vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the GM Financial to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the GM Financial. Then, I checked my GM Financial account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to GM Financial and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks GM got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to XXXX  and XXXX. Which they never delivered and they ultimately asked me to do that, too!!!!

1. I did file a dispute with both XXXX  and XXXX and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to GM Financial again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should GM not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX had informed me that the my payments were current. A credit report showed that i was in good standing in 4 loans but not the 7 other loans. I called the customer service rep and they informed me that i was late on 10 loans, and that i should consider placing the loans on deferrment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
On XX/XX/2018 I submitted to XXXX XXXX XXXX XXXX an application regarding my exemption from state property tax. It has been three months since I submitted all the paperwork required for a tax exemption. I have called numerous times with no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I have noticed all my funds has been withdrawn and Citibank customer representative confirmed that my checking and savings accounts has been closed due to reason they can not share. The representative confirmed my billing address and told me that I will know the reason of account closure in mail. Until today XX/XX/XXXX I have not received this mail. 

I went to a local branch ( the exact location where I opened my account ) XXXX XXXX XXXX XXXX Citi branch on XX/XX/XXXX and the banker told me that they have mailed ( XXXX ) my remaining funds in checking/savings account in two separate shipments. Even today I still have not received this check. I then chatted with online chat person to check on my shipment and told me that the shipment has been returned. No exact reason was mentioned and yet again confirmed that my billing address is correct. 

I then went to the branch again today XX/XX/XXXX to talk about my funds. The personal banker told me that they will have to resend it and the resending process will need to be done manual my the banker in present. The banker was extremely eager to talk to new customers and wanted to get rid of me due to the fact that I am no longer their client and don't bank with Citi. Yet again, I have not received confirmation from the bank officer that the resending process has been initiated and don't know the status on my funds. I want to emphasize this point that there is a clear discrimination/priority against closed client vs. new clients. In certain extent I understand this but, the account was closed by the bank and not by me. This is no way a person should be treated after being a loyal customer. 

This total ups to 3 separate attempts for me to re-collect my funds and Citi has been avoiding/not giving clear status/deferring action against the return on my fund. This seems like a clear violation of Reg and who  knows if they are using my funds to for prop trading/bank loans etc. CFPB please investigate this

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 2019-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliant Capital Management LLC
State: SC

Complaint narrative:
They threatened legal action against me if I did not set up a payment plan with them. They already took money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/XXXX. 

This happens regularly. 

The account will have some amount of money, and two charges will go through.

The bank will take charges such that they can get TWO overdraft fees.

If I have {$5.00} in the account and there are two charges ( let 's say {$6.00} and {$4.00} ), then this bank will take the {$6.00} transaction first ( balance of - {$1.00} ) and then another {$4.00} ( balance of - {$10.00} ).

If they had taken it the other way around, ( {$4.00} and THEN {$6.00} ), it would have only necessitated ONE overdraft fee. 

Acct # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12 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: CA

Complaint narrative:
On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the XXXX XXXX to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX or XX/XX/XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the XXXX XXXX. Then, I checked my XXXX XXXX account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to XXXX XXXX and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks XXXX got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to XXXX  and Transunion. Which they never delivered and they ultimately asked me to do that, too!!!! 
1. I did file a dispute with both XXXX  and Transunion and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to XXXX XXXX again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should XXXX not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you

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 2019-02-12 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: CA

Complaint narrative:
On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the XXXX XXXX to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX or XXXX of XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the XXXX XXXX. Then, I checked my XXXX XXXX account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to XXXX XXXX and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks XXXX got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to Experian and XXXX. Which they never delivered and they ultimately asked me to do that, too!!!! 
1. I did file a dispute with both Experian and XXXX and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to XXXX XXXX again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should XXXX not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you

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 2019-02-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is not allowing disputes to be filed on-line. They continue to state, over 30 days now, that they are having " technical difficulties ''. These actions are causing consumers to have incorrect information on their credit reports causing lower credit scores, and thus potentially higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: VA

Complaint narrative:
My wife and I began the process of purchasing a new home with XXXX XXXX in XX/XX/XXXX. During our initial and consequent visits, we made it clear to our sales representative XXXX. XXXX that it clear that we not in a rush to move but we loved the development. We eventually decided to purchase to get ahead of the process with an expected closing date of after XX/XX/XXXX around XX/XX/XXXX. The day we picked the house, it was casually mentioned to us that we have to make a down payment based on 5 percent of the selling price instead of a preapproval letter as a way to get our skin in the game. 

