vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: CA

Complaint narrative:
I did not receive a notice to dispute letter. I am unaware of this debt/account.

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 2018-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
There is a charge for {$68.00} from XXXX XXXX XXXX on my credit report and the collection agency is Grant Mercantile Age for XX/XX/2013. 
I was not at that medical group in XX/XX/XXXX or XX/XX/XXXX and was out of town on business. 
This is erroneous billing and needs to be removed from my Credit Report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I did not receive a notice to dispute letter. I am unaware if this account/debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: KS

Complaint narrative:
I don't know when this credit card was opened and I've been living at XXXX XXXX XXXX, XXXX Ks. So get your facts right. My number is XXXX. I've had my identity stolen twice. Do I need to send you my papers from the federal government website?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i recently cleared up my credit by paying off a mortgage and paying off my personal bills. I was able to establish a credit score of XXXX via XXXX. I applied for a credit card with chase and was granted a {$7000.00} limit card. I have not opened any other accounts i have not even used the card. Chase turns around and cancels the credit card dropping my credit score to XXXX which i believe is unfair to me and the hard work i put in to getting my credit to where it is currently. I am looking for an apartment currently and now that chase has done this it disrupted my whole life, and Chase can careless what they've done to me. I find this highly unacceptable that i will have to suffer when i clearly did not do anything. I am coming to the financial bureau first to help rectify this situation, before going to the news media for publicity help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
on XX/XX/2018 I tried accessing my online banking account with Bank of America. My login credentials did not work. To avoid locking my account, i tried to reset my password. After giving my debit card and SSN details, I was then given a message that i no longer had online banking access and to call customer service. I called customer service and I can not get in contact with a human being. I keep being asked for a card number, and then Im told the card number does not exist. The automated system refuses to connect me to a human being. That last email I received from Bank of America was on XX/XX/2018. I have not since been in contact with Bank of America nor have they tried to contact me regarding the status of my account.

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 2018-06-29 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: TX

Complaint narrative:
**This is my 3rd time submitting this information. I received a confirmation email, however when I log in it shows that I have no complaints. 

I did not authorize XXXX XXXX XXXX to pull my credit. I never signed an application. I reported this to Experian because they are who I have credit monitoring through and to XXXX XXXX. I was told by Experian that I need to contact the creditor which I did but to no avail. There are two credit pulls from them. 

I noticed there is a XXXX XXXX inquiry on my report from 2017. I NEVER authorized a credit pull. Period. I have reached out to both Experian and XXXX XXXX but have gotten nowhere. 

XXXX pulled my credit twice without my authorization. It was only supposed to be pulled once but it shows a pull on 2 separate days. I contacted Experian and again was told I needed to contact the creditor. Did so but have not heard back concerning this issue.

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 2018-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
Toyota Financial stopped sending us monthly statements since I settled my personal bankruptcy case several months ago. I was originally on the loan, but I did not declare my XXXX on the bankruptcy. We have been making every payment since we purchased the vehicle last year. 

I can not access my account information online because they denied access. I can not call them to see if the payments have been applied to the balance because they refuse to talk to me about the account. My mother can not talk to them because she doesn't speak good English. They have been treating me as a criminal since I declared bankruptcy even though I did not include the vehicle. My lawyer has tried several times to contact them, but they refuse to honor the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have ordered authorized user 's credit card but never received and therefore never activated. All of the sudden I have bunch of charges shown on my statement. I filed the fraud dispute so many times but Chase Bank never took care of this issue. I have been making minimum payment on unauthorized charges to keep my credit history good. This is not fair that I am making payments on some one else 's charges. 
I informed Chase Bank that I never received the credit card for authorized user and how can i activate the card if i don't have it?!!! How can I have charges when I did not activate the credit card. I believe this was an error by Chase Bank and I hope they take care of this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: SC

Complaint narrative:
Prior complaint XXXX submitted and now closed as CFPB is accepting inaccurate and false information. New York State Higher Education indicates the loan amount is {$26000.00}. However attached supporting documentation clearly shows the loan is {$21000.00}. The payment history is nothing more than a typed document, no letterhead, no official document, anyone can type something up. The term of the loan was 10 years so if you look at the so called payment statement, I still owed over {$20000.00} after paying on the loan for 9 1/2 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I had aXX/XX/XXXXXXXX XXXX Lease through GM Financial that I paid-off on XX/XX/XXXX of this year ( 2018 ). The lease was closed-out when we purchased a vehicle at XXXX XXXX XXXX, paid-in-full, and we were sent closure documentation and even a refund a month or two later for overpayment. 

