vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I recently purchased s car from XXXX XXXX and the car loan was approved through Global Lending Service. However, contacting GLS is extremely difficult and results in inaccurate, incomplete and none resolved issues. I initially revived a call from GLS regarding a welcome call from XXXX. However, I was unable to talk for 7-10 minutes and asked for a return call but was denied a number to call them back on. XXXX stated that I needed to just dial the number that showed up on my call id. Unfortunately, unknown caller was the message received instead of an actual number. The welcome call was finally completed via XXXX a funding manager but the next issue was verifying my insurance. I provided all the information to XXXX but somehow it was not uploaded or documented as such but getting back in touch with XXXX to resolve the issue was not possible. Despite several calls and attempts I never received a return call from anyone at GLS. The problem is now making payments. The car payment is due on the XXXX ( today ) or XXXX ( tomorrow ) of the month and I have no information on how to make a payment. I called again today and was simply told by XXXX that, its my responsibility to make a payment and do what I need to do to get the information. She informed me that the application was completed at the end of XXXX ( no date was given ) which is maybe the reason why I havent received the welcome package because that takes 7-10 days after its completed. She also stated that the person that did my welcome call should have explained all of this to me. However, when I spoke to XXXX, I was told that the information would be mailed out but that was almost a month ago and I havent been able to reach him since. So please assist in obtaining the needed information to actually make payments and gathering the terms of the loan and conditions. I purchased the car at the end of XXXX and have now been trying for almost 2 months to obtain information from GLS with no resolution. Instead I get attitude from associates and the nasty snare of its my responsibility to do what I need to do but there is only so much that can be done if you dont get a returned call, dont get the information in the mail, dont know the terms of the loan and havent been provided accurate information to agree and or ask questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CONVERGENT OUTSOURCING, INC. has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. 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 2019-10-09 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: NY

Complaint narrative:
This is the third such complaint I have submitted regarding the same type of issue over the past 12-18 months. 

On XX/XX/XXXX, my co-signed account was flagged by Navient as past due. The XXXX payment was mailed priority on XX/XX/XXXX and received by Navient on XX/XX/XXXX and delivered to " an individual '' per the post office. 
I called Navient on XX/XX/XXXX to talk to them about why my account was flagged since they received the payment long before the due date. The payment is sent via XXXX money orders under the same cover. The XXXX money order ( {$160.00} ) was cashed on XX/XX/XXXX per XXXX XXXX, the second money order ( {$250.00} ) which was sent in the same priority envelope and received the same time has not been cashed. 
When I called the customer service agent at Navient she told me that my account was past due and wanted me to send another payment. When I explained that they had received the payment she argued with me that if they received it, the payment would have been cashed. I asked to speak with a supervisor. 
I was connected with supervisor, XXXX XXXX, who asked that I send copies of the payments to him so he could submit for a missing payment request. I faxed the proof on XXXX @ XXXX with a receipt acknowledgment. 
On XX/XX/XXXX, the payment was still not applied to the account. When I called XXXX XXXX, the money order was still not cashed. I called Navient again. Because of an argumentative customer service rep again, I requested to speak with a supervisor. I spoke with XXXX XXXX. She states that payment was not received. I explained the situation again. She said the missing payment request had not been submitted. She had me upload the documents so she could request a missing payment search. I have done everything I have been asked. 
This issues continues to occur. For approximately 6 months at a time, Navient gets this right then there are issues again and again. I have submitted CFPB complaints about this in the past. 
I was told it would take 5-7 business days to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Discrepancy between agreed upon promotion and what I received. I requested my original contract and was told that they did not have a contract on file for the said card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Yesterday, while looking at my credit report, I saw a hard inquiry by XXXX and when. Selling, they told me the hard inquiry ( which substantially lowers credit score! ) was done by XXXX XXXX? 
I called XXXX and, I knew they had no permissible reason for doing a hard inquiry as I Pay on time in full since my 1st payment in XX/XX/2016! XXXX XXXX said they did not do it and they expedited the b investigation and called me as they said they would but now I cant get in contact with XXXX  where I was part of the hackiNg.

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 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-09 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony bank - Walmart Credit Card Account Number - XXXX Credit Limit - XXXX Comments - Transfered to another lender XXXX and XXXX collected on this credit card, and this was paid in full on XX/XX/2019 to them. Im unsure why a year later this has not been updated, as they have stated that they have closed my account and never reported anything on 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 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Kohl 's offered me the opportunity to delete the debt from my credit report and settle for 60 % off the original debt amount Kohl 's account # XXXX, if I paid the following settlement amount {$1000.00} on XX/XX/XXXX. I XXXX XXXX paid {$1000.00} on XX/XX/XXXX with my XXXX XXXX Debit card. My Kohl 's payment confirmation number is # XXXX. I contacted Kohl 's Department Store Collections today on XX/XX/XXXX because they still erroneously showing a remaining balance of an additional {$630.00}. This is an error. I have settled this account on XX/XX/XXXX and Kohl 's agreed to delete the account from my credit report after the settlement amount of {$1000.00}. was paid. I am filing this complaint because Kohl 's is now telling me they will not delete the paid account from my credit report and that I still owe a balance and that is wrong and fraud. Can you agency please assist me with having the collection account deleted from my credit report Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
my account have been on forbearance because I was in a divorce situation and had no job and subsequently moved to where I am now.. I was challenging for me to resettle and start finding job. Sometime, I hardly able to pay my phone bill and my phone had to be off for couple of days. Most of these times, I informed Fed loan of my inability to pay my loan. 

