vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
A XXXX XXXX was leased through me in on XX/XX/XXXX for my wife at the time. In XX/XX/XXXX, my wife and I were going through a divorce and she was going to obtain the lease on the vehicle since it was her vehicle. Paperwork was filled out and the lease take over was approved by GM Financial. Once the final paperwork was filled out and sent back, we were notified that she must resubmit the application paperwork. Once the paperwork was resubmitted a second time, GM Financial denied her taking over the lease. The courts approved that the lease and everything that pertains the vehicle is her responsibility as of XX/XX/XXXX. Due to GM Financial denying her in XX/XX/XXXX, my ex wife dumped the vehicle on me and walked away. The courts mandated that the vehicle be returned and see what was to be owed on the vehicle. Once the bill for the returned vehicle came in, it took several months and numerous court appearances to get my ex-wife to pay the bill from GM Financial for the returned vehicle. She finally paid the bill in XX/XX/XXXX. During all this time, an open bill fro {$7500.00} remained unpaid on an account which was originally opened in my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am enrolled in a IBR Student Loan Repayment plan for my student loans. Part of my loans are being serviced Navient. Navient continues to send me correspondence every month for years that I owe {$60.00} per month when I do not. Under my current IBR plan and income, I pay {$0.00}. My other loan servicer ( XXXX ) does not send me statements saying that I owe them money each month. 

Not only does Navient continue to send me statements, they never seem to " receive '' my IBR Loan Certification every year. I received an email today that I need to re-certify or my payment plan will change in XXXX. I re-certified through student loans.gov back in XXXX. I believe Navient is engaged in deceptive practices in which they are trying to solicit payment that is not due and also cause confusion to get borrowers to mess up their IBR repayment plans. This has happened in the past and they claim I have no submitted the proper documents. They are wrong because XXXX has received everything I've submitted through studentloans.gov If you do not choose the correct option when re-certifying, you can get kicked off the plan and then you owe money. I have not had issues like these with my other loan servicer. They also do not have an option to send an email so I can have record of my attempts to contact customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ascendium Education Group
State: IN

Complaint narrative:
I have student loans with XXXX XXXX, which are in default. XXXX XXXX was either sold or changed its name to Ascendium. Ascendium is now reporting my loans like the default just happened all over again. This is unethical and dishonest. My default is old, not something that just happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a Wells Fargo credit card. A letter was sent to let me know the reason for the denial. I have a credit rating of XXXX and the reasons did not make sense. I immediately called them and to make a long story short, I did not anywhere with the bank bureaucracy. I wasted close to two ( 2 ) hours total with nothing done. There is something wrong and I hope you can help me get to the bottom of it. The irony, they offer a toll free number to call so the rating can be improved. See letter attached. There were also some comments that I reserve myself for future need.

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 2019-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today is the first time I requested to get my credit report and when I printed it out it had the wrong date of birth. It had my births mothers date of birth. I am aware she is using it and have been trying to take care of this problem for years but there is very little I can do on my end. There are several accounts in collections because of this. And my credit and personal life is being affected by this. I already did the police report but there is little they can do as well. 
For example I had an outstanding XXXX XXXX bill that was over a thousand dollars. When I moved into my first apartment I found this out when I tried to put the bills in my name. 
Loans were taken out under my name as well and this is just the beginning of the story. I would like to personally talk to someone who can really help me out.

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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have student loans with XXXX XXXX, which are in default. XXXX XXXX was either sold or changed its name to XXXX. XXXX is now reporting my loans like the default just happened all over again. This is unethical and dishonest. My default is old, not something that just happened.

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 2019-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
I have noticed over the past few months between XX/XX/2018 to present that there were accounts being added to my personal file that do not belong to me through monitoring service. As this account PLUSFOUR INC has appeared on my file on multiple occasions totaling {$200.00} through individual accounts listed under the same company PLUSFOUR INC. I am a victim of identity theft on multiple accounts as it has been reported and currently being investigated. Ive reached out to this company multiple times regarding this matter and have reported this account as identity theft.

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 2019-07-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an amazon chase visa card. 

The card is through Chase and the card has a promotional relationship with Amazon. 

On the website 's reporting online of accounts, there are the following issues : ( 1 ) Chase does not report your statement balance with each transaction, so it is nearly impossible to go back and look at the previous transaction history and determine the balance or to determine reporting errors from a given start date. 

( 2 ) When downloading your transaction history in csv from Chase 's website, you can't download the full history. The downloaded transaction history also does not list the statement balance with each transaction. Together, this makes it nearly impossible to reconcile your transaction history. 

( 3 ) Chase has " posted transactions '' and " pending transactions ''. They then show the " Current Balance '' at the top of the screen. However, it is possible for transactions not be in either " posted '' or " pending '' but reflected in the " Current Balance ''. Obviously, this can create a large ( and disconcerting ) disconnect between the current balance and the posted/pending transactions. 

