vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called XXXX earlier this month requesting a deferment on my loans for a few months, because I am willing, but currently unable to keep up with student loan payments. The customer service agent informed me that she could defer my loans for me until XX/XX/XXXX without penalties ( besides interest that might accrue ), and that deferring my loans WOULD NOT have a negative impact on my credit score. I got an update from the credit bureaus Transunion and XXXX on Monday, XX/XX/XXXX that my credit score had dropped 59 points. I opened my credit reports to notice that my XXXX  student loan status had been updated to " deferred ', which did in fact negatively impact 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 2018-09-14 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: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
urned in my XX/XX/XXXX XXXX XXXX lease with GM financial in XX/XX/XXXX under the provisions of the SCRA. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact GM. Received multiple statements from GM claiming that we owed money on the remaining payments while I was deployed to the XXXX XXXX. GM financial told us multiple times to disregard the statements that our account would be fixed since it was turned in under SCRA. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under SCRA. After several attempts ( probably 20 or so ) contacting GM Financial and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XXXX XXXX  the account still shows 60 days late on all three credit reporting agencies with updated dates inXX/XX/XXXX despite GM telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX which returned with an affirmation from GM Financial that the information was correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I recently opened an account with BB & T. I made a deposit of {$970.00} of three checks on XX/XX/18. On XX/XX/XXXX, ( seven days later ) I made 3 purchases using the debit card totaling {$75.00}. BB & T charged a {$36.00} overdraft item fee on the same date ( XX/XX/XXXX ). On XX/XX/XXXX, I made a debit card purchase of {$42.00} and BB & T charged {$36.00} for overdraft item fee. The account balance still showing that I have over {$700.00} available for use.

I contacted the BB & T customer service and asked as to why they were charging {$36.00} twice for overdraft fees. BB & T Rep explained that the deposit made on XX/XX/XXXX had a hold of 9 days ; I asked that if any of the 3 checks deposit were returned. BB & T said no.

I asked BB & T when the deposited checks were cleared by the other banking institution. BB & T Rep. could not provide that information. I believe that BB & T predatory policy and actions are designed to exploit the customer. BB & T did not have no valid reason for charging such outrageous fees from my own money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: GA

Complaint narrative:
I checked my credit report and saw a fraudulent account named Berlin-wheeler-ks, that was opened on XX/XX/2017. I have disputed the above with all three bureaus. The above mentioned is still being reported as a negative account trying to collect funds in the amount of {$98.00}. This is not my account and under the Fair Credit Reporting Act, this fraudulent account needs to be removed. The company I have hired to handle this issue, has recently informed me that an identity theft affidavit has just been sent off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FM

Complaint narrative:
I applied for a credit card account with Capital One but I was denied stating they could not verify my identity. Capital One never tried to contact me at all. I never received am email or letter in the mail, let alone phone call. XXXX, XXXX  and XXXX have all updated my telephone number associated with my fraud alert. 

XXXX stated : " We reviewed your complaint along with the information regarding this issue. Based on the complaint we contacted you directly, per our conversation, we have updated the phone number, XXXX, on your initial fraud alert. In order to protect your privacy, we have mailed a copy of your XXXX credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX   XXXX XXXX ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
urned in my XXXX XXXX XXXX lease with XXXX XXXX  in XX/XX/XXXX under the provisions of the XXXX. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact XXXX. Received multiple statements from XXXX claiming that we owed money on the remaining payments while I was XXXX to the XXXX XXXX. XXXX XXXX  told us multiple times to disregard the statements that our account would be fixed since it was turned in under XXXX. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under XXXX. After several attempts ( probably 20 or so ) contacting XXXX XXXX and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XX/XX/XXXX the account still shows 60 days late on all three credit reporting agencies with updated dates in XX/XX/XXXX despite XXXX telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX  which returned with an affirmation from XXXX XXXX that the information was correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: WI

