vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has not been helpful with me or my profile they are intentionally trying to damage my credit profile and my life. I have filed a lawsuit against them and they are going out of their way to damage my reputation and my credit file. They took off 2 authorized user on my account which then dropped my score. Now I can not obtain credit for my business because of this terrible act. They are being spiteful because I'm suing them.. I need some assistance in stopping this criminal act ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I tried to pay my walmart Mastercard monthly balance early last XXXX and That payment was applied to the previous month and then for the month of XXXX my account was marked late. The walmart Mastercard is designed to make money from this countries poorest individuals from interest rates and late fees. If you pay your balance off every month, they are not gaining anything and therefore make it impossible to keep the account. Then walmart cut off my card and I paid off the full amount and it was opened again. It's my only credit card and so I pay the balance off every month now just trying to improve my credit score but every month even though I pay it on time they cut it off. Plus walmart is on my credit report like 5 different times for the same issue so I cant even get a different account. I thought paying the whole amount every month was a good way to improve my credit score but it's been a nightmare. I am scared to close the account because they never remove the negative things from my credit report and a closed account looks bad on me not them but the issuer is the worst credit agency I have ever had to deal with in my life.

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 2018-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
I traded in my car on XX/XX/XXXX. The dealer got a 10-day payoff. GM Financial also pulled another auto payment on XX/XX/XXXX, three days after the car was traded. This resulted in a {$1300.00} overpayment. 

GM Financial received the payment from the dealer and the car was paid off a few days after my payment was pulled. On XX/XX/XXXX, I called and requested that a refund be issued or that the overpayment be applied to my new loan. 

How long can they hold my money before issuing the refund or applying the funds? 

I was told they hold it 30 days unless I go to the dealer and have them send a copy of the front and back of the cancelled check and send them my bank statement showing the funds have cleared. My payment was an ACH payment initiated by them 10 days ago. They should have a way to verify it has cleared with having access to my personal banking information. I also am frustrated they have to mail a paper check when I have never paid them in that manner. 

Overall, I feel like this is a stalling technique even though my payments to them have always been on time. Even if they didn't want to refund it right away, why couldn't they simply apply it to my new loan? They would still have the money. Now I'm paying interest on {$1300.00} more than I should have to on that loan because they are holding my money hostage. I feel like this is an unfair trade practice because they are refusing to refund my money or apply that money to the loan for which they are collecting interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
This is the 3rd time I have had to file a complaint with the CFPB on Exeter Finance to get this corrected. I really dont understand. I file a complaint. Exeter Finance removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with Exeter Finance. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize Exeter Finance has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. Exeter Finance misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XX/XX/XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
transunions total dud false advertsing on their page XXXX XXXX XXXX as just visa deceptive practice have them remove it from their company site

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 2018-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
After repeated communications with Resurgent Capital Services and XXXX XXXX XXXX that this is a fraudulent debit, they continue to try to collect on the debit. 

Please note that Resurgent Capital Services and XXXX XXXX XXXX have not provided an executed contract between the debtor and myself only an " ACCOUNT SUMMARY REPORT '' which could easily be developed without an executed agreement. Based on the ACCOUNT SUMMARY REPORT, the origination date with original creditor was XX/XX/XXXX, and the last payment was XX/XX/XXXX. At this point in time this matter is not within the Statue of Limitations. 

Please consider this a matter similar to XXXX XXXX and fine Resurgent Capital Services and XXXX XXXX XXXX XXXX XXXX ( XXXX ) dollars to stop there practice of extortion, harassment and violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX total dud false advertsing on their page XXXX XXXX XXXX as just visa deceptive practice have them remove it from their company site

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 2018-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX XXXX payment. {$1600.00} XX/XX/XXXX XXXX payment. {$390.00} XX/XX/XXXX XXXX PAYMENT {$750.00} Future attempt to seize paycheck {$810.00} I have asked since day one to provide proof of purchase. Only thing delivered has been a balance statement. None of the statements have any item for what was purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: FL

Complaint narrative:
This is the 3rd time I have had to file a complaint with the CFPB on XXXX XXXX to get this corrected. I really dont understand. I file a complaint. XXXX XXXX removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize XXXX XXXX has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. XXXX XXXX misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: FL

Complaint narrative:
This is the 3rd time I have had to file a complaint with the CFPB on XXXX XXXX to get this corrected. I really dont understand. I file a complaint. XXXX XXXX removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize XXXX XXXX has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. XXXX XXXX misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing 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 2018-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
XX/XX/XXXX XXXX payment. {$1600.00} XX/XX/XXXX XXXX payment. {$390.00} XX/XX/XXXX XXXX PAYMENT {$750.00} Future attempt to seize paycheck {$810.00} I have asked since day one to provide proof of purchase. Only thing delivered has been a balance statement. None of the statements have any item for what was purchased

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 2018-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have received several debt collection letters from Portfolio Recovery, on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. All of these letters state that I owe {$2100.00}. I have no idea what this is or why they are attempting to collect this amount from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Opted out of all marketing three or four months ago. Current XXXX XXXX employee that must shred anything with my address for security reasons. Company XXXX XXXX XXXX sent me marketing with pre-approved offer anyway. Tried calling, line always busy or closed. Not interested in their trash.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Since XX/XX/2018, Pay Pal has been holding my money while purporting that other accounts belong to me. I have demanded that Pay Pal, Inc. validate their claim of this alleged debt and Pay Pal, Inc. has met this demand with dishonor.