With this thought in mind, I feel I should have no delinquent remarks on my Credit report and I am requesting kindly your intervention in resolving my credit report issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
As recently as this morning and after days and hours of working with the banks technical support team I still could not access the On Line Data Base. I sill could not retrieve the data I needed causing major impact! I was advised due to recent changes the bank " does not allow the use of XXXX Operating system system '' They advised I could use my mobile phone but after multiple attempts that also did not work and they had nothing to offer when I explained this was wireless and open to hacking! I have been hacked three times previously and do NOT want to use this method. They suggested going to the branch who could definitely assist. However at the branch they informed me due to policy changes they could NOT assist! Furthermore attempts to reach a manager produced nothing! They are never available and they stated I would get a call back within 24 hour to 48 hours but not so A! LIE Their automated system malfunctions, not hearing correct input, forcing reentry and then when you do connect it does not pass the account information along to the agent. This has caused me significant monetary delay and financial loss! Also calls going OFF SHORE answered by their staff who request my social security number in lieu of account number. I asked if they could use my last four they said NO the whole number! So much for the facade of security and to protect my account! Wither incapable or liars, either one bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: PA

Complaint narrative:
Fraudulent account identity theft XXXX co XXXX Open XX/XX/19 Amount 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 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2019, a Over Draft was made to my PNC account. However, I cleared the overdraft the same day and as per PNC customer service they were unwilling to refund me back my Overdraft fee. As per PNC checking account guidelines in order to not get charged an overdraft fee the overdraft must be cleared in the same day. I followed PNC guidelines and were still charged a {$36.00} overdraft fee when I told them I need to pick up my prescription they dismissed it, and said there was nothing they can do. 

My Reference number from my PNC call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: CA

Complaint narrative:
In XX/XX/2019 I disputed a Charge Off reporting on my Equifax Report with inaccurate information. The account has been closed for years and is still reporting with a monthly payment and past due balance which is not accurate. There should not be any past due balance or monthly payment if the account was closed and charged off. I sent Equifax a letter regarding this matter in XXXX and requested them to Delete the information off the report and requested a updated copy of my Credit Report, and I never received a response from them. Again this was in XXXX it is now XXXX and all they have done is stop reporting the monthly payment on the account. I never got any notification regarding this change and yet they are still reporting the account inaccurately with a past due balance. Im attatching supporting documentation showing proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: RI

Complaint narrative:
An account is still showing derogetory when its not, and theres 2 account in that name. The one showing derogatory is ruining my life. Ive settled with that company and negotiated that it be off. I cant get anything done with that on my credit. Its 1 year away from being off but Im trying to get a house. And other stuff. Please get this off or update the derogetory to closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I submitted a credit dispute through XXXX due to duplicate billing in XX/XX/XXXX. When we called Chase auto in XX/XX/XXXX the reps said it was paid up to date but then we received calls from delinquent accounts reps due to the account being past due.

In XX/XX/XXXX Chase denied my request to investigate and restore the good credit reporting. The auto loan is now paid in full and I wold like further investigation due to the duplicate billing in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: MD

Complaint narrative:
Dear Madam or Sir, Here is my problem in few bullet points : 1. I have a CITI VISA credit card ( obtained through Costco ). 
2. I am a XXXX XXXX employee stationed in XXXX, MD with the XXXX/XXXX 3. Our travel policy requires that we make our own hotel arrangements to be reimbursed later after travel 4. I have made a hotel reservation in XX/XX/XXXX to attend a scientific conference end of XX/XX/XXXX as part of my official duties. Check-in XX/XX/XXXX and Checkout XX/XX/XXXX, XXXX XXXX MA. I got to purchase from " XXXX XXXX XXXX '' from the link provided by XXXX. I paid {$1000.00} with my CITI Visa Costco card 5. In the week preceding my travel, I learned from the hotel that my reservation was cancelled by the Travel agency - because of bankruptcy. 
" XXXX XXXX XXXX '' has toll-free and non toll-free numbers that now do not answer. 
XXXX now answers as a voucher company, aways with a message " you have reached us after hours '', even if you call all day hours on a business day. Same for XXXX 6. I filed a complaint by phone with CITI in early XX/XX/XXXX, and they reimbursed the {$1000.00} in XX/XX/XXXX 7. Upon checking my CITI Visa Costco card statement this XXXX, the charge has been re-instated. When I called, I was told that I did not respond to their request for more paperwork. I asked whether it was sent by mail, email, They told me that it was online as I opted for paperless statements. 
8. I always check my account online. The website design and they communication is to blame for me not seeing their message : 9. With all other banks, when they communicate paperless with their customers, they have two options CITI paperless does not have : a. when you log-in to other banks, if they send you a message, you will see an alert ( usually on top of the pages alerting you that you have 1, 2 or  several messages you need to attend to. CITI does not display any alert on the webpage once you log-in b. when other banks send you a message, not only they have an alert with the number of messages you need to attend to, they also send you an electronic communication in the form of an email. CITI did not do that. 

10. The two points a & b made me miss their request for more information 11.  Other banks, have also a third option ( That CITI did not also use ), which is simply to send a paper mail, because of the unusual transaction that would need attention by the consumer. 
12. I called Costco, they referred me to CITI for complaint. 
13. I called CITI, they referred me to VISA for complaint 14. I called VISA, they referred me back to the Bankrupt travel agency .... 

15. I need your help Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, MD

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 2019-10-09 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-09 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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