vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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:
I leased a vehicle from GM-financial. 
After returning the car to the dealership I was waiting for a final bill. 
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender. 
About 3 months later I was billed and paid the bill right away. 
GM-Financial has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points. 
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically. 
This has been done twice. 
I spoke to GM financial over the phone multiple times this past year. 
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report. 
For some reason this late payment still shows up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
I have repeatedly tried to dispute these accounts and when asked the credit reporting agencies to produce the Method Of Verification to support their findings, I never recieved any sort of physical documentation from either the credit reporting agencies inwhom is reporting these unauthorized accounts, nor the creditors themselves. I'm now demanding that these accounts be deleted immediately. ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$760.00}, {$510.00}, {$53.00}, ( 3 ) XXXX XXXX XXXX XXXX  {$760.00}, {$53.00}, please remove these accounts immediately.

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 2019-04-09 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: MO

Complaint narrative:
I have repeatedly tried to dispute these accounts and when asked the credit reporting agencies to produce the Method Of Verification to support their findings, I never recieved any sort of physical documentation from either the credit reporting agencies inwhom is reporting these unauthorized accounts, nor the creditors themselves. I'm now demanding that these accounts be deleted immediately. ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$760.00}, {$510.00}, {$53.00}, ( 3 ) XXXX XXXX XXXX XXXX {$760.00}, {$53.00}, please remove these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have repeatedly tried to dispute these accounts and when asked the credit reporting agencies to produce the Method Of Verification to support their findings, I never recieved any sort of physical documentation from either the credit reporting agencies inwhom is reporting these unauthorized accounts, nor the creditors themselves. I'm now demanding that these accounts be deleted immediately. ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$760.00}, {$510.00}, {$53.00}, ( 3 ) XXXX XXXX XXXX XXXX  {$760.00}, {$53.00}, please remove these accounts immediately.

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 2019-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have made three attempts to cash checks issued to me by XXXXXXXX XXXX drawn on a Bank of America account. The most recent attempts were done this Saturday, XX/XX/2019, I took a check drawn on a Bank of America account issued by my insurance company to my name and the name of my trust. I visited two separate Bank of America branch is one located in XXXX XXXX California on XXXX XXXX the second located in XXXX California on I visited two separate Bank of America branches one located in XXXX XXXX California on XXXX XXXX the second located in XXXX California on XXXX XXXX. Although, I presented my personal ID, my California drivers license, and gave them a copy of the trust itself which is in my name. neither branch would not honor the check unless I deposited it into an account at their branch and created new trust account with them. I explained to them I was not required to have a trust account as it was a personal trust dealing only with my home, however they still insisted that I would have to open an account with them to deposit the check and they would not cash it.

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 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TN

Complaint narrative:
OnXX/XX/XXXX,2019 I was notified that I had a new debt collector on my credit report at the time I immediately contact the company which was close at the time. I had no clue who this company was and why it came on my credit report. After doing research I figured out It was a company called XXXX XXXX XXXX and that someone had stolen my identity and utilized it to obtain a apartment in which Im guessing they was evicted from. I notify the apartment complex in which they didnt care at all. I also on Monday afternoon contacted Pro Collect Debt Agency in which I was put on hold twice before speaking to someone also the phone was disconnected in my face for no apparent reason. Upon finally getting in touch with someone who introduced himself as Mr. XXXX located in XXXX TEXAS  THAT WORKS FOR PRO COLLECT DEBT AGENCY who didnt seem to have a supervisor he claim he was the highest rank in charge. However he was so impatient, rude and extremely unprofessional with me and didnt care at all that my identity had been stolen or compromised and that they had made a mistake on their end. He didnt want to explain the fraud process to me kept putting my on hold for no reason and was not understanding or pleasent at all. Im already frustrated with this process dealing with Identity Theft this is overwhelming not knowing answers etc. To get treated like he treated me Is unacceptable.

