vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
We sent a letter to the credit bureaus, asking them to correct an error on our credit report. Well over 30 days have passed, and some of the bureaus have not responded yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
We sent a letter to the credit bureaus, asking them to correct an error on our credit report. Well over 30 days have passed, and some of the bureaus have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: AL

Complaint narrative:
Your Report Number is : XXXX Your Report Number is : XXXX Your Report Number is : XXXX OnXX/XX/XXXX, I began submitting several disputes indicating I had filed a Chapter XXXX bankruptcy. I submitted my bankruptcy information that indicated the bankruptcy number and list of creditors. Most of the accounts were updated correctly, however, I have 4 accounts where the dollar amount should state XXXX and 1 account that should state included in bankruptcy. 

On XXXX XXXX, XXXX, at an approximately XXXX XXXX  central standard time I called to inquire about the latest results. The customer service I received was by far the worst. I have contacted this company many times in the past and have always received superior service. I stated I had questions about the results I received. The representative stated, what 's your question. I informed him of the question, he asked for the report number and my name. He did n't verify any other information. He then became extremely rude, I asked to speak with his manager, he stated his manager could not accept calls but offered to have his manager call back within 24-48 hours. I then requested to speak with another representative, he said no and that he would drop my call. I asked for his name and stated I was recording the conversation, he said XXXX. Then he dropped the call. I had to call back 30 minutes later, I was on hold for 30 minutes before I spoke to someone, however, she was more than helpful to assist in initiating disputes. Please pull the call, I ask that you do something about this type of service. I am also unhappy with the number of disputes in order to get my information corrected. Please look into why this is happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 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: Rocket Mortgage, LLC
State: CO

Complaint narrative:
On XXXX/XXXX/2017 I filled out some contact information on line regarding mortgages. On the same day I was contacted by an employee of Quicken Loans and we discussed different scenarios. I told him that I had excellent credit. At no time during the call was I asked for my permission to have my credit pulled. I was very surprised to see a hard pull on my credit report and notified Quicken Loans immediately by phone. They looked into it and determined that I had given permission and that they would not remove it from my report.. Since all calls are recorded, they played back the call for me. As I remembered, I was never asked if they could or told that they were going to run my credit. Their reasoning was that their employee explained enough to allow them to pull my credit. Their business practice is deceptive and misleading to any consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Problem is with Bank of America Rewards Visa Palatinium Plus. 

I had 2 balance transfers on it. One that started on XX/XX/XXXX and expiring XX/XX/XXXX at 1,99 % and the other one that was due to expire on XX/XX/XXXXwas 0 % APR. I called in at the end of XXXX, spoke to representative and asked what amount I needed to pay to cover in full the expiring promotional rate. The lady said it was a little over {$1900.00}. My monthly payment of ( minimum balance plus some extra pay ) was already deducted and I paid additional {$2000.00} to cover the expiring promotion on XX/XX/XXXX. Despite doing so- Bank of America started charging me {$30.00} a month in interest fees claiming that the amount that the amount I paid went towards the other balance. I talked to the representative who did n't really know what he was talking about and asked to speak to the supervisor. Representative came back on line- instead of supervisor. They offered to credit one amount of {$30.00} ( at that point they already charged me twice ) and said I need to pay {$2000.00} to cover that promotion again! I asked to speak to the supervisor who -did confirm that the amount was applied to the wrong balance and forwarded my case to resolution center. They did call me back today. Stated that they ca n't do anything because the amount was applied to the correct ( higher interest ) balance. When I made a statement about hypothetically both balances being at 0 % they still would n't apply it correctly anyhow because they would split it in half- she had no response. I explained to her, that when I called in originally about the balance I did ask what do I need to pay and how to pay it - and that I was not informed about how incorrectly it 's going to be applied. They also could n't answer my question about how was I suppose to make that payment in order for the {$2000.00} be correctly applied to the expiring promotion. When I explained that I going to file a complained with CFPB the representative from resolution center did n't say any other word and hung up on me. 
I have this card for many years and all my payments were always made on time.

