vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
WithGMFinancial,myduedatesareontheXXXXofthemonth.Iregularlypayovertheamountdue(amountdueis{$220.00},Iusuallypay{$250.00}).Inthepast,thishasresultedinlowerandlowermonthlyduesfrommyoverpayments.Lastmonth(XXXX),IwentonGMFinancial'swebsitetopaymybillontheXXXXasIalwaysdo.ThewebsitesaidthatIowed{$0.00}asoftheXXXX(Itriplecheckedthatiswasupdatedasoftheduedateandnotapreviousdate),soIassumedthatmyoverpaymentshadcaughtupandIlegitimatelyowednothingforthatmonth.IrecentlyreceivedanemailthatIhadbereportedasadelinquentaccount,whenthesitetoldmeIowednothing.Thiswasnotaproblemwithresponsibilityorfinancialstatus,butratherawebsitethatwasnotupdatedwhenitsaiditwas.IhaveneverbeenreportedasadelinquentaccountwithGMFinancialbefore,buttheyrefusedtoworkwithmeonthisissuewhenIfeelthattheywereinthewrongwiththeirwebsitebeingincorrectandnottellingmeaccurateinformation.Additionally,theyclaimthatmynumberisontheir"donotcall''list,andthatiswhyIwasnevergivenaheads-up-Ineverrequestedtonotbecalled(Iamsureofthis).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: CITIBANK, N.A.
State: PR

Complaint narrative:
I have NEVER had XXXX XXXX card  nor home depot card. I have never used any name ending in XXXX. I have never lived in XXXX nor XXXX XXXX Florida. My only last social security 4 digits are and only XXXX. 
XXXX XXXX XXXX has been harrasing mr for over 20 years and I have never done sny business with XXXX XXXX XXXX. 
lastly. I have never defaulted a student loan. I was active student. later had forbance. due to hurricanes in Puerto Rico.

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 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 4 incorrect things on my credit report. I have 1 collection from XXXX XXXX and XXXX charge off from XXXX XXXX. This is against my rights. I shouldn't have several accounts from the same source. I disputed EOS for 1073 on my account because balance is extremely high and was told balance was correct but no proof of what what being charged to me was shown to me. I had an account with XXXX and financed a phone for XXXX, plan was month to month no early termination fee and no finance fees. Why am I being charged over XXXX dollars? I have a negative charged off account for XXXX from chase. They are reporting balances and past due incorrectly. I want all 3 negatives removed including the extra negative report from 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 explanation
Consumer complaint received 2019-06-20 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 falsely reporting late payments for XXXX, 2019 on the XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) XXXX did not have a direct customer service telephone number until very recently. At this time, they could only be contacted via email. I sent multiple emails to their representative to change my payment information. I was never contacted, nor were my emails ever acknowledged and nobody ever got back to me. Consequently, because of their lack of communication I was punished with a late payment on my credit report. This incorrect reporting is harming my credit score. Please delete these late payments 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 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018, XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2019-06-20 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
A fraudulent charge for {$410.00} was made on my credit card account on XX/XX/19 while the card was in my possession. I disputed the charge immediately with the credit card company, 5/3 Bank and a fraud case was opened. 

The first response to the fraud investigation was a letter dated XX/XX/XXXX and received on XXXX requesting additional information to substantiate the fraud claim. I called the company to understand what evidence would be beneficial and was told an XXXX would be calling to discuss. No call was received. I received ( on XXXX ) a letter dated XXXX indicating that the claim had been denied and the charge was not fraudulent. I immediately called the credit card company whose customer service representative indicated I should request the case be reopened. I did so via email on XXXX and included phone records showing my geographic location was over 200 miles away when the charge was made. 