These three issues seem rather simple to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My Bank is Wells Fargo since XXXX, My bank is giving me a hard time forward the incorrect information to the credit bureau that I was late in payment twice a time in XX/XX/XXXX and XX/XX/XXXX which is wrong because my account was set up as a direct payment from my Wells Fargo checking account to pay my Wells Fargo credit care. The bank executive office supervisors/managers. From XXXX, XXXX, XXXX, etc. I am struggling from last two months spend a week from XXXX to XXXX pm on phone to resolve the issue. Bank admitted that ; error is on their side. As a result, I am receiving the worst customer services. 
My whole family is suffering because my credit score is badly damaged, we must move ASAP. I am unable to proceed for my rental. Thus, the whole family is homeless.

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 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently discovered accounts being reported through my monitoring services that are fraudulent accounts that DO NOT BELONG TO ME and have been reported as identity theft as I have learned that I am a victim of identity theft as this account reporting a debt from XXXX XXXX XXXX ( XXXX XXXX XXXX ) totaling {$370.00} that does not belong to me and is and has been reported and currently being investigated.

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 2019-07-31 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 received a call from XXXX, a locator company, trying to find where the car is that was purchased under my name on XXXX  2019. My identity has been stolen. There were previous attempts where someone tried to open an account under my name so I freezed my credit but apparently this happened right before. I filed a police report on XX/XX/19 case # XXXX. I filed a dispute in Transunion but it came back as verified. The vehicle was purchased in MO. I live in XXXX, CA. How can this be verified? 
Transunion dispute case number is 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 2019-07-31 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Chrysler Refuses to report the true correct up to date accurate information on my credit Report and while doing so has violated many laws including but not limited to the FCRA, Banking law of North Carolina, and UCC- 9-616. 


I Started off by sending my notice of my request for a listed number of documents for Chrysler to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration  document required by the state that allows you to hold or service this alleged promissory note On the XXXX of XXXX Chrysler mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note. 

The Account Transaction that I received from Chrysler Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. 

In my initial contact with chrysler I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. 

This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
I recently discovered accounts being reported through my monitoring services that are fraudulent accounts that DO NOT BELONG TO ME and have been reported as identity theft as I have learned that I am a victim of identity theft as this account reporting a debt from CREDIT MANAGEMENT LP ( XXXX XXXX XXXX ) totaling {$370.00} that does not belong to me and is and has been reported and currently being investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have recently discovered through my monitoring service that I am a victim of Identity theft. I have noticed over the past few months accounts not belonging to me being reported to my file. I have reported fruadulant account reported as XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) for the amount of {$2100.00} I have tried to reach out to this company in efforts to resolve this matter and remove this from my file previously although nothing has been done to resolve this matter.

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 2019-07-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Claim ID - XXXX Claim AmounXXXX - {$42.00} I bought a new denim jeans from XXXX. Wore it twice and washed it once after which it changed the dimensions and became loose. The only reason this would have happened would be due to the quality of fabric used for the production of the jeans. And this is why I reached out to the merchant. As mentioned in the documentation to bank of america, I opened a case with the merchant to take back the item, after which they only asked for photos of the product and few questions. After few days, without providing any justification, the merchant denied the claim with a pretty vague statement that I have already shared with bank of america. I then went ahead and filed a dispute via bank of america and provided all required information for the process of my claim. The bank took a long time to determine that they will deny the claim, once again providing no clarity with regards to the issue raised in the claim - " We're unable to dispute merchandise that has been altered. To dispute your inquiry further, the item ( s )  needed to be returned to the merchant in the same condition it was received. '' This doesn't makes any sense as I have not altered the jeans in any way and as explained in my documentation to the bank, the merchant isn't willing to take the item back. First of all, the merchant is bound to provide quality clothing. I did follow the wash instructions and was not at any fault. I filed the claim directly with the merchant within few days and within their 30 day return time frame. The very least that the merchant could have done is to take the item back, which they never agreed to, and should have investigated the claim using their quality control department. Denying the claim simply on the basis of photographs is absolutely not fair in my opinion. On top of that, the basis on which the bank decided to give the merchant benefit of doubt is beyond my understanding. I would like to use this medium to have someone from the bank to reconsider the claim and investigate with fair rules.

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 2019-07-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover Financial Services, LLC date filed w/ court XX/XX/19 date satisfied w/ court XX/XX/19 amount : {$8100.00} status : Grid Code L : chargeoff case # Discover Financial Svcs. LLC of XXXX. DE XXXX Credit report court : Discover Fin Svcs LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX reporting a debt of {$330.00} was added to my personal file XX/XX/2016 as I discovered through my monitoring service. This account is a result of identity theft and has been reported and is being investigated and blocked from my file. I have tried to reach out to this company in regards to resolve and remove this fruadulant account from my file. This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
I have recently discovered through my monitoring service that I am a victim of Identity theft. I have noticed over the past few months accounts not belonging to me being reported to my file. I have reported fruadulant account reported as CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) for the amount of {$2100.00} I have tried to reach out to this company in efforts to resolve this matter and remove this from my file previously although nothing has been done to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

TRANS UNION, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City has been reporting inaccurate information my credit report. Further than that they have sent me mail disclosing personal medical information that was never supposed to be sold to a third-party or a Third-Party creditor at that. 

The Fact that i am medically insured alone is what makes me feel vulnerable about going to the hospitals and receiving operations because they may still sell my information to complete strangers which VIOLATED MY HIPPA RIGHTS.

I have disputed these accounts on many occasions on one occasion i recieved the response I attached to this Complaint

Company response to consumer: Closed with explanation