vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXXl XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}

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 2020-05-08 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. edfinancial  XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}

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 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a credit card to be used for an international trip in XX/XX/XXXX. I let the bank know I never received the credit card, it was closed and I received another card. Shortly after my trip I paid the balance off and closed the credit card the following month. XX/XX/XXXX I noticed monthly payments were taken out of my checking account ( Total amount {$570.00} ) I called and complained of fraud. They said the payments were going towards a credit card and the only one I could think of was the one I used for my international trip which I paid off in full and closed. Another major issue was that I never authorized these auto payments towards this credit card and I complained about that. I was told the balance on this card was the annual fee that was never paid and it inured interest - there were no purchases made so the balance is only annual fee and finance charges. I made the full payment and closed the card therefore there should not be an annual fee nor finance charges. The bank has made a huge mistake and making me pay for their mistake. I've had other international cards, paid them off in full and closed them. This one they failed to close when I requested it. 
Theyve sent to collections and ruined my credit history. They also did not renew my current credit card which expired XX/XX/XXXX which Ive had for many years and always paid my monthly balance in full. Ive been a loyal customer to this bank for over 20 years. This has caused me extreme stress, very upsetting and disappointed with this bank.

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 2020-05-08 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 discovered an account that does not belong to me from a company called XXXX XXXX. I was made aware of it today XX/XX/20 when I was rejected from renting an apartment that I applied for due to this account being in negative standing. This account does not belong to me and I did not allow anyone to open this account on my behalf using my personal information such as my name, social security number or address. I did not benefit anything form this account and I did not make any payments to this account. I am not affiliated with this company whatsoever nor do I have any formal contract or agreement with them. I have filed a complaint with the Consumer Financial Protection Bureau as well as a police report regarding this unauthorized 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 2020-05-08 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 discovered an account that does not belong to me from a company called XXXX XXXX. I was made aware of it today XX/XX/20 when I was rejected from renting an apartment that I applied for due to this account being in negative standing. This account does not belong to me and I did not allow anyone to open this account on my behalf using my personal information such as my name, social security number or address. I did not benefit anything form this account and I did not make any payments to this account. I am not affiliated with this company whatsoever nor do I have any formal contract or agreement with them. I have filed a complaint with the Consumer Financial Protection Bureau as well as a police report regarding this unauthorized 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 2020-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize XXXX  XXXX to allow inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Carvana Group, LLC
State: AZ

Complaint narrative:
Have purchased a vehicle with Carvana LLC and paid using a corporate account of mine, having gone through the online service and verified all information including payment when entered online, after it's verified and signed by me and an authorized agent from Carvana approves of all documentation and payment process. I get a copy of what's called a purchase agreement from Carvana LLC sent to myself only after everything is verified. Got verified but Carvana LLC seems to not want to release me my vehicle I purchased nor delivered it to my home. But want for me to make another payment. All my payments were paid off. After doing my own research come to find out Carvanas creaters have been charged for fraud conviction and seems to me are still commiting fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Here is a brief summary of our complaint against Nationstar, which was originally filed through the CFPB on XX/XX/XXXX : 1. We feel like we were held hostage by waiting for approval until XX/XX/XXXX, literally the evening of the last day of the year. 

2. Nationstar stated the only option we had to save our property was an in-house modification which required us to request in writing our desire to opt out of the Tier 1 modification. Furthermore, they required a {$20000.00} payment up front.

3. The {$20000.00} payment was not applied to arrearages, but rather interest-only. We missed out on two years of earned equity. The arrearages were applied to the backend of the loan which put us into further debt. In addition, our principal balance was increased without any explanation ( please see attached payment history ).

4. After two years of paying interest-only, we were forced to reapply and start the process over, which yielded negative marks on our credit report, which impacted our ability to obtain loan and yielded higher interest rates.

5. We never received a complete response from Nationstar or resolution regarding the many issues we stated in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
This is a continuation of complaint XXXX. US Bank never responded that they had sent me the title with my name on it without a lien. They claimed the virus was the issue however once again they failed to acknowledge my complaint about the fact that 4 months after paying to loan off, my name was still not on the title. Since US Bank removed my name from the title on XX/XX/2020, the loan releases they supposed sent out in XXXX and XXXX would have done no good since my name was not on the title. I did not receive any correspondence nor phone calls from US Bank up until the first claim was submitted. We are now in the XXXX month and the title is still not in my name. Since CFPB has closed the first complaint without a resolution, I am sending another complaint. Last contact with US Bank was XX/XX/2020 with my request for them to complete the transaction so I can use the truck I paid for in XX/XX/2020. Also, my insurance company was never notified that I had paid off the loan back in XXXX 2020.