When we got home that Sunday evening, we received a email to make a {$6000.00} payment that was due in 24 hours and to XXXX some paperwork which we did. Next we realized we were expecting a baby and decided it will not be prudent to make a huge financial commitment with a baby on the way and my wife expected to work less. Our saleswoman XXXX.XXXX gave us a hard time even though at that point her manager did not sign the sales contract yet. She was convieniently off grace period for us to cancel the contract was over. My wife lost our baby on the same day. After which we decided to continue purchase the home. Fast forward, in our excitement, we signed other documents that moved our closing date to XXXX. We explained to Sister company ( NVR finance ) that we needed a later closing date so we not have to pay a {$2000.00} rent for our apartment since our lease is over in late XXXX. We have not received a response but we expect huge financial implications. 

In this day and age, I am surprised to see a notable business take advantage of your trust and excitement. So far, the process has been a nightmare. The lack of compassion, manipulative culture is pervasive in both the XXXX XXXX and NVR mortgage. I hope our example can help others. Hardworking educated people like my wife and myself who work 10-12 hours a days, 6 days a week would not have thought it will happen to us but it did.

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 2019-02-12 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: IL

Complaint narrative:
On 2 separate occasions ( XX/XX/2018&XX/XX/2018 ) I have submitted letters asking Transunion, XXXX and XXXX credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.

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 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Through XXXX XXXX product referral, I applied for a Wells Fargo Platinum CC with a 0 % intro rate for 18 months, and an interest rate of 13-27 % at the end of the term based on credit score and income. My credit scores were XXXX through XXXX, XXXX from XXXX, and XXXX from XXXX. WF issues the card with a credit limit of {$1500.00} with 0 % APR through XX/XX/20 and 27 % thereafter. My income annual exceeds the income of 99 % of US households and I have 98 % of available credit across 15 active accounts available. No one at Wells Fargo could explain what the APR would be at the same income and available % of credit with FICO scores differing between 850, 800, 750, 700, 650, etc. I believe that WF falsely advertised the lower 13 % interest rate as a means to trick consumers with good credit history to apply for a credit card that would always be a high interest credit card. Further, I do not believe Wells Fargo is using actuarial or any valid means of issuing credit to risk. I reported the issue to XXXX and XXXX XXXX as well as Wells Fargo. I closed the account with Wells Fargo without ever using it. However, they will be reported as a lender in my report as well as a hard inquiry, adversely impacting my FICO 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 2019-02-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This debt showed up on my credit report under a company named XXXX XXXX XXXX XXXX. The partial account # XXXX. The Original creditor is XXXX XXXX Of XXXX XXXX. This is not my debt at all. Never went to school there. I disputed this though Experian. My dispute Report # XXXX and on XX/XX/XXXX, they told me that it was verified as accurate, which can not be the case because I never went to school there and this is not my debt. This is however hurting my credit report and my score and hurting my process of buying a house. The amount of this debt is {$260.00}. This account was opened in XX/XX/XXXX in XXXX XXXX MI. I however live in XXXX OH. And at the time of this situation i was currently incarcerated and it was impossible for me to enroll into that or any other school.

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 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: IA

Complaint narrative:
( XXXX ) XXXX is the number they tell me to call. They are calling from this number though XXXX. It is a recording telling from XXXX XXXX. Stating that my account is been audited internally and that I need to call their office immediately before schedule advancement of my account. This will be their final call. They call me every day different number. They call my parents cell phones 10 times a week. Stating i owe XXXX. Doesn't say name of debt collector. Website given to go to is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
On my drivers license report check it indicates that I was sanctioned for vehicular homicide but that is incorrect. The charge was " XXXX XXXX XXXX XXXX '' as no one died in the incident and this can be verified by iowacourts.gov website and the iowa court system. I would like this fixed as XXXX XXXX is a lot more serious of a charge and implies that I am a XXXX even though I have never XXXX   anyone. Thank you. The control number is 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 2019-02-12 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I purchased lights with my XXXX XXXX Credit Card which is backed by Chase Bank. I made the purchase XX/XX/XXXX. I had issues with Chase so I closed my account, ( paid in full ) around the first part of XX/XX/XXXX. The lights did not work so I returned them. I called XXXX today, XX/XX/XXXX to  find out what happened to my refund and was told it went back on to my account that no longer exist. I have been on the phone with Chase and XXXX for 57 minutes today and my problem has not been resolved. Neither have decided to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Accounts 10 years old still on credit report

Company response to consumer: Closed with explanation