vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 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: AZ

Complaint narrative:
XXXXXXXX XXXX  Acct # XXXX should no longer report on my file. All of my previous reports showed that this item would be removed from my credit report by XX/XX/2018. 

My current online reports now shows that they have removed that date and thus have re-aged this item. 

This reaging is a violation of the FCRA. 

Enclosed is print screen copy of my report from XX/XX/2018 showing the " On record until date of XX/XX/2018 ''. Also enclosed is a print screen copy of my current report no longer showing a remove by date.

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 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I spoke with XXXX at XXXX regarding account ending XXXX where I paid {$63.00} to clear up any outstanding balances or fees with Suntrust Bank. I was advised that I would be removed from XXXX XXXX and XXXX XXXX XXXX so that I could either reopen my Suntrust account and/or start a new account with other banks. 
payment Confirmation # XXXX XXXX was also suppose to email me a copy of the receipt after payment but never did so.

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 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I notified Amerihome that I have paid my homeowners Ins renewal for the year. Amerihome notified me that the loan type requires my homeowners insurance be paid thru escrow and that they would return a check to me in the amount of {$980.00} for the annual payment that I made since they would be paying the renewal.

Over 7 calls, speaking with supervisors at Amerihome, only to be told a different answer each time when following up with the check. Supervisors have said it would be mailed out in 3 days, it would be overnighted, to no check was going to be issued. A supervisor is always scheduled to call and follow up per the request in 24 hours. I have not received 1 phone call. This is my first 2 months with this lending company and it has already been off to a horrible start. It is impossible to get any resolution. I am beyond frustrated after 7 attempts and no follow up from Amerihome as they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
I've signed up for XXXX XXXX and get alerts when my credit report changes. I received an alert on XX/XX/XXXX that a new debt had been added to my report from XXXX XXXX XXXX. Today is Friday, XX/XX/XXXX and I have yet to receive any notices from them including what the debt is in reference to, an account number, balance owed, payment instructions or even how to dispute it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
I had a suspension lifted off of my Dmv records including a point taken off after completing XXXX school and it wasnt accurately noted on the background check when ran. Please re run to see correction has been made as of XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found two late payments being reported. As a XXXX XXXX with XXXX XXXX XXXX, I was relocated by the company to the XXXX XXXX XXXX XXXX for one year. As part of this agreement the company purchased two cars on my behalf but the company assumed full responsibility for making payments on the associated car loans through TDAF. For insurance purposes, I was required to take the car loan out in my name. However, the company paid the bill each month as part of my compensation and they took full responsibility for these payments being made on time. 
when the loan was first set up in XXXX, XXXX XXXX XXXX set up auto pay but due to an error the account was not debited in XX/XX/XXXX. Then after all that we successfully set up auto pay and everything worked smoothly until XX/XX/XXXX when the car was sold and the payoff was received by TDAF, Unbeknownst to XXXX, TDAF noted a small balance on the account due to an administrative fee and never notified us until there was subsequent bill that came in the mail after the fact. We were shocked yet again to see that another late payment was reported for XX/XX/XXXX. 
As you can see, I have a perfect credit history except for these two items on this same tradeline. I am very upset with TDAF, I have highly disputed these two late payments. Its causing me and my family extreme stress, due to the fact that credit is so important and effects every aspect of my life. TD AUTO FINANCE ACCT. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
After struggling and getting sick not only has Santander used this to knock me down more than I already was they sabotaged my credit even knowing what I was goingheough each time they reported my credit dropped chunks of amount of points. Were speaking of 20 points or more. Thats now behind. However I was finally able to get out under a bogus loan and lies that they dealiership sold me and all they can say is Im sorry I managed to get rid of a car that I was consistently paying repair for and got something that is reliable. I trade in the car and had the loan paid off in the month of XXXX. My XXXX still shows balance on the loan and marked late but also as per representative I spoke with todays date its marked XXXX balance for the month of XXXX and reported late. This dropped my score by 20 points yet again. Finally I was able to leave this untrustworthy and dishonest company and even just to do the right thing even after I got rid of them they just had to assure they leave yet wnoth r negative mark on my credit. Its been very hard for me Im sick single mom working my behind off I just need help because fighting them doesnt help. Nor is XXXX willing to help with getting my score back. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Gm Financial failed to report to the credit bureau for over 6 months, then when they did, they inaccurately reported me 30 days late on 2 separate occurrences. They refused to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AR

Complaint narrative:
Diversified Consultants has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Diversified Consultants provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Diversified Consultants has failed to provide any original copies of verification obligating myself to this debt. Since Diversified Consultants has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 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: NY