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 2020-05-08 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/20, I made 8 charges of {$1300.00} to XXXX. They agreed to pay for a hotel reservation on our behalf. On XX/XX/20 we received an email from XXXX saying they have cancelled our reservation. They attached a statement showing a refund for the full amount but we were never given a refund. We have filed disputes for all 8 charges. They have come back and rejected one of the charges, and we havent heard back about the other 7 charges. All 8 charges total XXXX. Please let me know if you can help!

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I can't find the contact for Experian/credit bureau. 

On XX/XX/2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through Experian, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on 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 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has failed to apply my benefits as a protected borrower under the Military Lending Act ( MLA ). 

I have called them several times and spoken many of their representatives both on their general help line, dedicated SCRA line, and Platinum Card line. In addition, I have attempted to chat with them on their website regarding the issue. Each time I have been told to utilize the SCRA application on their website however I am on XXXX XXXX and have a credit card account hence I am seeking MLA benefits not SCRA. The system detects I do not have a loan from Amex and tells me a few days later via an auto-response email that I am ineligible for SCRA protection. I told the representatives this on the phone and they instead chose twice to file the application themselves which only led to the same auto-response. 

Finally, on XX/XX/XXXX I had decided enough was enough and that I had grown tired of the same result from Amex representatives. I called the Platinum Line and told them I wouldnt hang up until this had been resolved. The representative said that MLA benefits should have been applied at the time of application and even went as far as questioning if I was sure I was on XXXX XXXX. Obviously MLA benefits were not applied at the time of application because I still have this {$550.00} fee on my account. Then, she said it wouldnt be possible for her or anyone else at American Express to apply the benefits afforded to me by law to my account since the system didnt detect I was in the military when I applied. 

There is no question on the application regarding current military service and duty status. Instead, to my understating the application relies on an auto response from a flawed government system solely based on your name, birthday, and SSN.

I asked her to at a minimum to delay the fee until I was able to sort this out and she said that would be impossible to do. I simply want the protections of the Military Lending Act applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Opened an account with HSBC that advertised that it would give {$750.00} to new customers who deposited a minimum of {$5000.00} per month for 3 consecutive months. 

I followed their terms and conditions and did that for XXXX, XXXX, and XXXX. I confirmed along the way MULTIPLE TIMES with their chat representatives that all deposits and all terms were being followed. I was told I had met the terms by their agents ( who seem to have been lying to me the whole time deceptively keeping this fraudulent charade ), and then months later have yet to receive funds. 

HSBC are liars and will try to lure you in with false advertisements and then decide months later after you've given them their money, and opening an account, that they won't give you the money they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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:
ACCT # XXXX XXXX XXXX XXXX, was Disputed with EXPERIAN XXXX XXXX , and XXXX through CFPB and only DELETED by XXXX on XX/XX/2020 File Number XXXX. I believe EXPERIAN AND XXXX are in violation of the Fair Debt Collection Act, this is harming me by not accurately verifying and deleting this 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 non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was sent to XXXX  on XX/XX/XXXX. I was released on XX/XX/XXXX. While I was away, my personal and business accounts were used by someone without my authorization. I filed the fraud claim with Wells Fargo and sent all the information, including a certificate of discharge from the Georgia Department XXXX XXXX showing that I was XXXX   when these transactions were fraudulently done against my accounts. Wells Fargo chose to deny my claim based on some other information they would not release to me even thought they had proof of incarceration and that I was not able to make these transactions.

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I can't find the contact for XXXX/credit bureau. 

On XXXX XXXX 2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through XXXX, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on 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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I can't find the contact for XXXX/credit bureau. 

On XX/XX/2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through XXXX, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I recently purchased a new vehicle ( XX/XX/2020 ). My credit was run for financing as well as my husbands credit as he is the co-applicant. We both received a letter from XXXX XXXX   stating that they could not finance the loan because of credit scores. My XXXX score is accurate ( XXXX ) but Sage Stream LLC listed my score as XXXX. My husbands score with Sage Stream LLC was XXXX. " Limited history for consumer address and phone '', " length of time since most recent delinquency too short ( I am disputing a medical bill ) '', among others. Over 100 point difference in credit scores! I've never heard of this credit reporting agency and it is shocking that a major company like XXXX would depend on bogus credit scores to determine financial eligibility. This also makes me question if I would have gotten better financing on my vehicle if Sage Stream LLC was not involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Ocwen Financial Corporation
State: SC

Complaint narrative:
I requested covid-19 assistance from my mortgage company since I am a XXXX XXXX and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.

Company response to consumer: Closed with explanation