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 2019-04-09 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:
I leased a vehicle from XXXXl. 
After returning the car to the dealership I was waiting for a final bill. 
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender. 
About 3 months later I was billed and paid the bill right away. 
XXXX has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points. 
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically. 
This has been done twice. 
I spoke to XXXX XXXX over the phone multiple times this past year. 
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report. 
For some reason this late payment still shows up on 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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I leased a vehicle from XXXX. 
After returning the car to the dealership I was waiting for a final bill. 
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender. 
About 3 months later I was billed and paid the bill right away. 
XXXX has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points. 
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically. 
This has been done twice. 
I spoke to XXXX XXXX over the phone multiple times this past year. 
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report. 
For some reason this late payment still shows up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vargo & Janson PC
State: CO

Complaint narrative:
Im going to state this again Im beyond fed up with XXXX and XXXX XXXX  and XXXX   XXXX. I have had funds taken from me while I was in school and filed complaints on here yet they claim they didnt know I was in school which is a flat out lie. I have multiple records from all my previous complaints. This has been going on for several years and no they will not get to garnish anything else from me .i have stated I didnt recognize these bills and someone has been able to get my information and was using it. They used it to buy things in my name including phones this is reported with the XXXX XXXX police and other fraud companies. I have now frozen my credit. I never had a card in XX/XX/2007. I do however think its absolutely ridiculous that these companies and collectors have continually bugged me for several years. No you will not get any more funds from me period go jump in a lake. I will fight this until all my funds are returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is to verify that I have filed many complaints against Wells Fargo et al. One of the affiliates of Well Fargo is XXXX XXXX, XXXX XXXX of the Law Offices of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX, California XXXX. Not only is Attorney XXXX XXXX representing Wells Fargo in the background, but he is the attorney for XXXX XXXX XXXX XXXX, XXXX the company that illegally purchased my family 's home, and is attempting to evict my family without any remorse whatsoever. Attorney XXXX XXXX is steadily sending threatening and harassing letters to my family 's home, and he is sending employees of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by my home on a continuous basis. Attorney XXXX XXXX refuses to work cohesively with my family, and insists on throwing us out into the street. I am going to make contact with the U.S. Congressmembers so that they can do extensive research on XXXX XXXX, and XXXX XXXX XXXX XXXX, which is also a direct affiliate of Wells Fargo, AKA. Wells Fargo, I hope that your new CEO XXXX XXXX XXXX has more ethics and morals that XXXX XXXX XXXX, former CEO of Wells Fargo. Again, have a conscience Wells Fargo, and rescind the sale of my family 's home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMERICN EXPRESS have a new system in place with fraud reporting/Dispute reporting ... they put you on a blackilist so the system does not let you process the dispyte and they put you on an extra long hold because they recognize your cell phone number and do not let you report the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
I'm very disappointed in the handling of the major credit reporting agencies inwhom is responsible for whats being reported on my report. I have disputed these accounts but its obvious that imma have to file suit against the credit reporting agencies. There's a reappearing account ( XXXX XXXX {$1000.00} ) inwhich according to the FCRA when this happens the credit reporting agencies shall notify the consumer within 5 days. Also these following accounts are not mines, ( 1 ) XXXX XXXX XXXX {$1000.00}, ( 2 ) XXXX XXXX XXXX  {$920.00}, ( 3 ) XXXX  XXXX XXXX {$730.00}, ( XXXX ) XXXX XXXX {$26000.00}, I'm demanding that these accounts be removed immediately 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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I began working on my credit a couple of years ago at which time I had to go through debt and sort it out. So one of the things I was able to get off the report was a XXXX XXXX do that was very old and not accurate. Somehow after having a clear report for at least a year it shows up under the name XXXX for the same debt. It is a closed account but has been taking care of a couple of times. I would just like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
After receiving a copy of my credit report I realized I have a fraudulent hard inquiry. Please remove this fraudulent hard inquiry from my credit report. XXXX  XX/XX/2019

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 2019-04-09 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I received a copy of my credit report and I realized I have a fraudulent hard Inquiry from Synchrony Financial. I contact them by phone, by mail, I complained I they havent removed this fraudulent hard inquiry from my credit report. XXXX   XX/XX/2019

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 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My complaint is with lack of transaction record traceability and possible data breach with CIticard. 