On XX/XX/2018 we noticed withdraws still occurring from GM Financial within our checking account, and found automatic payments being withdrawn from our checking account in the amount of {$250.00} every month despite having paid-off the lease ( from XX/XX/2018 through XX/XX/2018). We thought, that's where all our money has been  disappearing! 

On XX/XX/2018, my wife called GM Financial, and was very kind and detailed, provided the exact days, amounts we paid, pay-off details, amounts still being fraudulently withdrawn with each day and amount, and ended up having to fight with an employee named XXXX ( employee # XXXX ) on points that were so silly that XXXX actually asked at one point, " Don't you think it's a problem that you didn't see XXXX coming out of your account for 5 months? '' As an argument against just giving us our money back! 

We requested a supervisor and were not able to speak with one. 

We emailed top executives ( XXXX XXXX ) at GM Financial requesting a remedy and suggesting that the voice recording of the call between us and XXXX be pulled to review the poor service representative. We received no response. 

We also contacted our Bank, XXXX XXXXXXXX XXXX XXXX in an attempt to prevent continued withdrawals by GM Financial. Our bank told us that since they're using a different reference number each time it wasn't possible to stop GM Financial from continuing to automatically withdraw fraudulently. Even the bank can't stop a fraud apparently. 

Today, on XX/XX/2018, we notice that yet another GM Financial withdrawal was made for {$250.00} from our account. We have had fraudulent withdrawals from GM Financial for 6 months now since paying off the lease in-full in XX/XX/2018, a theft of {$1500.00}. 

This is a crazy situation! We are so thankful for the CFPB at this point and aren't sure what we could even do without you! 

Please help : (

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
XXXX XXXX LETTER OF EXPLAINATION I purchased my house in XXXX. I have had 3 Mortgage Modifications since XXXX. The 1st modification was for 2 years through XXXX XXXX XXXX XXXX ( see attached ). In XXXX, I requested a permanent modification through the investors " XXXX XXXX XXXX. '' The interest only would start at 3 % for 2 years and 3.5 % for 3 yrs. After the 3 years, PRINCIPLE AND INTEREST would be added to my monthly payments. I attempted to resolve this issue BEFORE THE 3.5 % would start in XXXX and in XXXX and thereafter the MODIFICATION would revert back to the ORIGINAL LOAN AGREEMENT. I was somewhat successful, I received a letter from XXXX XXXXXXXX XXXX date XX/XX/XXXX stating that " YOUR RATE AND PAYMENT IS SCHEDULED TO REMAIN THE SAME UNTIL THE FINAL PAYMENT DATE, WHICH IS YOUR MTURITY DATE ON XX/XX/XXXX. '' Because I was not given the correct information, I filed a complaint with XXXX XXXX XXXX and the Consumer Financial Protection Bureau ( original letters attached ). I received the modification in XX/XX/XXXX ( documents attached ). The XXXX modification was an addendum to the XXXX modification because the XXXX modification did not state that the modification was for the life of the loan, it only stated that it would be an interest only modification for 5 years and thereafter I would have to start paying principle and interest. That is the reason I contacted the Consumer Financial Protection Bureau and the XXXX office for help. During my contact with these offices I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX stating that my loan will remain the same until the life of the loan. In XX/XX/XXXX, Bank XXXX XXXX acct # XXXX sold my loan to Select Portfolio Servicing acct # XXXX, they forwarded the most recent modification documents but LEFT OUT THE IMPORTANT LETTER THAT STATES 3.5 % until the life of the loan ends in XX/XX/XXXX. 
I am very disappointed as I continue to get the " runaround '' or misinterpreting of documents from these banks. I spoke to Select Portfolio Servicing several times and they reassured me that they would honor the Modification. 
On XX/XX/XXXX, I received a letter ( attached ) informing me that the interest rate would be going up to 4.25 % which would make my payments go up from interest only {$770.00} ( I always send more ) to interest and principle {$1600.00} starting XX/XX/XXXX. I have spoken to them but no one has answers. Furthermore, they will not honor the letter from XXXX XXXX XXXX as it has a date of XX/XX/XXXX and the most recent modification is dated XXXX and the same verbiage as the XXXX modification. 


Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: Carvana Group, LLC
State: TX

Complaint narrative:
**This is my 3rd time submitting this information. I received a confirmation email, however when I log in it shows that I have no complaints. 

I did not authorize XXXX XXXX XXXX to pull my credit. I never signed an application. I reported this to XXXX because they are who I have credit monitoring through and to XXXX XXXX. I was told by XXXX that I need to contact the creditor which I did but to no avail. There are two credit pulls from them. 

