vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Vital Solutions, Inc.
State: MA

Complaint narrative:
I sent them a letter to not call any phone numbers, home, work and cell. 
Now they are calling my employer and leaving detailed message about my debt. 
XXXX XXXX XXXX ext XXXX ... ... told them on the phone twice to stop calling me at work. Time to report them for harassing me at work when told not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CO

Complaint narrative:
XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I booked a flight using chase ultimate reward through chase travel agency at XX/XX/XXXX and canceled it one day later. The flight ticket transferred to XXXX XXXX XXXX under my account which is good for use within one year. At XX/XX/XXXX, I was trying to book a new reservation through chase reward travel agency again. After a long negotiation and waiting time ( around one hour ), they told me I have to complete the trip not book the trip by XX/XX/XXXX, which is totally different from what they told me before. Then I was transferred to XXXX XXXX, they helped me book the new travel, however, cost me XXXX bucks more because original travel was booked through chase and new one need to go through chase as well or I need to pay {$50.00} more. 
The professionalism of chase reward is poor, they told me different things at different time. And the response time of them is very long, the phone call I made to them yesterday took around 2 hours in total which is insane. The overall experience of using chase reward is too frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18 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: CA

Complaint narrative:
Transunion and XXXX are reporting several XXXX XXXX payments as being late when this is not correct because my payments come directly out of my paycheck every month. XXXX  is reporting it correct as never late paid on time. Why is this? This is the account that i'm requesting be updated. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Dates reported late are XX/XX/XXXX, XX/XX/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 2019-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I received a copy of the Vehicle Inspection report from Chrysler Capital indicating that all 4 tires needed to be replaced at the astronomical price of {$170.00} per tire. I called and spoke to a representative on XX/XX/2019 trying to negotiate a fair price as I researched tires and found at least five brands all under {$100.00} per tire. I was told that there was nothing they can do to help and I asked to a supervisor who indicated she can knock off 25 % which is {$170.00}. I explained that it was not fair that the appraisal company gets to pick the price of the tires and when I asked XXXX what tires were put on the vehicle to replace the worn ones she indicated she couldn't tell me. The customer service rep told me that they called me and sent a letter advising me that I should get my own appraisal, i never received the call or letter. I would have purchased a cheaper tire on my own if that was the case and not left the price up to the hands of a third party vendor. The fee is Unfair and the process Deceptive ( UDAAP ) and like I told the representative, I am willing to pay a fair price. Why would I pay {$170.00} per tire when the only one benefiting from that exuberant fee is Chrysler Capital. They are not treating customer 's fairly at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CA

Complaint narrative:
Transunion is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX account number XXXX. ( Please see page 2 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX, however Transunion has not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lending Club Corp
State: MA

Complaint narrative:
I sent them a letter to not call any phone numbers, home, work and cell. 
Now they are calling my employer and leaving detailed message about my debt. 
XXXX XXXX XXXX ext XXXX ... ... told them on the phone twice to stop calling me at work. Time to report them for harassing me at work when told not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Syncb/amazon put a Hard inquiry on my report on XX/XX/2019 This is completely fraud. 
I have never applied for a XXXX Credit Card XXXX are located in XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-06-18 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: Lincoln Educational Services Corporation
State: NY

Complaint narrative:
My son signed for a private student loan with Lincoln Technical Institute in the amount of {$9100.00} on XX/XX/2017. He is the sole person to sign the loan. He did not start to pay the poan on time and Lincoln Technical Institute reported this loan on my credit report and put me down as co-signer of the loan. I have all the documents that where signed and there is no co-signer to the loan. I called Lincoln Technical Institute to have this loan removed from my credit report and was told that i signed on the loan. I was told that she had the document and i asked for a copy. Weeks later i received the same document showing only my sons signature and no co-cosigner, my signature is not on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CO

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  CARD partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CA

Complaint narrative:
XXXX and Equifax are reporting several XXXX XXXX payments as being late when this is not correct because my payments come directly out of my paycheck every month. XXXX is reporting it correct as never late paid on time. Why is this? This is the account that i'm requesting be updated. XXXX XXXX XXXX XXXX Opened XXXX. Dates reported late are XX/XX/XXXX, XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CO