Complaint narrative:
urned in my XXXX XXXX XXXX lease with XXXX XXXX in XX/XX/XXXX under the provisions of the XXXX. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact XXXX. Received multiple statements from XXXX claiming that we owed money on the remaining payments while I was XXXX to the XXXX XXXX. XXXX XXXX  told us multiple times to disregard the statements that our account would be fixed since it was turned in under XXXX. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under XXXX. After several attempts ( probably 20 or so ) contacting XXXX XXXX and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XX/XX/XXXX the account still shows 60 days late on all three credit reporting agencies with updated dates in XX/XX/XXXX despite XXXX telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX which returned with an affirmation from XXXX XXXX that the information was correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My XXXX report shows three inquiries from Ally Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have NOT had an account with this bank since XX/XX/XXXX. I have not applied for any loans, for any accounts, NOTHING from this bank. They NEVER had any permission to check my credit for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Credit Karma, LLC
State: GA

Complaint narrative:
I was checking my credit score on Credit Karma on XX/XX/2018 and saw a link that said 'See if you are pre-qualified for a personal loan. This will not effect your credit score. ' I clicked on the link and saw the offers and did not proceed. Few hours later, I get an email from XXXX XXXX XXXX ( XXXX ) with the creditor name : XXXX XXXX, XXXX XXXX XXXX, XXXX, AL, XXXX ; stating that my loan application has been denied and that my report was pulled from XXXX. I have not sent in any application to the above mentioned creditor, nor have I consented to my credit record being pulled for any loans. I have never planned to get a loan from XXXX XXXX cause I did not even know that company existed. I have sent a mail to the support email for XXXX XXXX   sand is waiting for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
My chexsystems report shows three inquiries from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have NOT had an account with this bank since XX/XX/XXXX. I have not applied for any loans, for any accounts, NOTHING from this bank. They NEVER had any permission to check my credit for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
As of this day XX/XX/2018 Chase Bank fails to verify that I own the charge offs that they are reporting on my Credit Report from all 3 CRAs I requested by certified mail on 3 occasions and complained on this portal and still no documents contractually bearing my signature as the owner of the accounts. And as of today XX/XX/2018 my XXXX XXXX still verified the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have been with Bank of America over 15 years. 
XX/XX/XXXX I trusted doing a secure XXXX transfer through the Bank Of America App. This transfer was to a company accepting transfers and charging clients through their Bank of America account. 
My services were to be rendered XX/XX/XXXX-XX/XX/XXXX and totaled XXXX which came out of my Checking Account. 
XX/XX/2018 an announcement was made by XXXX XXXX XXXX XXXX owner XXXX XXXX that she was closing business and that all were refunded. ( I have proof that this is untrue ). 
She claimed to be a nurse also which we believe she is not active. Mrs.XXXX also claimed that the recovery home was her property and that she was legal in running this business. I did research and found the actual owner, XXXX XXXX, who nearly had a XXXX XXXX when she found out what XXXX was using the home for. Mrs.XXXX  said that XXXX signed a primary lease agreement only. I will attach proof of this also ( see documents with texts to a number with a XXXX area code. 
I am among the many who have been scammed via XXXX XXXX, XXXX XXXX   and Bank of America. ( See attached proof ) I spoke to Bank of America representatives and was advised that all the bank can do is reach out to the owner and ask if it is okay if the funds can be debited and placed back in to my account. In addition, I was advised that because I willingly transferred the money, then it is not much they can do as far as refunding. I have offered proof of contract, dates, and services that were not rendered but they are firm in my transferring the funds being my fault. As a consistent customer I am disappointed. Proof should be accepted and this is not how a customer with morale and integrity should be treated. Bank of America is protecting the fraudulent members and neglecting the good ones. I am entitled to a full refund from this company at least 30 days away from date of services which is XX/XX/18. I am well within my rights. It is unethical to allow me to suffer as I am having XXXX which is why I booked this stay in order to recover out of state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I requested my auto pay be held for the month of XX/XX/XXXX, I spoke with a rep at BMWF on or around XX/XX/XXXX, she said she would request payment held until XX/XX/XXXX. Their web-site still shows payment to be pulled on or around XX/XX/XXXX, that rep did not do what was asked of her and needs to be corrected. I checked the site today, XX/XX/XXXX, it shows payment pending for XX/XX/XXXX, needs to held until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: KY