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 2018-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Multiple accounts created and now have late payments reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DMB Financial, LLC
State: TX

Complaint narrative:
OnXX/XX/XXXX I enrolled in a debt settlement program through DMB Financial Program. I agreed to pay {$740.00} per month for 53 months to settle {$49000.00} in credit card debt. As of XX/XX/XXXX DMB Financial had not settled any debt for me and had taken out of my checking account from XXXX XXXX. {$3700.00} and a related company to DMB Financial took {$59.00} during the same time period for " education purposes ), totaling {$290.00}, and to this day did not settle any of my debts. Not one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
incorrect information reported XXXX XXXX 2017 by XXXX  and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had made a purchase and signed up for a store credit card at XXXX XXXX XXXX onXX/XX/XXXX when I was travelling to XXXX XXXX, NV ; however, I never received the credit card and statement after that. Few months later, I got a call on my cell phone from XXXX XXXX, saying that I had a past due. I told the lady that I never received neither the credit card nor the statement. She told me that I need to wait for the next credit card statement and she could not email me the statement. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX Store and paid cash for the transaction. By the time I received the credit card statement, I had three months ' late fee accumulated. 
I have the feeling that XXXX XXXX is proposely not sending the first statement to initiate the late fee from the credit card holder. When the time I found out I had a past due, I told them to email me the credit card statement, so I can make the online payment ; they said they did not email out credit card statement. I told them I got it all the time from other banks. I have called the bank this morning ( XX/XX/XXXX ), they said they had record of sending out monthly statement with postal office proof, so they ca n't waive any later fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: Rocket Mortgage, LLC
State: UT

Complaint narrative:
This account was created fraudently. And now I have 7 late payments reported on my credit report. This loan should of never been created do to all the fraudent that had happened to get approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I need GM Financial to provide registration paperwork relating to our leased vehicle. Their phones and websites were closed for a systems upgrade but were supposed to functional on XXXX XXXX. My daughter has been trying to contact them since that date with no website functionality for a duplicate title and no answer tobtheir customer service lines. I took over this project as co-lessee on XXXX XXXX and have tried everything. Our dealer can not even get through to them. I took to XXXX to message GM Financial, but they have only responded with the same XXXX # I have been calling. Their phones are either busy or I get a message saying " due to high call volumes '' they can not take any calls. I have sent another message via XXXX. WHAT I WANT- to fix registration paperwork so my daughter can register her car. Please call or email, or provide a XXXX address ( not PO box ) so I can send a written request and copy in our lawyer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
PMAB recently put over 25 collections on my credit report. I have no idea who they are and I never received a notice from them. They just put it on my credit. 
I called them and demanded them to show me what they were for and the refused. They claim it is old medical bills from XXXX & XXXX but they said they do not have to give me the info. 
For one the NC statute on debt is 3 years, so if they are mine then they are past the statute of limitations. But I have insurance and always have so they can not be mine. 
Are n't they required to send me proof? how can a company just put so many items on my credit just because?? I have contacted my attorney as well. This is a clear Violation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I 'm a client. Of suntrust bank and onXX/XX/XXXX they put a hold on my accounts so that I could n't withdraw or use my money. I had made some wire transfers to a person in XXXX and all of a sudden my government monies are in the account but suntrust keeps saying its fraudulent money and its not. They keep liing about when or if I 'm going to get my money. I call every weekday and have went in person some. The bank branch managers have been very unprofessional and making threats saying I 'm going to be arrested and put in jail and that I do n't deserve my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
NAVIENT placed my student loans in " excessive debt forbearance '' without my request and without notification. They have agreed to update my account and put me back into the approved payment plan, but are refusing to update my credit report. I did not request a forbearance and received no notification via mail or email. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
No knowledge of this 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
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called XXXX XXXX XXXX ( XXXX   ), which is the number on their website and they stated the card was not registered. I explained I had received the card as a gift and informed them it should have a {$100.00} balance, however the representatives response was it is not a registered card no other options were offered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: NC