I have since followed up with the vendor via phone calls on XXXX, XXXX, XXXX and XXXX only to be told in the final call that the transaction was too old to take any further action. Each time i spoke to customer service representative who assured me that a call from a fraud investigator would follow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20 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: FL

Complaint narrative:
I have notified Equifax many many times by phone, email and mail as to the account in reference and they have called me but spoken to someone other than myself and have given out personal information of mine which I did not authorize, when I notified the XXXX back in XXXX or 2018 of this after prior emails to him that is when all response has stopped. 
There is an account on my credit file for XXXX listed as a Foreclosure ( which I have never had any property in my name ever ) and I have notified Equifax many times as I have stated above. All they do is update my credit file as the creditor said it was mine. 
First off I would like to know what physical proof that they have received from such creditor ( which they stated that the creditor just said it was correct, so no proof was ever sent ). 
How can you place something on someones credit and not verify that it is true and correct which is what they are supposed to do. And since this has been going on for over 3 years I am at the point that this needs to be DELETED IMMEDIATELY. I have verified with the county office where this was supposed to have take place and there is infact NO FORCLOSURE proceedings ever recorded in my name as I stated above. 
If there was a FORCLOSURE it would have been listed at the county office at the state where this was supposed to have taken place. 
I AM AT THE POINT THAT THIS HAS BEEN RUINING MY LIFE LONG ENOUGH AND THEY HAVE HAD MORE THAN AMPLE AMOUNT OF TIME TO DELETE THE ENTRY. 
I do have emails between them and I and like always it just gets brushed under the rug and no help is given. 
The CFPB regulates them and you should not let them continue to treat citizens in this manner. 
Your immediate response would be greatly appreciated as I feel I have been treated unfair long enough and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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 — Was not notified of investigation status or results
Company: DISCOVER BANK
State: CA

Complaint narrative:
My compliant is against Discover Bank, account # XXXX, date open XX/XX/XXXX, account status open. On XX/XX/XXXX. I sent a dispute letter so the Discover bank can investigate on a 30-day late payment back on XX/XX/XXXX. Discover Bank fail to mark the account as disputed after they received our dispute notice, violation of FCRA and California Credit Reporting Act. Im attaching letter I sent back on XX/XX/XXXX with proof that fax was successfully received by Discover Bank. Im also including an unfiled SC-100 that I will file in the event that late payment is not remove from reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
Paragon you closed the accounts but still see one at XXXX in price. Paragon please remove asap. The recent write up from Your company Paragon states y'all will be closing removing all accounts in the cfpb complaints inbox in writing. Thanks for you response. Have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Hello, In XX/XX/XXXXof this year, I applied for store Credit Card from XXXX XXXX. After several weeks I had not received a credit card or statement but I know a payment should be due. I went online to make a payment and did so. The payment shows that it was processed on XX/XX/XXXX. 

Today, XX/XX/XXXX, I called to ask where my card was. I had not called sooner due to work ( I XXXX ). I found out when I called that late fees had been applied to my account. Considering that I have never received a statement, and still have not gotten a card, I do not see how it is that I am expected to know my due date let alone that I have been accruing late fees. I told them this and they took off one late fee, but I do not see why I should be expected to pay any at all when you can't even get me a card.

The next page asked for my card number. If I had ever gotten one I'd be happy to give it to you. 

My phone number is XXXX XXXX XXXX, my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: WI

Complaint narrative:
I went to college and in the middle of going to college I I got XXXX. I had to stop attending college and could not defer my loans anymore due to the fact that I was XXXX after the XXXX. I was found officially XXXX by Social Security, and now I live on XXXX only. I have no way of paying back these loans. I have asked XXXX for the dismissal paperwork due to official XXXX many times, but they wont send the papers, and will NOT consider loan forgiveness, and the statute of limitations is OUT from a lot of these loans now, its been 7 years for many of them, and I want them taken off my credit report! 
my private student lender ( XXXX ) said I couldn't dismiss the loans I got. I have tried to get the paperwork from XXXX, but they wont send it. the statute of limitations ( 7 years ) has run out on a lot of these loans, and they're still on my credit report. I want them removed now. all the credit monitoring sites still have them listed, and I cant find where to dispute the listings. I need help getting these removed 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 2019-06-20 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX  XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
At this point I feel like the company is just harassing me they continued to request the same information over and over again I provide the information every time I don't honestly know what the company hopes to accomplish by doing this I complied with every request but it's getting a little tiresome my checking the bank account information is not going to change from month to month requesting the information each month in my opinion is just turning into harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: NY

Complaint narrative:
This was the cause of my information being stolen and used without me consent.