On XX/XX/2019 at XXXX XXXX  Eastern, I made three transactions with XXXX on the XXXX website for a total of approximately {$5600.00} using my Citi credit card. I received a total of 8 standard alerts from Citi - 3 email and 5 text - confirming that these three transactions were made and that my card was not present. Standard stuff. When the merchant did not acknowledge payment within about an hour, I went to my Citi online account and saw the 3 transactions in " pending ''. I waited all day for confirmation from Citi and/or the merchant, and finally received an email from XXXX at XXXX XXXX  Eastern time on XX/XX/XXXX stating that XXXX not yet been paid. They said that I need to pay them within the next few hours or else my reservation will be cancelled. I immediately called the merchant ( XXXX ), and they said that my credit card company declined the transactions ( they should not have declined them since I have over {$21000.00} in available credit ). I then went back to my on-line credit card account, and discovered that the 3 " pending '' transactions had disappeared. So, I then called Citi, and spoke with 4 reps : a customer service agent, a fraud agent, a second customer service agent, and then finally a fraud supervisor, XXXX, in Citi 's Florida center. 

The first three agents were no help at all. Not only could they not explain why the transactions were declined, but they also could not even find any record that I had even attempted them. I tried to explain to the reps that I was a little gun-shy with Citi after my previous Citicard number had been compromised in the XXXX XXXX data breach last year, but they were unable to trace any of the 3 transaction on my account or see any of the 8 alerts. When I explained that I had 8 email/text alerts from them, and that I had previously seen the transactions on their website, they totally dismissed me. Very poor customer service. 

XXXX was much more helpful. She still could not see any record of the 3 transactions, but she at least acknowledged the alerts. She said that she will investigate and call me back within 24-48 hours. In the meantime, I have had to lock my card in case Citi is experiencing another breach. 

So far, I've wasted more than an hour on this incident, I've lost the use of my credit card, and I might lose my vacation rental reservation. 

How can Citi simply lose all record of my transactions and their email and text communications to me?????

I need Citi to fix this 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 2019-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Integrated Recovery Services
State: CA

Complaint narrative:
While attending college in XXXX, I received a number of scholarship, the amount of money I received was more than needed to take care of expenses, so on XX/XX/XXXX, I purchased approximately {$8000.00} worth of money Orders to have funds available and for a rainy day. Recently, I started restoring my 1972 XXXX and wanted to use the remaining Money Orders to finance the needed repairs and body work. 
At the time of purchase, I banked with XXXX XXXX XXXX. XXXX XXXX used Integrated Payment Systems Incorporated ( XXXX XXXX ) XXXX Colorado a third party vendor to issue their Money Orders ; however XXXX XXXX XXXX was the payer for NA and XXXX XXXX California. 
When I deposited the checks into my XXXX XXXX XXXX checking account, they were returned on the grounds : 1 closed account, 2 unable to locate account, and 3 Non-Negotiable. 
I was advise to go to XXXX XXXX which I did. The XXXX XXXX XXXX in XXXX XXXX, told me the checks needed to be presented to XXXX XXXX, because they took over XXXX   XXXX XXXX in XXXX. 
When I went to XXXX XXXX, I was told they acquired XXXX XXXX assets and liabilities. However, because the money was sent to a third party vendor Integrated Payment Systems, and XXXX XXXX was their affiliated Bank in XXXX XXXX ; XXXX XXXX had to negotiate them. 
When I returned to XXXX XXXX, I was told the Money Orders had to be authenticated. After they had authenticated them, XXXX XXXX said it had to make a claim for lost or unclaimed funds with the XXXX of XXXX 's XXXX. 
Two weeks later, I was told to contact Integrated Service. When I did, I was told by Integrated Service XXXX XXXX was the payer. 
Shortly thereafter XXXX XXXX Sent back their copies of the Money Orders stating they were too old to process. This in my opinion is not a valid explanation, because there is no expiration date on the Money Orders and I paid for them with cash.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-09 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: NY

Complaint narrative:
i am a victim of fraud regarding an account called " XXXX XXXX XXXX  '' on my credit report. i sent a letter of fraud disclosing a form of the FTC REPORT # XXXX with a request to block fraudulent account as it states in the FCRA-605B and the company refuses to block or remove account from my credit report that is preventing me from receiving credit

Company response to consumer: Closed with non-monetary relief