vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 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 me as an Authorized User on XXXX/XXXX  partial account number ****XXXX. ( Please see pages 3 and 4 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 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 2019-06-14 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 me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 3 and 4 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 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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I requested my annual report and it said i was unable to get access to it. I tried to get it XX/XX/2019 i then call both companies and they werent able to help me.

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 2019-06-14 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I had a car financed with Credit Acceptance and the engine blew. I called them and and they asked if I wanted to return it but never indicated that it would be considered a repossession. Had I known I would have kept the car even though it wasn't running. I just don't understand they never at any point indicated that it would report negatively on my report. We also agreed on a settlement for which I paid. I don't think that is correct that there was no mention that the account would report bad since they are the ones that recommended turn it in.

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I attempted to reach Experian to receive my free credit report on XX/XX/2019. 
I used three different telephone numbers, one of which I obtained from FTC ; the other two from the official Experian website. 
Their consumer call center asks for identifying information, then promptly offers only two options, neither of which are applicable. 
There are incorrect addresses as well as variations of my name that are incorrect, along with other questionable information. 
There are no phone options to address any of these. 
In addition, Experian did not display my free credit report. 

I believe that this is a right of consumers. 

Thank you for your attention.

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
data breach from equifax has caused me to have 3 social on my credit ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I requested my annual report and it said i was unable to get access to it. I tried to get it XX/XX/2019 i then call both companies and they werent able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
In speaking with Union Bank about refinancing, I was only information gathering. A few weeks later, I decided to move forward but with a different agent. The first one, XXXX XXXX, in their XXXX, AZ office, I felt was pressuring me to commit very quickly ; I now believe it was because she was trying to commit me to a 4 % loan just days before the rates dramatically lowered. When I then spoke with someone in XXXX, CA, he told me she had locked in that rate and there was nothing they could do for 90 days!! I did not agree to a rate lock. I did not authorize this girl to do so and now they were claiming because she did there " is nothing we can do. '' A couple days later I started getting calls/emails from 3 people ( XXXX XXXX and XXXX XXXX in XXXX ) and XXXX XXXX in the XXXX office. XXXX admitted in an email that this girl locked in this rate with no authority or consent, but all 3 have refused to apologize or quote me anything better than this horrible rate. Then I got a call supposedly from someone from the " office of the president '' but the president was not identified. I returned that call, got voicemail and no one returned the call. 

All in all, I feel Union Bank was clearly committing fraud and using deceptive practices and when they were found out, they refused to apologize and make good. Truly a horrible, horrible bank.

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
data breach from XXXX has caused me to have 3 social on my credit ftc violation

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 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back in XXXX of 2018, I applied for a home loan with BBVA Compass,  when my income was three times less than it is now, and I got approved, but we were not able to close due to some FHA stipulation on gifted money. I was told by Manager XXXX XXXX, that in six months I could get the loan. I recently re-applied for the home loan with again, but this time I got deny, although my credit is XXXX and my income is much 3 times higher, I still got deny. The loan officer XXXX XXXX said the reason was because on my taxes the financed property does reflect as my primary residence. I asked to have the loan re-processed as an investment property instead, but I have not heard from anyone on the matter. The loan officer said she will re-summit the application as an investment property, but I have inquired on the status by emailing my loan officer on multiple emails, but she has not updated me with any information ; whether the application is being reviewed or no. I have also tried to reach out to the loan department manager XXXX XXXX on many many occasions, but he has not been professional enough to acknowledge my calls or have someone else follow up. I dont know what to think about BBVA and  how inconsistent this bank is regarding costumer communication. Two days ago I called and spoke to a XXXX XXXX and she sworn to me that she was going get more information on the matter, and that she will get back with me herself or someone else, again, no communication. I havent heard from her or anyone. This bank lacks communication quality and has a very poor customer relations. 