Pay Pal, Inc. has admitted that one account does not belong to me and was in fact identity theft. Neither of these alleged debts have been validated and it is now XX/XX/2018, while Pay Pal, Inc. is still withholding {$240.00} from me.

This is a direct violation of the FDCPA ( federal law ) in which Pay Pal, Inc. is subject thereto. I hereby demand that Pay Pal, Inc. return my money immediately. If Pay Pal, Inc. wishes to no longer do business, they should issue a check for my funds and close the account since Pay Pal, Inc. has not validated this claim after having more than 6 months to do so, while the law ONLY permits 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: GA

Complaint narrative:
XX/XX/XXXX {$3100.00} PERFECTION COLLECTION LL XX/XX/XXXX {$400.00} PROFESSIONAL COLLECTION XX/XX/XXXX {$340.00} PROFESSIONAL COLLECTION XX/XX/XXXX {$920.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I I have sent letters multiple times even file dispute cases with each credit company and nothing has happen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I currently have 4 separate student loans that I have been paying on for years with nelnet, XXXX, XXXX XXXX and XXXX XXXX XXXX, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX  and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with nelnet and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with XXXX XXXX XXXX just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, XXXX XXXX increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with XXXX of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, nelnet said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Vehicle loan or lease — Lease
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: IN

Complaint narrative:
I discovered in XX/XX/2018 I was reported as having missed a payment in XX/XX/XXXX and XX/XX/2018 on my leased vehicle through GM Financial. I had automatic payments set up through the GM financial website. I verified through my bank statements that I made my payments on time. I went on the GM website and discovered that my XX/XX/XXXX statement was not on their website and was the only month missing. I looked at my payment screen and it showed my account had no past due amounts. I contacted GM financial multiple times and they stated I owed back taxes from where I previously lived in Virginia. However there was no XX/XX/XXXX statement to reflect this and their website ( payment screen ) didn't reflect I owed any taxes. So I was not aware of this until I inquired about the matter in XX/XX/XXXX. The customer service agent for GM financial stated they could place a corrective letter to my credit report. This matter has still not been resolved as of XX/XX/XXXX. I feel it's unfair to penalize me for payments I was not aware of and from a statement that doesn't exist on their site. These are the only negative remarks on my credit and dropped it 70 points. I would like GM financial to honor their word that they would fix my credit, update their website to reflect what I truly owe in a timely manner, and maintain all of my monthly statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Fleet Financial, Inc.
State: PA

Complaint narrative:
I received an email from XXXX XXXX regarding an application for vehicle financing which I never applied. I sent a request of specific reasons for denial. They sent a letter dated XX/XX/2018 to send a letter to their Finance Director with  address on letter which I complied. The letter was returned as not unable to deliver. I am concerned as how they obtained my social security number or address. 
I only tried a lender in Texas and then eventually returned to dealership for their assistance to purchase my car at end of lease. I would like to know how this company obtained financial information without permission. Also, is the company fraudulently requesting information? Their inquiry wreck my credit worthiness and cost me a higher loan rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: Choice Recovery, Inc.
State: FL

Complaint narrative:
The account with Choice Recovery , Inc., has been paid in full but it still shows in collections on my credit report. I need Choice Recovery, Inc., to report the debt as paid in full in order for me to close on a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Over the summer, my Gold card was enrolled in Spend $ XXXX/earn XXXX points with American Express . I met the criteria spending a total of {$12000.00} but have not received my points. I escalated my concern to Ms. XXXX XXXX, Executive Assistant for American Express, who informed me that I had already received those points in XX/XX/2018. 

The situation in XX/XX/2018 involved me relocating from XXXX to XXXX and, after speaking with an AMEX representative on the phone and updating my mailing address, the Blue AMEX credit card was incorrectly mailed to my old address American Express had not updated my address. Ms. XXXX stated that because of the inconvenience, I would be eligible for XXXX if I spent {$4000.00} on my other AMEX credit card the Gold card. I met the spending requirement and received the XXXX points in XX/XX/2018. 

The two situations are completely different : the XXXX points I received in XX/XX/XXXX were a customer service initiate for sending my Blue AMEX card to the wrong address ; the overnighted a new card to me, since I had not received in my credit card in 2 weeks. 
This situation involves promotional points that I rightfully earned by spending {$12000.00} over the course of three months and am eligible for XXXX points. I have a screen shot of the conversation I had with an AMEX customer service representative in addition to the confirmation codes for the three separate times I met the criteria for XXXX points.

Company response to consumer: Closed with explanation