to me. I have all emails saved as proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: NV

Complaint narrative:
Still showme open the account on my credit report like credit karma XXXX and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: LA

Complaint narrative:
Refinanced a current loan with the same company.. republic finance of XXXX la ... so basically when is all said and done im paying 68 % on one loan and i was not compensated the insurance back into that first loan ... and the total payment due after 24 months was also added to the second contract!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I asked a customer service rep about getting set up on autopay. I was sent a form to fill out. A requirement is that at least one payment from the account from which the autopay will be debited is submitted manually. I made my XX/XX/XXXX minimum payment as required by my XX/XX/XXXX statement. The payment was received XX/XX/XXXX. I then filled out the autopay form and submitted it. 

The form even asks for an email address for confirmation that the autopay was set up. I never got it. I don't think it was ever sent. Today I learned that my already paid minimum payment will be debited AGAIN on XX/XX/XXXX after it was already paid. I'm out the money TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
My name is XXXX XXXX. I have a loan with Bayview Loan Servicing LLC. I would like my home to be released to me. I would like Bayview Loan servicing LLC to stop negatively reporting on my credit bureau report. I've never had a late payment. I feel like I'm being treated unfair. I paid my mortgage off in XX/XX/XXXX. I have been paying on fees add to the mortgage.. My mortgage came from XXXX. I really only owe {$380.00}, this is an add on created at my first mortgage company,  XXXX. Since I have Bayview Loan Serving LLC has acquired my mortgage it has increased every time the payoff is near. I have over paid {$1200.00} on this mortgage and I need help to be done. Bayview wanted {$1200.00} for the add-on to mortgage. When I started paying it off the add-on amount kept changing now it is {$1700.00}. This add on I was informed by Bayview Loan Serving LLC. XX/XX/2019 the last payment was made. I only authorized one mortgage payment of {$360.00} for XX/XX/2019. There was a second payment withdrawn from my account for {$360.00} on XX/XX/XXXX unauthorized. The balance on the mortgage after the first mortgage payment was made in XX/XX/XXXX of {$360.00} would have been approximately {$100.00}. I received the check for {$250.00} in the XX/XX/XXXX mail. I checked my bank statement and call my bank. I had my bank reverse the second mortgage payment. Receive documents in the mail saying to pay my mortgage off and there are no liens on the property. Bayview gave me a representative by the name of XXXX called me on XX/XX/2019we did final payment on the mortgage of {$200.00}. I also received an overnight package requesting XXXX XXXXsome dollars to close the mortgage out overnighted do XXXX  the day before. Yesterday I received the documents saying I owe {$1600.00}. This is what they want to make the mortgage current. Every payment I made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are marked as unpaid. My bank statements will prove that I paid my mortgage. The letter also says I'm 149 days delinquent in my mortgage and they want to foreclose on my home as of XX/XX/2019. I pay all my own taxes and insurance on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I received a call from XXXX XXXX @ XXXX stating that she was from XXXX county to inform me of a wage garnishment. I explained that I have tried several times to dispute the debt and requested information to confirm the validity of the debt. She said to contact XXXX at XXXX to resolve and she would hold until XXXX. Called and spoke with Mr. XXXX who said the only way to stop was to pay today. He advised that the payment due was {$580.00} but would settle for half. If you call XXXX it is XXXX. 

XXXX has contacted me several times and has only sent me an settlement agreement via email on XX/XX/2019 but nothing to confirm the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Lease was returned and all payments paid in full in XX/XX/2017. Company reported the lease as a voluntary repo and sold it at auction despite all obligations being satisfied and are trying to charge me the fees and loss at auction. The vehicle was properly returned and the payments were made to satisfy lease obligation. They incorrectly handled the end of lease and will not fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX are reporting incorrectly the XXXX XXXX partial account number XXXX as ( 120 ) days past due. ( Please see page 4 of the attached credit report. ) This account does not belong to me. I do not know who XXXX XXXX is. This trade line item recently appeared on my credit report. This incorrect reporting is harming my credit score and this item needs to be removed. I have contacted the ( 2 ) bureaus to resolve this, however I have been unsuccessful.

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 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I have contacted Loancare LLC several times and sent written correspondence asking them to review my Escrow and adjust to accurately reflect my property taxes. Loancare can not connect me directly with an Escrow department representative. So, their approach is to " send an E-Mail ''. This has resulted in No action. I have a surplus that should also be refunded to me. Their customer service representative fails to ensure that my request is being escalated - they did not even have a record of a conversation from a previous call where they said they would escalate this issue to the escrow department. This lack of support is an accurate reflection of ALL the complaints logged against Loancare LLC. This is a pathetic and incompetent organization.

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 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit again and there are still some stuff on there that is not mine. I have reached out to the FTC and to my local police department and I am doing this on my own. Please remove them from my credit report so I can go back to school and make a better life for my family. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly the XXXX XXXX partial account number XXXX as ( 120 ) days past due. ( Please see page 4 of the attached credit report. ) This account does not belong to me. I do not know who XXXX XXXX is. This trade line item recently appeared on my credit report. This incorrect reporting is harming my credit score and this item needs to be removed. I have contacted the ( 2 ) bureaus to resolve this, however I have been unsuccessful.

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