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 2019-06-20 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: PR

Complaint narrative:
I have NEVER had jc penny card nor XXXX  XXXX card. I have never used any name ending in XXXX. I have never lived in XXXX nor XXXX XXXX Florida. My only last social security 4 digits are and only XXXX. 
XXXX XXXX XXXX has been harrasing mr for over 20 years and I have never done sny business with Rooms to go. 
lastly. I have never defaulted a student loan. I was active student. later had forbance. due to hurricanes in Puerto Rico.

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 2019-06-20 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 have 4 incorrect things on my credit report. I have 1 collection from XXXX XXXX and one charge off from XXXX XXXX. This is against my rights. I shouldn't have several accounts from the same source. I disputed XXXX for XXXX on my account because balance is extremely high and was told balance was correct but no proof of what what being charged to me was shown to me. I had an account with XXXX and financed a phone for XXXX, plan was month to month no early termination fee and no finance fees. Why am I being charged over XXXX dollars? I have a negative charged off account for XXXX from chase. They are reporting balances and past due incorrectly. I want all 3 negatives removed including the extra negative report from 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 non-monetary relief
Consumer complaint received 2019-06-20 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 have 4 incorrect things on my credit report. I have 1 collection from XXXX  XXXX  and one charge off from XXXX XXXX. This is against my rights. I shouldn't have several accounts from the same source. I disputed XXXX for XXXX on my account because balance is extremely high and was told balance was correct but no proof of what what being charged to me was shown to me. I had an account with XXXX and financed a phone for XXXX, plan was month to month no early termination fee and no finance fees. Why am I being charged over XXXX dollars? I have a negative charged off account for XXXX from XXXX They are reporting balances and past due incorrectly. I want all 3 negatives removed including the extra negative report from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO

Complaint narrative:
I contacted the original lease company about the debt and found that my social was NOT on the contract. I am a XXXX and the XXXX has the debt. The collection company found my social ( without the lease company the debt is from ) and has been contacting me for the money. I contacted them to express it is not mine, and they insist that I must jump through hoops to get my social removed including an identify theft report that is not necessary because my social was NEVER used for the lease. I contacted the original company to confirm that my social was still not associated with this debt, and they again confirmed and forwarded to the debt company that it is not me. They have contacted me again and will not correct THEIR mistake and illegal look up of my social and credit scores. ( The woman from the debt agency told me that she had every right to look up my credit score without my consent after illegally obtaining my social security number )

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 2019-06-20 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} 11 XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX   XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00}

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 2019-06-20 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX COUNT XX/XX/XXXX {$150.00} XXXX XXXX XXXX DE XX/XX/XXXX {$0.00}

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 2019-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I spoke to a representative at Nelnet regarding a credit reporting issue, she told me that since my deferment was approved and backdated to XXXX of XXXX that they would be able to remove late payments from my credit report which would take 6-8 days and that by XX/XX/XXXX the problem should be resolved. However, on XX/XX/XXXX I contacted Nelnet and was then told that the late payments could not be removed and that I was given inaccurate information! Later on into the day I called to request documentation stating the day that my deferment was approved and the date that the deferment was back dated to and they proceeded to tell me that my deferment was never backdated but then said it was back dated to prevent me from having to pay anything during those months. I have been told something different every time I speak to someone employed by Nelnet and feel that Im not being told the truth by anyone! I feel that it is my right to have documentation stating my deferment was in fact back dated however they refuse to provide such documentation!

Company response to consumer: Closed with explanation