vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 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: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
We purchased a vehicle in XXXX from XXXX XXXX, who contacted GM Financial for funding. We were denied credit through GM because of a report from XXXX , XXXX, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the 700 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken GM over two months to send us any notification.Have been told by others GM approves only wealthy people. GM needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. XXXX needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and XXXX to file reports with The Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: IL

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
Ive repeatedly asked this credit bureau and NCC Business Services to supply me with documentation to provide to authorities. THis account was opened and established in my name in error or thru complete fraud. THis account needs to be removed from my credit file as the debt they are trying to collect does not belong to me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Hello. 

I originally had a collection account with Quality Asset Recovery ( Company 1 ) and then the collections was bought out by XXXX XXXX XXXX, XXXX XXXX ( Company 2 ) to which I paid in full the entire account as of XX/XX/2019. After XXXX, I noticed that the collections were still not removed from my XXXX XXXX and repeatedly called both companies to try to resolve the issue. Company 1 claims that they will not remove it off my report because I did not pay them. Company 2 says that they called Company 1 saying I paid in full. I called the ORIGINAL lender and they told me that the amount of what I paid is correct for Company 2, so I know that the entire account and all of the invoices listed are now paid in full.

To date, and 5 months later, there are three collections still on my credit report even though I have called everyone many, many times and even filed disputes to correct this and close the accounts. Company 2 said they even mailed information over to all credit agencies, but I have no record of them doing so. Additionally, they now state that I am not allowed to call Company 1 because they hold my account. I just want this off  of my credit report, hopefully as of XXXX, since I am trying to build my credit and this has been a thorn in my side for months. I never get a complete answer.

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 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am respectfully and humbly asking that Synchrony Bank reverse the following charges made by XXXX XXXX. 

Chest {$540.00} Lift Top Table {$390.00} Wardrobe {$400.00} 5 Year Protection Plan {$290.00} Ive contacted XXXX XXXX on several occasions asking them about the credit of the Chest and to request that they also pick up the Lift Top Table and Wardrobe because both pieces are defective in many ways. However, to date, my requests have been ignored and the company now is refusing to pick up the phone. XXXX XXXX has refrained from taking any amicable action to ameliorate the situation.

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 2019-07-16 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: FL

Complaint narrative:
Experian is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX   however Experian has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I contacted Citibank about a charge of {$59.00} from XXXX XXXX XXXX from XX/XX/XXXX. According to Citibank dispute resolution team, I did not answer some questions correctly and the case was closed. In the meantime I had been calling checking the status and different representatives told me that I should be receiving notification by XX/XX/XXXX. I received no letter. I was advised to reopen the case by sending a letter of appeal. I contacted the dispute departments several times and more than one supervisor stated that the letter was in their system and to expect an answer by XX/XX/XXXX. I called today and was informed by a supervisor that the case was closed again. Apparently no letter of explanation went out. She told me that I need to contact the merchant. The merchant was the one who told me to dispute the charge. I need to escalate this complaint because I have an active account since XXXX, paying monthly service fees and deserve better customer service and at least the courtesy of a written notice if my dispute was not approved.

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 2019-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I thought I had paid off my truck loan on the XX/XX/2019. The company sent me a bill that stated my payoff was {$47.00} by the XX/XX/XXXX, so I paid that day the XX/XX/XXXX by debit card for {$47.00}. I checked my bank account and it stated pending transaction, I had over {$5000.00} in the account. I received a phone call yesterday XX/XX/XXXX stating I owed a past due amount of {$160.00} with no late fees!? I called and stated that I had paid off the loan on the XXXX for {$47.00}, but when I went to get the proof of the payoff from my account there was no transaction on my statement. Now they say I have to pay the {$160.00}, what if anything can I do in this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has a Score Boost feature that promises to link your utility history if you link your bank account to your Experian membership. I did this and they still are having issues reporting my utility history, despite giving them the exact dates and amount of the utility transaction. This amounts to fraud, also considering the fact that for their premium membership, the online chat feature is NEVER available, so you can't contact anyone to fix any issue. There is a message on the members ' site that states all of their agents are busy, no matter what time of day. 

It is nearly impossible to reach their toll free customer service to fix any issue. I was hung up on three times by their system before I was able to reach someone there. It is highly deceptive to request personal financial records from another institution ( Score Boost ) and not follow up on the promises made by your service. I would appreciate a prompt response to 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 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
After 14 years of a banking relationship for my business, which was and remains in good standing, Bank of America closed the 2 accounts with any adequate explanation or any ability to get an adequate understanding of its decision.

