vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a Second written request in writing to Equifax, on XX/XX/2019, to have a copy of the original creditors documentation and signed contract on file. to verify that this information is mine. After the first investigation. I still have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 )  ( A ) by mail, I continue to receive emails from the Equifax credit bureau that the account have been updated and verified and is still listed as an open reporting account. Acct # XXXX XXXX XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: MN

Complaint narrative:
My Name is XXXX XXXX and i have service from XXXX for long time then i move to other company and i paid all my bills including the final bill. now they send me a new bill and i told them i pay off all my bills, after then they send my information to collection agency. and i don't know how to pay again, can please help me and i will attach the final bile receipt Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I have been a customer of Bank of America for over 22 years. I was XXXX in an accident in 2004 when I XXXX XXXX XXXX and XXXX as well as my children 's benefits money goes directly into two of the three accounts I have with Bank of America. 

This morning without any notice or letter, I tried to use my Bank of America debit cards - I have two accounts. Neither one would work. I called bank of America and they informed me that as a business decision they decided to cancel my accounts, leaving me no access to my money or my XXXX direct deposits, and I would have to wait up to 90 days for them to give me my money. 

I have XXXX children, I need medication, they have all of my money and canceled my accounts without notice. They said it was in my account agreement from over 22 years ago!!! This should be illegal. How do I get money?????? How do I get gas. How do I get food, How do I get my medication. How do I feed my children????? Pay my bills.

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 2019-09-17 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of ID theft. I reported to FTC. I got my credit union report from TransUnion. 

my employment is wrong. 
XXXX XXXX XXXX XXXX verified XX/XX/XXXX was wrong. 
I am a XXXX in XXXX. Florida since XXXX, XXXX. 

There are 4 unrelated phone numbers in the report. 

XXXX XXXX XXXX yours truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2019-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I went in to XXXX XXXX XXXX in XXXX Georgia to buyout my leased car in XXXX. It seemed to be like a smooth process until a month later when I realized my tags had still not been sent to my address. No one at the dealership told me I needed to go to the tag office to request tags not did they provide any other information as to what else was needed for me to do. I went to request a tag extension since my tags were due to expire XX/XX/XXXX and it was XX/XX/XXXX at this point. At the tag office they informed me that I was not even in the system! The dealership had not processed ANY of my paperwork. Not only this, but they hadnt done the inspection, oil change, or emissions test that was required for every purchased car so I had to run around for a week trying to figure out how to get these items done. Still nothing from the dealership. I called several times and everyone said theyre were going to figure out how to process the paperwork but they didnt even realize the emissions hadnt been done until the XXXX of XXXX, 2 days after my tags expired. So I needed to get the emissions done and file the paperwork myself and 10 days after my tags were expired I was finally able to get tags. 

Now its a few months later and I get a call from GM financial about an overdue balance on the leased card, which the dealership was supposed to pay! So I have a huge reduction from my credit score because of a balance I was never supposed to pay. The dealership has been the most difficult to deal with, the management has no idea what they are doing, they are super unprofessional in how they have handled the situation and with their customer service. They stopped taking my calls at one point, werent getting back to my voicemails, and when I spoke to the management in charge they gave me such an attitude as if this whole thing was my fault. Yes, they did repay me for the emissions test and the inspection and tags I had to pay for, but for the inconvenience and stress I should have been given more. I am appalled at the situation and I can not believe how unprofessional they have been and how stressful buying out my lease has been. They have serval times said they would do something and it never happened until I harassed them to do so or had to just do it myself. I had to get another dealership to even send in my emissions test so I could get my tags, so this is just disheartening and sad. I need this taken off my credit ASAP and I want nothing else to do with this dealership. I hope all XXXX dealerships arent like this because this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
n the process of obtaining a mortgage through XXXX XXXX XXXX XXXX. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through XXXX XXXX XXXX phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either XXXX or XXXX  in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.

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 2019-09-17 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I applied for and was approved for a Synchrony Bank XXXX XXXX branded credit card on XX/XX/XXXX under the then promotion for XXXX XXXX Miles after a {$2000.00} spend in 90 days, and then an additional XXXX XXXX Miles after an additional {$3000.00} spend within the first 6 months of account opening. I completed the {$2000.00} spend in 90 days and received the XXXX XXXX Miles. I also completed the additional {$3000.00} spend by XX/XX/XXXX, which is about 5 months after opening the card. I never received the promotional XXXX bonus. 