Loan application number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I'm a member of Amazon Prime through a family member and wanted to take advantage of the 5 % cash back rewards card Amazon was offering. Since I am not directly a XXXX XXXX, I called Amazon on XX/XX/XXXX, XXXX around XXXX and spoke to XXXX from Amazons customer service department to confirm if I would still get the full benefits ( 5 % cash back rewards ). I was assured that if I received the benefits of Amazon XXXX ( such as free shipping ), then I would be eligible for the 5 %. Based on the information received from that call, my concerns were satisfied that I would receive the full 5 % cash back so I opened the credit card. 
On XX/XX/XXXX, I registered my credit card account online and found that I would only receive the 3 %. I called Synchrony Bank who put me in touch with Amazon, who I was told handled the rewards aspect of the card. After speaking with customer service, I was told that I was an " invited guest '' and would not be eligible for the 5 %. 
Had I known I would only get the 3 % rewards, I would not have opened up the credit card, which impacted my credit score. Given that I called specifically to confirm my rewards eligibility, I can't help but feel like this was a bait and switch by Amazon to entice people to sign up for their credit card. 

I asked to speak with a manager and was told they would return my call that day ( the XXXX ). Today, Friday the XXXX, I called back after hearing nothing and spoke with a manager ( XXXX ). I was definitively told Amazon would not be able to grant me the 5 % unless I was a paying XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I paid off my consumer Loan with XXXX XXXX XXXX. Now Whitney Bank is calling me stating the loan was not paid off I owed them {$7.00} and now late fee charges because they have no way to see what XXXX XXXX XXXX did to process my payoff. I told them several times it was paid now they want me to locate the note stamped paid and bring it in to the bank to clear this up. I do not think it is fare for me to have to prove I paid off the loan prior to Whitney receiving the loans from XXXX XXXX XXXX. I did my part and paid off the loan now I have to prove to the company who took over the previous company I paid off the loan because they made a mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Around the end of XX/XX/2019, my husband and I were looking to book a flight for an upcoming trip to XXXX XXXX. The XXXX XXXX site was advertising a promotion offered by Chase ; specifically, a {$250.00} statement credit to open a new revolving account with Chase. We both thought this was a good deal and sought to take advantage of Chases on-line offer. There were problems with the site, but I was able to log back in and eventually book my flight and obtain approval for the credit card. My husband experienced more difficulty with the site and was not able to complete his transaction until the next day. 
We received our first statements from Chase about a month later. Although my husband did, in fact, receive a {$250.00} credit on his statement, I did not receive it on mine ( copies enclosed ). I immediately phoned Chase and was told by a representative that I did not apply for this offer ; I was told that the offer I applied for entitled me to some sort of bonus miles, which I did not need or want, since I seldom travel. 
I asked the representative, and then a supervisor, if they could switch the bonus miles to the {$250.00} statement credit that I applied for, and I was told they could not. I escalated the complaint, and Chases final answer to me on XX/XX/XXXX was that they could not assist me, and I got what I applied for. 
I am disappointed in this unfair treatment by Chase. I followed the instructions on the website to apply for the {$250.00} offer. I never read about another promotion, nor did I intend to apply for any other promotion. I am only asking Chase to honor a bona fide offer that was in effect on the day I applied for it, and for which I intended and believe I did apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I purchased a Western Union ( WU ) Money Order # XXXX for the Amount of {$440.00} at the XXXX XXXX   Store located on XXXX XXXX, XXXX XXXX Pa, XXXX in XX/XX/2018. 

The money order was rejected and send back to me. I contacted Western Union for a refund. I was told to send a copy of my particular and the stub. I mailed in the requested information but until now I have not received my refund. 

Every time I call customer service @ Tel : XXXX as I'm instructed to do on the Money Order I will be told there Amount of {$440.00} " Can not be located ''. I tried the check account number # XXXX but to no avail. 

I'm asking that you please use the services of your good office to help me get back my money ( refund ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity Bank let some one open 12 different credit cards in my name, they are all identity theft and that was obvious because they open so many. I was affected by the XXXX and several other breaches and i tried to tell them this was fraud and they wont respond and keep putting these on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing Company has been unable to resolve this issue for about 5 years. They say I'm behind on mortgage payment ; I have sent them proof of payments, copies of cancelled checks for the past 5 years and have called them but they have not reconciled their data. They are unable to tell me when was the original date they claim I missed the payment. I have stopped calling them because it is a waste of time. I get bounced from one person to another with no resolution. They keep asking me to send more paperwork which I have faxed, sent by registered mailed, etc. In the meantime, they keep adding fees because they say I have not paid the total amount to bring the loan current. They are not applying my payments to the loan and hold it for 3 months before it is applied as paid. 