I noticed there is a XXXX XXXX inquiry on my report from 2017. I NEVER authorized a credit pull. Period. I have reached out to both XXXX and XXXX XXXX but have gotten nowhere. 

Carvana pulled my credit twice without my authorization. It was only supposed to be pulled once but it shows a pull on 2 separate days. I contacted XXXX and again was told I needed to contact the creditor. Did so but have not heard back concerning this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: IL

Complaint narrative:
I obtained a copy of personal credit report on XX/XX/2018 from both credit bureaus Experian and XXXX. I noticed that some of my student loans through XXXX XXXX XXXX was on my report twice on XXXX. I wrote a letter asking them to verify and delete all double reporting that has had a great impact on my credit score because it made my debt well over {$160000.00}. XXXX   investigated this claim. many accounts were taken off. Then when they sent my credit report I noticed that some of my accounts from XXXX XXXXXXXX XXXX was deleted that were still in good standing. As ofXX/XX/XXXX both credit report reported that my student loans were included in an active Chapter XXXX, and or XXXX. I have submitted several documents that have proved that my loans were in fact in a forbearance never late. On XX/XX/2018 I was notified from XXXX   XXXX XXXX that my consolidation was approved and what my payments will be. The loans on the Experian report went into paid/closed status. The late payment for XX/XX/2018 was never removed and I never recovered my points back.

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 2018-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One shows and inquiry on my credit report from 2017. I NEVER authorized this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am a victim of identity theft and I have reported the information to several creditors for more than two years and there have been instances where the banking institutions and merchants have not responded nor refunded my monies before 30 days. I have been denied credit from other merchants and use of services because of the information that they have listed at there companies. There is instances where I have documentation from the individuals and they have not provided me with services.

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 2018-06-30 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: FL

Complaint narrative:
I called Transunion customer service to identify myself as a victim of improper credit inquiries reporting, on my credit report. I did authorize nor did I recognize most of the hard inquires on my report. I was not helped nor was a satisfied after my call.

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 2018-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MCS MORTGAGE BANKERS, INC.
State: NJ

Complaint narrative:
The Mortgage Company ( XXXX XXXX XXXX ) gave us 10 days from the date of closing ( XX/XX/2018 ) to meet specified conditions as per the appraisal company to make the property habitable. The date specified was XX/XX/XXXX. We met the guidelines and there were instructions as per XXXX XXXX with XXXX XXXX to release the escrow holdback of {$10000.00}. We still have not received our monies and are in jeopardy of being late on mortgage and car payments.We requested the money to be wired and were denied. Also we were promised a lender credit, there was never a rapid re score so as a result we were locked in at 5.7 interest rate but we're assured we would get a lender credit. I am attaching the proof. Also XXXX XXXX the VP provided tracking numbers as well, and said they would cancel the first check and would overnight a new one, tracking was provided. Now the check is lost. Her reply was they need to locate the check, why have they not wired us the money. There is so much wrong here and I will be filing suit as well. Please advise as quickly as possible. Thank you in advance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: GA

Complaint narrative:
These accountst should not be on my credit report. Equifax has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with XXXX XXXX. 

There is an account with XXXX XXXX in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Tried to change account involving XXXX XXXX. As of today XX/XX/2018 no monies that are held have been transferred into my business, since mid, XX/XX/2018. Having made numerous phone call filling out duplicate XXXX forms. Two days ago I spoke with branch mgr to no avail. He was given same runaround. XXXX, XXXX & XXXX are all involved. My monies are being held in " limbo '' as one person stated. Evert time I call I speak to a new person. It appears they haven't a clue and to think of all the money that goes through these people it amazing as to the obvious incompetence. Amount they are holdind is approximately {$5500.00}

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 2018-06-30 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: IL

Complaint narrative:
I obtained a copy of personal credit report on XX/XX/2018 from both credit bureaus XXXX  and Equifax. I noticed that some of my student loans through XXXX XXXX XXXX was on my report twice on Equifax. I wrote a letter asking them to verify and delete all double reporting that has had a great impact on my credit score because it made my debt well over {$160000.00}. Equifax investigated this claim. many accounts were taken off. Then when they sent my credit report I noticed that some of my accounts from XXXX XXXX XXXX was deleted that were still in good standing. As of XX/XX/XXXX both credit report reported that my student loans were included in an active Chapter XXXX, and or XXXX. I have submitted several documents that have proved that my loans were in fact in a forbearance never late. On XX/XX/2018 I was notified from XXXX XXXX XXXX that my consolidation was approved and what my payments will be. The loans on the XXXX report went into  paid/closed status. The late payment for XX/XX/2018 was never removed and I never recovered my points back.

Company response to consumer: Closed with explanation