I contacted XXXX Miles and XXXX XXXX, who said I would have to contact Synchrony Bank. I contacted Synchrony Bank on XX/XX/XXXX via their credit card website login message center and reported the above. They proceeded to send me multiple pieces of mail over the next few weeks stating they were looking into it, but I never received any results or the missing miles. I also emailed their general customer service XX/XX/XXXX, but never received a response. 

I have copies of all correspondence from my end, as well as the original promotional email that prompted me to sign up for this credit card.

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 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
Receive notice of debt in mail, letter dated XX/XX/2019 before I even tried to dispute it, it is on my credit report. Its a hospital bill that my ins company has no report of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
My homeowners Hazard Insurance was hijacked by a partner company of my mortgage company ( Mr Cooper ). They simply stopped paying my old insurance then more than doubled my rate under their partner. My old insurance was with XXXX XXXX for many years without incident or problem. My mortgage company was Nationstar but they changed their name to Mr Cooper and that's also when they stopped paying my insurance from escrow. 

I made no changes from my end for them to do such a thing as hijack my existing insurance and then raise my mortgage {$200.00} a month for a very poorly rated insurance company XXXX XXXX. 

I had to pay {$4400.00} for the first year while my old insurance was {$1600.00}. I have now gotten new insurance which is only {$900.00} a year but I fear they are going to hijack my insurance again. They require you to pay it from escrow, but then don't pay out leaving you without insurance. 

How is this legal? This mortgage company ( Mr Cooper ) has already faced government scrutiny and paid heavy fines under the brand Nationstar. Changing their name has not changed their methods. Also XXXX should be properly investigated. 

I'm out at least {$5000.00} for 3 years of over-payments. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've been using myFICO for credit monitoring for years with no issues. On Sunday XX/XX/XXXX I tried to upgrade to the higher tier of credit monitoring and the order failed because of the information provided to Equifax did not match what's on their end. This is the same information that has been sent to them for years. 

I called myFICO customer service this morning ( XX/XX/2019 ) and I was told that Equifax refused to release my information. I also called Equifax and they said they could not see any issue on their side. 

In order to verify this wasn't only a myFICO issue, I also tried to sign up for the XXXX monitoring service that includes Equifax and XXXX. That order also failed because Equifax is not releasing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I WAS INSTRUCTED BY BOA TO GET A CASHIER CHECK FROM XXXX XXXX   ROUTING XXXX ACCOUNT # XXXX SO I COULD COVER CD FROM XXXX XXXX XXXX XXXX AS THE CD WAS REQUEST PAYMENT FROM BOA ROUTING # XXXX ACCOUNT # XXXX BALANCE {$830000.00} AT THE TIME THAT XXXX XXXX XXXX   DEBITED FOR PAYMENT OF CONTRACT OF CD FOR THE AMOUNT OF {$640000.00} REPLY FROM BOA THEY REPLIED THE WAS ACCOUNT WAS NSA EVEN TRIED TO WITHDRAWAL {$1000.00} SEVERAL TIMES THE ANSWER WAS THE SAME SO XXXX XXXX CANCELLED MY CD RATE 2.70 % THEY PROCEED AND THE MADE A NEW CONTRACT FOR 2.60 % IVE TRY TO TAKE CARE OF THIS PROBLEM IT WAS LIKE A CIRCUS THEY KEPT SAYING THAT WAS A MONEY ORDER BUT IT WAS A CASHIER CHECK AS INSTRUCTED TO BY BANK OF BOA. 
XXXX, XXXX CELL -- XXXX XXXX MAIL -- 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 monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried numerous times thru equifax dispute process to remove an aged account that should be deleted, other bureaus have deleted it, but all I get is an automated response after waiting 30 days or more from them. After reading the fcra this account falls under the guidelines to be deleted! The inaccurate reporting of this is causing me financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I took out a loan 6 months back for XXXX dollars. My balance is now XXXX dollars and I cant afford to pay that. This will financially ruin me. The money compounds and I owe more each day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In reference to complaint XXXX. What equifax 's idea of fixing the issue was to send a cookie cutter response. that response was " Let me tell you how credit works '' My complaint was that, their site makes it hard to file complaints. wWhen I try to navigate their site, each link leads to paying for their monitoring. I understand credit, so i dont need the information. I want to submit challenges to the erroneous information to them the same way that I have submitted to other major credit reporting agencies. 

