vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Since XXXX 2010, I have sent over XXXX certified letters to both XXXX and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX XXXX XXXX Acct No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: TX

Complaint narrative:
Since XXXX 2010, I have sent over twenty certified letters to both EXPERIAN and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EXPERIAN : a ) XXXX  Acct No. 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 2017-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an auto loan from Chase in the amount of {$14000.00}. I had concerns about the interest rate that was offered to me ( 5.84 % ) but, since the paperwork was signed at the dealership, I had no way of getting my questions answered. I reached out to Chase when the loan documents came in the mail and asked them to offer me an interest rate ( 2-2.5 % ) that better reflects my excellent credit score ( > XXXX ) and payment history ( never a late payment ). I received a letter from Chase stating that they could not refinance my loan because of my insufficient payment history and US residency status. As a matter of fact, I have an excellent payment history and I am a lawful US XXXX XXXX. If that was n't the case, why did Chase approve my loan in the first place? I find their behavior quite discriminatory. They are just coming up with excuses to avoid giving me the better financial terms that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a complaint that Bank of America had errors about posting transactions and errors debit and take money from the depositor put in the account for wrong transactions and posting. This is regarding the account XXXX the bank had used fake claims to take the innocent money in the bank account. There were XXXX fake claims on this account caused it to no more money for balance and the bank claim dept did not respond to the need of tbe owner of the account but respond to the fake claims cause the owner lost money that keep in the account. The money can be lost and go to a thief. This is a big error need return money to the account owner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27 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: TX

Complaint narrative:
Since XX/XX/XXXX, I have sent over twenty certified letters to both XXXX and Macy 's Credit for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX  Acct No. XXXXxxxx

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 2017-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Despite writing two letters to Capital One to correct my payment history across my three credit cards, they continue to report no payments for XXXX andXX/XX/XXXX on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite writing two letters to XXXX XXXX to correct my payment history across my three credit cards, they continue to report no payments for XXXX and XXXX 2015 on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I received a letter from AAFES stating that a debt was being referred to a collection agency. However the account I had with AAFES has been paid and closed. Also the account information is incorrect. When asked to verify the debt. No itemized bill statement was provided showing each charge of the over {$2000.00} debt suggested. No original paperwork for which I would have signed for the account was ever provided.

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 2017-06-27 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On numerous occasions I have reached out to the company and also all 3 credit bureaus to remove these inquiries because they are not mines.

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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Yes I had and complaint in the reference of inquiries that was taken off my credit report and then add it back onI called several times and they just give me the runaround

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 2017-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American express advertised referral promotion for the credit card. I have referred family member and met the condition of referral promotion. However, after 12 weeks of meeting the requirement, American Express is delaying giving the promotional points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
The company is GM Financial, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. I have recently disputed the account with XXXX and after the investigation, the item was removed. However, XXXX and XXXX state that GM Financial claims this account as mine. I have no knowledge of said account. Note the high amount of the account is only a {$2.00} difference. Appearing to show that in 4 years ( life of account ) only {$2.00} were paid on the account. I do not understand how this is possible. I have never finance a GM product through this company. I had a XXXX that my now ex-husband financed through our credit union years ago. Activity date on GM account is completely off by 3 years from my credit union financed vehicle. This all being said, I 'm not sure how long things are scheduled to stay on an individual 's credit report. Whom ever this account possibly belongs to, it definitely seems it should be achieved at this point. Again, this is not my account and respectfully request your assistance in having it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: HI

Complaint narrative:
On XXXX/XXXX/XXXX, additional fees of {$20.00} was charged to my loan account through myloancare.com. Address LOANCARE XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This is when my loan got transferred from XXXX XXXX XXXX XXXX. I have asked loancare several times to remove {$20.00} imposed on my mortgage account. This amount was never reported in any of my statements as fees. Thanks.

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 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
There is some hidden fees that I was not aware of. Instead of rejecting invalid and unexpected transactions, bank has processed and charged me for those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.

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 2017-06-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.

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 2017-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Western Union sponsored a sweepstakes which was given publicity. I participated in the said sweepstakes. It appears no winner was awarded the prize as Western Union  indicated in the rules governing the sweepstakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is the second time that I 've noticed this, so I believe it is the strategy of Bank of America to remove charges from a person 's transactions in order to trigger overdraft fees. I made a charge at XXXX XXXX in XXXX for {$14.00} plus a {$3.00} tip. The {$14.00} showed up immediately, but then disappeared a few days later, giving me the false impression that I had more money than I really do. In fact, along with that charge came ATM transaction fees that are several days old. Is this practice legal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One has not updated information to XXXX and XXXX with my accounts. I received a letter stating this would occur but, it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and Midland Credit Management on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Midland Credit Management, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: MD

Complaint narrative:
XXXX XXXX has not updated information to XX/XX/XXXX and Transunion with my accounts. I received a letter stating this would occur but, it has not.

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 2017-06-27 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: MD

Complaint narrative:
XXXX XXXX has not updated information to Experian and XXXX with my accounts. I received a letter stating this would occur but, it has not.

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 2017-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
For the last 3 years, I have made my loan payments to Navient. Every month I have notifications that I am late. I am assured every time I make a lump sum payment, on my own or by way of their auto draft- it does n't matter. The payments are not applied equally across my loans. Navient is the telling me the total amount necessary to satisfy these payments but then they do n't apply them correctly. Even now, because I don't/ca n't trust their auto draft payment process, I pay online. It still shows me behind on 3 of my 6 loans. I have had honest representatives tell me their system for many years clearly has not applied my payments correctly. When I escalate the call to a supervisor, I am belittled and treated poorly. Because of this, I have a mark on my credit from one loan. One loan out of six. It makes ZERO sense that if I am making lump sum payments, that I would avoid paying on one loan. They refuse to remove the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.

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 2017-06-27 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: IL

Complaint narrative:
I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.

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