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 2019-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX of this year my loan was transferred to PHH Mortgage from Ocwen Loan Servicing. PHH has been misapplying my payments to principle instead off the normal monthly payment due. I made a phone-payment for XX/XX/2019 with conformation number of XXXX for {$200.00}. That payment does not show up on the XXXX statement. on XX/XX/XXXX, I made another phone-payment for {$200.00}, conformation XXXX XXXX, that should have been for the XXXX payment. Those monies were entirely misapplied to principle. This caused the XXXX payment to be missed and now that payment shows a past due amount of {$100.00}. I have tried to contact PHH by phone but their system will not permit direct contact with someone to talk with, and the automated system does not provide answers to how payments were applied, retrieving payment history, correcting payment errors, or adjusting payment due dates. Additionally PHH is sending the monthly statement late. The statement is printed on the XXXX of XXXX but it arrived on XX/XX/XXXX with a due date of XXXX the XXXX. This inherently creates an intent to create a late payment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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 is reporting incorrectly ( 60 ) days late on the XXXX partial account number XXXX. ( Please see pages 38 and 39 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: ID Analytics, Inc.
State: MO

Complaint narrative:
We purchased a vehicle in XXXX from XXXX XXXX, who contacted XXXX XXXX for funding. We were denied credit through XXXX because of a report from Sagestream , LLC, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the XXXX 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken XXXX over two months to send us any notification.Have been told by others XXXX approves only wealthy people. XXXX needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. Sagestream needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and Sagestream to file reports with The Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
In XXXX I received a call from a XXXX XXXX ( not sure why i even received anything since I became a college graduate in XXXX from XXXX XXXX XXXX XXXX XXXX University ), stating that i owed them for some materials i ordered from them for a class. I disputed with them then stating that this account must have belonged to someone else, or someone used my information. Why would i want to go to a XXXX XXXX when I already had my degree. I was told that they would no longer contact me, however it is 5 years later, and they are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: OH

Complaint narrative:
I have contacted ALL businesses by certified mail as well as all three credit bureaus pertaining to my issue. I have MANY hard inquiries on my accounts as result of my information being compromised and i had placed a security alert on my credit reports because of that, and even after doing so my credit was run over 20 times!!!!! I was never once notified or asked to give the identifying information required with the security alerts placed on my account, and now my credit is suffering immensely. Legal action is my next route if this does not get fixed in a timely manner, as it has already been way too long, and i have already addressed the issue will all companies involved and NOBODY has fixed their wrong doing. I was in chapter XXXX bankruptcy at the time FURTHER showing that the inquiries should not be on my account and again I was never notified or asked to confirm and allow my credit to be run!

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 2019-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
on XX/XX/2019 went bank of America XXXX PA meet XXXX XXXX Sales Manager at XXXX XXXX XXXX and she told me you preselected for credit card just apply and get approved right its good card travel, are you sure i got approved new credit limit, she answers yes yes, i did apply and receive a call later 30 minutes from credit team they ask me to unlock credit bureau XXXX which i did and she comes back and telling me, ooh we gon na reduce the limit of another credit and give you this limit {$3200.00}, then after 10minutes i  received one more we gon na decline the application, after secondary review apps i said to her are you playing and just left hard inquiry on credit for 2 years really do bank of America have much time to play with customers and i asked to leave feedback she didn't let me do it so right now i want bank of america remove hard inquiry

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 2019-07-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a payment for outstanding balance not statement balance so my payment was more than they required for XXXX payment. Instead of applying the payment to the account because I made the payment through a transfer from another one of my bank accounts they put a hold on my payment preventing me from using my card. I was told because the payment came from another account which they said was recently linked so are they discriminating with my other bank? Its a U.S. operated bank from XXXX XXXX XXXX and there shouldnt be any issues. After speaking with a customer service rep he said because I paid more than the statement balance it confused them even though that was the outstanding balance owed. Am I not allowed to pay back the money even when its not the statement balance? There shouldnt be any issues with this. So instead of applying my credit card payment I only have an available credit of {$160.00} instead of what it should be which is {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have provided to XXXX, XXXX  and Transunion, proof that I have never been late on my XXXX  accounts. I have requested that they remove the lates. I have uploaded the proof they need dating back past when they said I was late. XXXX told me they reported it in error but still nothing has been done. I am extremely frustrated by the lack of help all three credit bureaus have been.

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 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
US Bank - mortgage with this bank - XX/XX/19 - made payment of {$3000.00} via bill pay from my bank to US Bank ; they applied that to the principal on XX/XX/19 - US bank drafted payment of {$1200.00} on XX/XX/19 and applied to the principal and interest ; then reversed it on XX/XX/19 ; I cancelled auto draft on XX/XX/19 and USbank was not authorized to draft the payment anyway and thats why I mailed {$3000.00} payment ; - bank says {$1200.00} was applied but it is not in transaction history ; this was additional payment which was never applied to the principal - USBank now denies refunding additional payments

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 2019-07-16 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: OH

Complaint narrative:
I have contacted ALL businesses by certified mail as well as all three credit bureaus pertaining to my issue. I have MANY hard inquiries on my accounts as result of my information being compromised and i had placed a security alert on my credit reports because of that, and even after doing so my credit was run over 20 times!!!!! I was never once notified or asked to give the identifying information required with the security alerts placed on my account, and now my credit is suffering immensely. Legal action is my next route if this does not get fixed in a timely manner, as it has already been way too long, and i have already addressed the issue will all companies involved and NOBODY has fixed their wrong doing. I was in chapter XXXX bankruptcy at the time FURTHER showing that the inquiries should not be on my account and again I was never notified or asked to confirm and allow my credit to be run!

Company response to consumer: Closed with explanation