Complaint narrative:
After struggling and getting sick not only has XXXX used this to knock me down more than I already was they sabotaged my credit even knowing what I was goingheough each time they reported my credit dropped chunks of amount of points. Were speaking of 20 points or more. Thats now behind. However I was finally able to get out under a bogus loan and lies that they dealiership sold me and all they can say is Im sorry I managed to get rid of a car that I was consistently paying repair for and got something that is reliable. I trade in the car and had the loan paid off in the month of XXXX. My equifax still shows balance on the loan and marked late but also as per representative I spoke with todays date its marked XXXX balance for the month of XXXX and reported late. This dropped my score by 20 points yet again. Finally I was able to leave this untrustworthy and dishonest company and even just to do the right thing even after I got rid of them they just had to assure they leave yet wnoth r negative mark on my credit. Its been very hard for me Im sick single mom working my behind off I just need help because fighting them doesnt help. Nor is equifax willing to help with getting my score back. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
After Chase approved me for an XXXX card but then did a soft pull and closed my accounts. Because I have good credit, pay my bills on time and do not make them lots of money on interest ( only interchange fees ) I was a risk bc I use my good credit for the many perks all of the banks offer with their credit cards. I can not help that their cards are not worth spending money on, and that the perks of paying the annual fees are the only reason to keep a card open, short of their UR earning cards. I am not a risk, my husband earns enough to justify our spending, yet Chase closed all of my cards bc they felt we were a risk ( not profitable enough which is a shame ). The real problem here is that I am not profitable to them, as I do not pay interest in their scheme and am able to pay my bills on time. I want the opportunity to earn the XXXX bonus ( the fruit that they hang to the poor consumer that doesn't know any better ) or I want every annual fee refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I received Paper Statements for my FedStudent Loans. The XXXX send me a MONTHLY BILL on XX/XX/XXXX for {$38.00}. { See the following : Last Payment Received XX/XX/XXXX Current Payment Due {$38.00} Total Due by XX/XX/2018 {$38.00} } I paid {$50.00} on XX/XX/XXXX as my Loan was due XX/XX/XXXX. 
On XX/XX/XXXX, I received a new MONTHLY BILL as following : Last Payment Received XX/XX/XXXX Amount Past Due {$8.00} Current Payment Due {$49.00} Total Due by XX/XX/XXXX {$57.00} In other words, FEDSTUDENT LOAN SERVICING PURPOUSLY MADE ME IN DEFAULD OF MY PAYMENT EVEN THEY DEFINED THE PAYMENT OF {$38.00} FOR XX/XX/XXXX and in XX/XX/XXXX, they sent me a statement I am in a Amount Past Due {$8.00}. Thus, in a requested payment of {$38.00} I paid {$50.00}. 

Sending one amount request, and then making the student to be in a past due, defiantly will reflect negatively on the student credit/scores upon reporting. Such error is inexcusable, and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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 — Their investigation did not fix an error on your report
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
XXXX I disputed nation wide recovery services and they're multiple items double billed and same with XXXX 16 on XXXX and nothing has been removed also the these creditors were as sent requests asking to verify items with no response XXXX  finialy removed 3 today after the disputes were closed and me calling them a stating they broke federal guidelines for fair reporting but several things weren't settled with all three major credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
I have been paying my loans faithfully through XXXX, but it seems nyshesc hires or sells defaulted loans to different collection companies. My wages are being garnished by XXXX XXXX XXXX XXXX, but as I mentioned I have been paying my loan faithfully. I need this garnishment removed from my employer 's payroll. Reference number XXXX. I had a XXXX and I have an XXXX XXXX, worrying about this company and other companies hired by nyshesc is making my condition worse. I might end up homeless. Please stop this abuse. I already wanted to XXXX XXXX because I see no light at the end of this tunnel of sharks after money that I have been paying. Maybe that is the best solution. Then they can't rob me any more. I'm paying and they are still garnishing please I beg of you, stop this garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Portfolio Recovery Associates provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Portfolio Recovery Associates has failed to provide any original copies of verification obligating myself to this debt. Since Portfolio Recovery Associates has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2017 I went into XXXX XXXX to buy a gift. 

When I was at the counter paying the XXXX XXXX asked if I wanted to open a XXXX XXXX card which I was under the assumption was a rewards card. Not a credit card. The representative made me enter all my information to submit it and mentioned nothing about running a credit score. I was denied from the rewards card and asked why that was the case and she said because I had no credit experience. 


I go to check my credit score a few months later and there a mark on score for a Hard Inquiry from XXXX XXXX that obviously I was unaware of.

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 2018-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I never was notified about the credit card debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Cavalry portfolio services XX/XX/2014 {$370.00} it is reporting to the bureau twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: DE

Complaint narrative:
I received a job offer from XXXX XXXX, who then ran a background check on me through First Advantage. 

I graduated with a XXXX XXXX XXXX  on XX/XX/2018, but my background check came up as " DID NOT GRADUATE ''. Obviously this is a serious problem and I don't want my employment offer to be retracted based off this incorrect information. 

The contact method they used shows up as ( XXXX ) XXXX, which when googled, comes up as " XXXX XXXX XXXX '', a third party student data website. The background check should have conducted the search through my school ( University of XXXX  ), not a third party website that clearly has outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have contacted Bank of America Creditor Representative and asked about any credit applications I have applied for. She responded and said she could not find my information in her system. Stating I never applied for a credit card with Bank of America. She then tranfered me to Bank of America Checking account Representative and he also explained there is no evidence of me applying for a credit application with them. And I only had a checking and savings account with them. Therefore the two inquiries XX/XX/XXXX and XX/XX/XXXX should have never been on my credit report. XXXX the Checking Account Representative for Bank of America is sending me a letter to verify I never did a credit application with them. And I would like for those two inquiries on my credit report to be deleted. Please and thank you.

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 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed Equifax and XXXX  that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
I had previously transferred about XXXX dollars of ethereum to my coinbase account and logged in today to find that they have transferred half of it to themselves as it now says " sent to coinbase ''. I had no say in the matter and simply want my money back. Nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: TX

Complaint narrative:
On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed XXXX  and XXXX that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry

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 2018-06-09 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:
On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed XXXX and XXXX that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry

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 2018-06-09 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: FL

Complaint narrative:
I have contacted XXXX  XXXX XXXX Creditor Representative and asked about any credit applications I have applied for. She responded and said she could not find my information in her system. Stating I never applied for a credit card with XXXX  XXXX XXXX. She then tranfered me to XXXX XXXX XXXX Checking account Representative and he also explained there is no evidence of me applying for a credit application with them. And I only had a checking and savings account with them. Therefore the two inquiries XX/XX/XXXX and XX/XX/XXXX should have never been on my credit report. XXXX the Checking Account Representative for XXXX  XXXX XXXX is sending me a letter to verify I never did a credit application with them. And I would like for those two inquiries on my credit report to be deleted. Please and thank you.

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