Complaint narrative:
There is a fraudulent account on my credit report from a XXXX XXXX XXXX XXXX and/or XXXX : XXXX XXXX XXXX   XXXX. I have previous disputed this fradulent report a few years back in which I waited more than 30 days but eventually it was removed. Well this scamming fraudulent collector XXXX sold their accounts to XXXX XXXX XXXX XXXX or vise versa and now today XX/XX/XXXX it has now re apearred. As i stated above i have previously went through the annoying drawn out process with both transunion and XXXX a couple years back but today i have yet again disputed this fraudulent so called debt with Transunion in which i was told they just report whatever the collectors say without following up or requiring proof from the creditors. I am the consumer who has to suffer when this happens until the problem is fixed. Everything nowadays requires credit of some sort. I was planning on getting a house which now i can no longer get because of this fraudulent report by transunion and XXXX. I want justice. Tbh im thinking about sueing. Years back when i disputed i was told to call the creditor because there was nothing they can do they just report. Yeah they do. Anything and everything and then try and refer you to their website and tell you to put a lock on your credit report in which they try to bill you. Its as if they allow fraudulent creditors to place fraudulent report on your credit report so that they can make money off of you. But i refuse. This is illegal! Everything i have ever owed i have paid in full if not more than what was borrowed in " XXXX XXXX XXXX XXXX '' Which was a government overpayment. In which i was charged taxes on but had to pay back. So i also want either a tax credit for the difference or my money back. Period. I have proof and would like that issue solved as well. The overpayment was XX/XX/XXXX- XX/XX/XXXX. But as i already stated there is a fraudulent report on my credit report that i keep having to dispute and is causing tons of emotional and financial damages. It should not be legal for a fraudulent creditor to sell fraudulent accounts to other creditors and still conflict more emotional and financial damages. I am fed up! Please do something about this before i pursue a lawsuit on any and every party involved in these matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: CA

Complaint narrative:
This complaint is in relation to credit reporting and debt collection, involving XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I've only been dealing with these companies the last couple of months, periodically. As recent as XX/XX/2018, XXXX XXXX  sent me a letter informing me that they had reported a debt on my credit report to a credit agency, Experian. I am very baffled by this action, but I currently have a written dispute with XXXX XXXX XXXX and XXXX XXXX  in place. Neither company have completed the validity of debt as requested within the 30 days when first requested. XXXX XXXX reported this debt without notification that it was being disputed. This is unfair and deceptive. I was informed by XXXX that XXXX XXXX purchased the debt, but XXXX XXXX indicated in the letter XX/XX/2018 that i must dispute the debt with XXXX. I have already disputed the debt with XXXX who was collecting on behalf of XXXX XXXX, and I was told that Navient, no longer own the debt. On my credit report, it indicates, I believe that XXXX {$0.00} and XXXX XXXX XXXX, which they added XX/XX/2018. 
Additionally, on XX/XX/XXXX, XXXX XXXX wrote me threaten that my employer would be contacted for wage garnishment. Initially, I thought why is this company contacting me about wage garnishment, attempting to collect a debt. I did not know nor did XXXX XXXX disclose that they were affilated with XXXX XXXX. This is unfair and deceptive in nature. I just want fairness and the intimidation tactics and unfair credit reporting to be removed. I would like to know the relation to all these companies because something is not right, and my rights are being infringed upon as well as, I'm sure many consumers. We as consumers are expected to follow procedural methods to dispute of a debt and these companies should be expected to complete the validity of a debt within the 30 days of the expected first request to the party who requested. This is a debacle and a scam that causing me distress and uncertainty. Please assist with fairness of this matter.

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