Complaint narrative:
We obtained some kind of " home collateral '' loan from XXXX many years ago, we knew the terms of the loan and we 've been paying religiously by automatic debit from our checking account since the last 10 years. Anyway the loan has been sold many times over but we normally get some kind of notice about the loan being sold. 
Well this time the loan was sold from XXXX ( XXXX Customer Service Phone XXXX ) to REAL TIME RESOLUTIONS which it seems to be a debt collector.Real Time Resolutions, IncXXXX XXXX XXXX XXXX, TX, XXXX Phone. XXXX The thing here is nobody ever let us know about this, and it looks like we have a loan with a debt collection agency Real Time Resolutions and we do n't like that. 

Banking and financial regulations need be stronger in this country, the consumer always suffers. 

In any case I consulting my attorney to see the steps to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
incorrect information reported XXXX XXXX 2017 by XXXX  and transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: ID Analytics, Inc.
State: AL

Complaint narrative:
incorrect information reported XXXX XXXX 2017 by XXXX  and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
We have a Mortgage with DITECH and on XX/XX/XXXX. Hurricane XXXX  hit our city here in XXXX TX . One week later XX/XX/XXXX we get a letter stating that we had an overage on our Escrow account. We are out of town at the time we spent 2 wks in XXXX and XXXX XXXX because we did n't want to ride thru the storm with our little kids, no food or lights.

We have been a couple already and did n't want to go thru this one seemed like it would be a bigger one than we have dealt with. Needless to say we did have a little water damage. Compared to others here in Town. I called in our insurance claim after we got back and DITECH said that they had rehimbursed our " Flood Insurance ''! They said it was because we were no longer in a " Flood zone '' which I have confirmed that there was no such change to our Flood Map! That was a lie and the reason we could not contact the insurance company our selves is that we were always paying our Flood Insurance and Hazard Insurance separate from the Mortgage Payment. This last year DITECH forced insurance on us and it was lower than the Flood policies we found ourselves. I never got a copy of the binder or policy from DITECH or Insurance company for that fact.

I have called DITECH and requested online for a copy of my old policy and they will not send to me. I suspect that they did n't have an insurance policy during the time they said they had a policy and tried to hide there tracks by giving me the run around.

I am tired of being given the run around and am seeking help to fix our house which we thought we had insurance for and we were paying them for. I do n't know what we can do at this point since I feel like we are at there mercy and it does n't seem like they want to help us out when we need it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Over a year ago I signed up for an online legal documents service. For a {$15.00} per month from my paypal account I could access legal forms in their library. This could be terminated at any time with no contract term. Part way through XXXX I requested to terminate the account with the service provider. I did not notice until XXXX XXXX that the service provider had continued to charge me {$15.00} per month to my paypal. I contacted Paypal to dispute the charge but they would only allow me to dispute the most recent charge, which I did on XXXX XXXX, XXXX. Paypal contacted the service provider who apparently told Paypal they were pre-authorized to charge my account. Paypal ignored my information noting I had cancelled the service ( thus no longer pre-authorized ) and decided the charge was valid. I appealed and Paypal denied my request with no further explanation or proof of authorization. Paypal offers a purchase guarantee plus also a money back for unauthorized charges, however, they failed to act appropriately in this instance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
After reviewing my credit report I noticed two inaccurate inquiries on there being reported by this company & the credit bureaus in which I have disputed them and put a fraud alert on my account as well with this XXXX XXXX company and all 3 credit bureaus is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the company never responded by mail. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX > I have disputed these TWO unauthorized inquires for several months with no help from the company or credit bureaus. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent by mail to XXXX XXXX XXXX XXXX. I have spent the last two days over the phone disputing and arguing with representatives at XXXX XXXX service company (which is a third party for another company) that keeps telling me that they will not investigate these two inaccurate inquiries that their company requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or a Veterans home loan place. It is NOT my job to track all of these companies down. I put a fraud alert on my accounts for these are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that XXXX XXXX company do their job and abide by the laws!! This company requested my information without my consent and they need to delete it!

Company response to consumer: Closed with explanation