On the last invoice they added {$320.00} to the amount due for escrow ( taxes and Insurance ). There should not be an escrow account on my loan because I pay for the Taxes and the Insurance ( always have ) .I have sent them proof of that but again they are unable to keep their records straight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Try to Apply for Employment & On Line Pop Up That I have to Pay {$1.00} to Apply for a Job. Pay to Transunion. we were agree. When we received {$1.00} Charges & {$19.00} ( Which i was not aware of that ). Until came On My Credit Card. I call My XXXX XXXX XXXX Card Company. They refuse to remove it. I call Transunion They Refuse it also. We would like to have a Refund of that {$19.00} from Tranunion.

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 2019-06-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is allowing companies to report false information on my credit report. They claim that they have investigated but they do not have on evidence on file or any evidence that they can provide to me that can substantiates the false reporting on my credit report. 
The following companies are reporting false information. Experian is allowing XXXX XXXX to report negatively on my account, I have never been late or past due on any account with them. Experian is allowing XXXX XXXX to falsy report and they have has not been able to prove that I owe them anything. They have put my name on a family members account and charged me with the debt. I never contracted with this company. The company can not even provide a signed contract with my name on it with or without a signature. Experian has allowed XXXX reports that I have been late and its not true. Experian refuses to investigate and provide documentation or proof that I was ever late with this company. Experian is allowing XXXX XXXX to falsely report although the account was fully paid. Experian refuses to investigate or provide me proofs or evidence of any of these false reports. Please have Experian remove all these accounts from my report immediately. They are willfully breaking the law. They have caused me irreparable harm.

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 2019-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
On XX/XX/2019 I received an e-mail stating that my payment had not been received for my leased XXXX. As I had set up auto-pay in the past for the full amount due I worried that something had changed with my bank account. Upon logging in to their website I found that they claimed I owed money due to underpayments for the past two months. Those underpayments were now considered " overdue '' despite the fact that I had not received any notification that I was underpaying. 

When I called GM Financial their representative stated that I owed the amount I agreed to pay on my lease and made it clear that the website taking the wrong amount was not GM Financial 's problem. I never claimed to not want to pay the correct amount of my lease but rather that the website was taking the wrong amount out. At which point the representative informed me that the shortage was taxes owed on the lease. 

The issue here is that I told them to pull what ever I owed them from my bank account at a set time each month. Yes, I need to meet my contractual obligation to pay them but they also need to fix their site so that when I set up autopayment for the " amount due '' it takes out the correct amount. They also need to clean up their communication so that I get notified in a timely manner that my payment isn't sufficient to cover what I owe. Because in my mind I've already met that obligation by giving them my bank account and telling them to take what I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Goldsmith & Hull A.P.C.
State: CA

Complaint narrative:
This is the 2nd complaint about a debt that was paid in full in 2006. XXXX XXXX Court records the case XXXX has been closed, debt settled and paid. The debt was paid through court ordered wage garnishment which was completed and terminated, paid in full in 2006. It is now 19-20 years later and the new collection corporation Goldsmith and Hull, http : //www.goldsmithcalaw.com XXXX is attempting to collect on a debt that is no longer owed, and not valid : completely unlawful. In addition, a representative name XXXX contacted me on my work phone, at a XXXX XXXX, identifying the company as Goldman and Hall and threatening that the Sheriff would serve me wage garnishment orders. The previous Law Corporation :  XXXX and XXXX, that had this record has already advised that there would be no further contact with regards to this account and no further collection activity and that the case has been closed by their office and the matter has been deemed resolved. Yet here is another " law office '' attempting collection activity on the same debt that was already paid.

Company response to consumer: Closed with explanation