Complaint narrative:
XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  CARD partial account number XXXX. ( Please see pages 3  and 4 of the attached credit report. ) I have already called XXXX Bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had to go on Military leave for a month and i contacted all my creditors to let them know i would be unavailable to make my payments until i got back from duty. Capital One assured me that it would not be a problem but once i returned i had an alert on my credit report that i had recent late payments. I called Capital one and the Rep said it was nothing he could do so i'm forced to file a compliant against them for these two accounts. 
CAPITAL ONE BANK USA NA -XXXX Opened XX/XX/XXXX Late payment XX/XX/XXXX, CAPITAL ONE BANK USA NA -XXXX Opened XX/XX/XXXX Late payment XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I applied for a credit card with Navy Federal, I was approved for a {$500.00} limit with an XXXX XXXX card, when I received it the account was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2019 a withdraw of my personal checking account was authorized without my permission. I was hacked and had to change my account number. The total was {$2900.00}. The name appeared was XXXX XXXX and XXXX XXXX on 3 different transactions. I was not the one making these withdraws and would like my money back. Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have been working with Wells Fargo for several years. I was approved for an unemployment program, and at the end of the unemployment program ended a few months ago, and Wells Fargo says the only option I have to save my home is to pay the loan current. How is this even possible? If I had the funds to bring the loan current, then I wouldn't have been late in the first place. I don't believe Wells Fargo has any intention of helping me, are jerking me around, and just lying to me. I'm supposed to have a " designated '' contact, however, they are never available and I'm always speaking with someone different. and every time I speak with someone different, I get different answers. Furthermore, they ask for a lot of information, which I provide very quickly. However, they keep losing my documentation, and keeps asking for the same stuff over and over again. Last, they claim that my financials don't qualify for additional help. However, they are basing my income off of the WRONG information. I keep trying to get them to correct it, but they REFUSE to help me. I appealed their decision, and the next day they sent me a letter denying my appeal. How does it take them several months to review something, and only 24 hours to deny an appeal!? They're telling me that my only options is to get foreclosed on, or sale my home.

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 2019-06-18 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: UT

Complaint narrative:
I file a dispute on XX/XX/XXXX to dispute bankruptcy. They have not provided any info to me and ita been 30 days. I sent letter certified and notarized. Thier failure to respond to my inquiry in said amount of time is a failure on thier part and therefore the bankruptcy needs to be immediately deleted. This is unverified, innacurrate, and must now be deleted without further delay

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 2019-06-18 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: GA

Complaint narrative:
Experian is showing 4 inquires to 4 mortgage lenders in which I have never authorized to obtain my report nor did I apply for a mortgage loan. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXt XX/XX/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 2019-06-18 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: NCC Business Services, Inc.
State: GA

Complaint narrative:
NCC Business # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I recently went to the police department to complain and file a report. They asked if before I went further with the report, that I can bring in solid evidence that my identity had been compromised. I then reached out to the bureau 's as well as the original credit numerous times, no documentation provided. 
Please note, the few times I've reached out it's been in seek of not just an itemized invoice. 
I then recently sent them my FTC report, it's now the 52nd day and no response. I, unfortunately, did not record the login information and had to update it today. 
I have no relationship with this collection agency or creditor and this is not my debt. I received no right to dispute, anything! It just appeared on my credit report. I've lived at the same address for 6 years, nothing has come to my home. Full violation of 609 and 823, as well as the FCRA that requires they respond to my FTC affidavit. I say all of this with humility.

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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This company XXXX XXXX XXXX is trying to charge me XXXX for a debt, I don't know anything about and has it on my credit report and now has turned it over for collections to a new company LVNC funding out of Sc, listed under collections on my report. This unfair for them to try to make me pay for something that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2019-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover is reporting that I have missed 2 payments. I have paid {$300.00} a month for over a year. I have been unemployed for over a year so {$300.00} a month is all I can afford. I have not missed any payments.

I realize {$300.00} is less than the minimum payment. Discover combines 2 payments I send to cover the minimum payment for one month and then reports I missed a payment and they charge me late fees, which has put me over my credit limit so the amount I owe them continues to rise, as the {$300.00} I send is not enough to cover the interest and late fees.

According to my Discover statement it will take me 48 years to pay them. 
Interest charged as of XX/XX/2019 : {$1500.00} Late fees : {$220.00} In the meantime my credit score drops monthly.

I have tried numerous times over the past year to come to some type of payment arrangement.

Discover Card admits they have record of receiving {$300.00} a month.

Discover calls me up to 5 times a day.

Discover states they will not work with me unless I give them access to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
Quality Recovery Services # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation