vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 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: Larry H. Miller Group of Companies
State: CO

Complaint narrative:
Larry Miller XXXX, XXXX, accessed my credit report, while i was not even in the loan process. Neither I was present at the dealership while my report was pulled. When I brought it to their attention, they did not disclose the whole truth, and told me they never got my credit score. However it is showing in my credit report that a hard inquiry was made by XXXX XXXX on my credit. They told me they were trying to pull credit score for another individual, which name does not even remotely match with me. ( We have the same address, but i dont think that should matter. ) They told me that person 's social security number is similar, thats how they got my credit report by mistake. After verifying with the person whose credit they were supposed to access, his social security number is not even close to mine. I asked them how did they got my credit report, they told me its a system error and they " apologize ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. I've been out of the country since last year : XX/XX/XXXX - XX/XX/XXXX I had XXXX on my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was XXXX by an XXXX while walking across the street. Put off XXXX till now. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

I made a payment on XX/XX/XXXX, on my account and set up automatic payments on the same day because I knew I was going to be gone. 

So I traveled to XXXX for XXXX then to XXXX where I did my XXXX, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - XXXX has given me about XXXX late payments. 


I see whats going on and made a complaint to XXXX on XX/XX/XXXX, in regards to the matter was not given any help of any kind. All I was told is that it doesn't show in their system of automatic systems being set up.It 's obviously a tech error. That's not my fault. 

I have never had an issue with XXXX till now. Is hows a Tech error my mistake? 


They have cost me almost 150 points of my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE. 

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by XXXX and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life. 

Please help me get all those false missed payments off my credit. 

Already beginning to consult lawyers about possible legal action against XXXX in regards to the issue.

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 2018-03-06 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: MO

Complaint narrative:
After pulling a copy of my credit report i notice that the credit bureau is reporting inaccurate outdated information on my credit report and i had requested that this information be updated and fixed but my request has remained ignored.

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 2018-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX. This was my first credit card and have kept the account in good standing since inception in XX/XX/XXXX.

Back in XX/XX/XXXX - My co-signer on the account filed for Chapter XXXX and XXXX XXXX automatically closed the account. 

I'm the primary holder and this person has nothing to do with me. The account was always in good standing, never ever bad. 

They closed my account and intentionally deleted it off all credit bureaus to hurt me personally. It took my score down and made it appear as I have not established a long credit history. 

The company also went so far to list the account as a charge off. Why would you charge off an account that was never behind? And list it as bad debt on the person that didn't file for bankruptcy. 

Makes no sense. They refuse to reinstate the account or take the other individuals off as it has nothing to do with me. I find this very shady and fraudulent. 

Called compnay last on XX/XX/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 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
1. As of to date, Navy Federal refuses to reimburse me for the amount of XXXX XXXX XXXX and XXXX XXXX XXXX   ( {$29.00} ) 2. On XX/XX/XXXX, I went to XXXX seeking to return a television I purchased from XXXX ( Order No. XXXX ; PO No. XXXX ). 
3. I informed Navy Federal employees during a phone conversation that on XX/XX/XXXX, a female XXXX   employee, DID DEDUCT/TRANSACT the above amount from my Navy Federal debit card number XXXX 4. Navy Federal employees are not resolving my concern. 
5. On XX/XX/XXXX, they even received my correspondence sent USPS certified mail return receipt addressing this transaction. ( # XXXX XXXX XXXX XXXX XXXX ) THEY NEVER RESPONDED! 
6. And so, I submit my complaint against this financial institution for failing to refund my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
XXXX XXXX card services bought my XXXX XXXX   account which should have been discharged in a bankruptcy that was discharged in XX/XX/XXXX. The account was correctly updated on XXXX and XXXX, but XXXX XXXX will not correctly update XXXX, nor will XXXX follow suit with the correct information being reported to XXXX and XXXX. I have disputed through XXXX and the results were " account verified ''. Again, this account was discharged in a Chapter XXXX. As of XX/XX/XXXX, this account continues to report to XXXX   and now states the account is 150 days late. This is damaging not only my credit rating, but also causing unnecessary stress. 

XXXX XXXX refuses to delete inaccurate information from XXXX, and they continue to harass me with phone calls despite my communication via XXXX ( disputes ) that the debt was discharged. Furthermore, I informed XXXX that XXXX and XXXX had the same account information reporting correctly, but XXXX refuses to follow suit. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: WA

Complaint narrative:
My ex-husband XXXX XXXX on XX/XX/XXXX. At the time of his XXXX he had a home equity line of credit open with US Bank. My name was on the account, even though at the time of our divorce in XXXX, XXXX, he had agreed to assume responsibility for the loan. When I discovered that he still had a large balance owing ( over {$10000.00} ) at the time of his death, and that my credit score was beginning to fall, I paid the loan off until the estate settled, in order to save my credit. 

I followed this action up with a letter to US Bank requesting that my credit score be repaired, and stated that I was not legally responsible for the loan per our divorce paperwork. They refunded me the entirety of the loan, and promised IN WRITING that they would remove my name from any association with the HELOC. 

Not only has this not happened, they have now reported the debt as charge-off ( bad debt ) ... which is exactly the opposite of what happened. They ADMITTED THEIR MISTAKE AND REFUNDED ME THE MONEY ... but are calling the account a bad debt. And now, my credit has continued to plummet. 