This is not just a XXXX XXXX XXXX issue. This a systemic issue including everyone that attempts to maintain accurate information on their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a Second written request in writing on XX/XX/2019, to Equifax Information Services LLC, to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of the first investigation. and I still have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails, from  the Equifax credit bureau that the account have been updated and verified. Acct # XXXX XXXX XXXX XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The company LVNV funding, has bought numerous uncollectable debts from companies and is now reporting negative information on my credit report with no validation made on the accounts. I have a collection for {$1000.00}, from " XXXX XXXX '', - which was an account that fell behind when my husband XXXX XXXX   and became totally XXXX. There was XXXX protection on the initial account, as well as protections in place through the military lending act, as well as the SCRA- since my spouse was XXXX XXXX. The original creditor never applied any of these protections and now this company has purchased the debt and is trying to collect a debt- with no regard to these credit protections for service members. 
There is another debt showing for {$360.00} for an account that says " gettington '' - that I have never heard of nor received any validation for. Only a negative mark on my credit report. 
This company is buying debts that aren't even legally collectable. I have already made disputes, with no resolution made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: GA

Complaint narrative:
MY myequifax account was locked so I called the company to have it unlocked but it showed my sister account information instead of mine, so I tried to create a account with my information and wasn't able to because it said that there was already one made. Also tried putting in multiple disputes to have the information the information on myequifax changed but when I put in the in the reference number in they are not able to find the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried buying tickets today ( XX/XX/17 ) to an event through a private seller and initiated a payment ( {$350.00} ) through my Chase banking account utilizing XXXX. Once the transfer was initiated, it was immediately clear that this was a fraud and that I wouldn't be receiving the tickets. 

I contacted XXXX to see if a stop payment could be placed on the transfer about 30 mins after realizing this was a fraud. They informed me that once the transfer was initiated through XXXX and accepted by the other party 's bank, there was nothing they can do. 

I contacted XXXX and was immediately referred back to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credible Labs Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I filled out an online application to refinance my home. The company is Credible. Minutes after completing my application I received a text to my cell phone. The text said, " 'thank you for submitting a application ', 'please set up appointment with a Loan Officer ' and " if you would like to lock your rate prior to your call-text " Rate ''. I responded with the text " Rate '' to lock my rate prior to a phone call with Loan Officer and this is my complaint.

After I responded Rate, I log onto and set up a account on the Credible website. I uploaded all the requested documents ; W-2, check stubs, 1040 forms, bank statements, etc. I completed all they requested. During this time, Credible forwarded to me their documents for my signature, listing the rate at 3.25 % ( the agreed rate ), along with amount financed, new payment amount, etc. I signed all their documents and returned on website. Meanwhile, the Loan Officer scheduled an appointment, but was missed by loan officer. I then scheduled a second appointment where we both attended on phone. At this meeting the Loan Officer informed me that my Rate was not yet locked and the current rates were higher and the costs were more money. I said, " no, the rate is 3.25 % and I responded to the text I received asking for my response indicating " Rate. '' I also took a snap shot of their text to me and my response. Still, he said no. I asked for his manager and explained story. She said sorry, we can not honor that rate. However, she asked her boss and his response was also NO. I further explained that this was " your company text to me asking to lock rate with a response prior to speaking with any loan officer! '' This is unfair business and manipulating the rate in order to collect more money for processing.

The loan officer name is XXXX XXXX and his license # XXXX. His email is : XXXX XXXX XXXX. 
His bosses name is : XXXX XXXX and she has no license. I do not get the name of her boss. 

Thank you, XXXX XXXX XXXX email : 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 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2019 i received a notice that my intrest rate would be increased from 20.24 % to 24.24 % effective XX/XX/2019. During the time i have have never been late and my credit score is 50 points higher than when i initially applied for the card. Also my credit utilization rate is around 13 %. I was told that all that didn't matter.I Have never had a late payment on any of my cards or loans.

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