I have made numerous phone calls both to US Bank and to XXXX to try to get this resolved and nothing has been done. XXXX sent me a very detailed report that said basically nothing -- no information whatsoever on what their conversation with US Bank was. 
I greatly need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
This account was paid in full from a insurance claim from XXXX XXXX. Ally financial received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, Ally said that I have accrued finance charges on my account that is still open. I explained to Ally that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. Ally does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from Ally. All that I want is Ally Financial removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe Ally Financial any money. XXXX XXXX XXXX paid Ally financial in full

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 2018-03-06 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: MO

Complaint narrative:
After pulling a copy of my credit report i notice that the credit bureau was reporting outdated inaccurate information on my credit report in which i requested that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I had an XXXX XXXX store card, and entered a payment installment plan with Synchrony Financial and closed the account in XX/XX/XXXX. The arrangement was for 0 % interest. Ive been making payments as agreed since XXXX and have not been late since I started the payment arrangement. Fast forward to XX/XX/XXXX, and I was charge $ XXXX in interest. I emailed customer service and the representative said that they charged me interest because the promotional period had ended, but I was told that I would not be charged any interest at all and would be paying off the credit card balance at 0 % interest. Why are they charging interest when they agreed not to charge interest back in XX/XX/XXXX when I began the payment arrangement?

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 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I contacted experian about reporting a bankruptcy on my credit file. I spoke the bankruptcy court, they informed me they never received a request from experian. Experian is reporting incorrect information on my file. They used second hand company to get incorrect information. I never filed a bankruptcy, I sent a letter to experian asking them to remove all incorrect reporting. They sent a letter back stating verified.

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 2018-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Financial Services sent me a letter stating that I would be sent to collections for debts owed to XXXX XXXX XXXX XXXX. 

I would like to say that I have NEVER been late on any payments EVER. I never received notice from XXXX XXXX XXXX XXXX ; had I, any properly owed debts would have been paid. 

I paid CMRE Financial Services twice for similar debts they claimed I had. I'm not sure how they have collected my information over time, but they are definitely scamming me into paying them so that I don't get sent to collections. XXXX XXXX XXXX XXXX claims not to know about these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX card services bought my XXXX XXXX account which should have been discharged in a bankruptcy that was discharged in XX/XX/XXXX. The account was correctly updated on XXXX and XXXX, but XXXX XXXX will not correctly update EXPERIAN, nor will Experian follow suit with the correct information being reported to XXXX and XXXX. I have disputed through Experian and the results were " account verified ''. Again, this account was discharged in a Chapter XXXX. As of XX/XX/XXXX, this account continues to report to Experian and now states the account is 150 days late. This is damaging not only my credit rating, but also causing unnecessary stress. 

XXXX XXXX refuses to delete inaccurate information from Experian, and they continue to harass me with phone calls despite my communication via Experian ( disputes ) that the debt was discharged.  Furthermore, I informed Experian that XXXX and XXXX had the same account information reporting correctly, but Experian refuses to follow suit. 

Thank you for your assistance.

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 2018-03-06 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On or about XXXX XX/XX/XXXX American Express offered me a bonus of {$100.00} if I referred a family member or friend for the XXXX XXXX and they were approved. On XX/XX/XXXX a relative, XXXX XXXX, applied using the link provided by AmEx in their e-mail. XXXX 's XXXX XXXX application was approved. From the experience of XXXX years with AmEx, I know that bonuses are posted within a few days. After a week, my bonus did not appear. I used the chat function to inquire and was told by a CSR that it takes 8 weeks. After 8 weeks I again inquired via chat and the CSR said she would submit an inquiry to be handled expeditiously. After another week, no results. The CSR then lied to me and stated that AmEx never has a referral bonus for the XXXX XXXX. After another week, I again used chat and the CSR said she'd initiate an inquiry. A week later, no response. Yet  another inquiry via the online chat and a week later still in response. About XX/XX/XXXX, I spoke with a CSR on the phone. He explained that previous inquiries were incorrectly submitted. He also stated that it is completely false that AmEx never has referral offers on the XXXX XXXX. He stated he would submit a new inquiry in correct form and would have it handled expeditiously. As of today, no results. 

Further, XXXX XXXX has confirmed with AmEx that their card does have the applicant 's portion of the referral bonus ( {$500.00} bonus for {$30000.00} spend w/in 90 days ) attached to their account so it would be dishonest for AmEx to claim that the account was not opened up via my referral. 

This referral bonus would have served to reduce my upcoming XXXX annual fee. With AmEx 's  competence and integrity in question, I decided to cancel my XXXX XXXX as there is no reason to believe AmEx would fulfill their contractual obligation over the referral bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: LA

Complaint narrative:
Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX XXXX paid XXXX XXXX  in full

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My ex-husband XXXX XXXX  on XX/XX/XXXX. At the time of his XXXX he had a home equity line of credit open with XXXX XXXX. My name was on the account, even though at the time of our divorce in XXXX, XXXX, he had agreed to assume responsibility for the loan. When I discovered that he still had a large balance owing ( over {$10000.00} ) at the time of his death, and that my credit score was beginning to fall, I paid the loan off until the estate settled, in order to save my credit. 

I followed this action up with a letter to XXXX XXXX   requesting that my credit score be repaired, and stated that I was not legally responsible for the loan per our divorce paperwork. They refunded me the entirety of the loan, and promised IN WRITING that they would remove my name from any association with the HELOC. 

Not only has this not happened, they have now reported the debt as charge-off ( bad debt ) ... which is exactly the opposite of what happened. They ADMITTED THEIR MISTAKE AND REFUNDED ME THE MONEY ... but are calling the account a bad debt. And now, my credit has continued to plummet. 

I have made numerous phone calls both to XXXX XXXX   and to Experian to try to get this resolved and nothing has been done. Experian sent me a very detailed report that said basically nothing -- no information whatsoever on what their conversation with XXXX XXXX was. 
I greatly need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
So, I get a little behind in my car payments and I had tried to work out a solution to the problem. But it seemed like to me the creditors wanted to act like complete Hotheads. They illegally in my defense repossessed my vehicle without proper notice. They say they called but in my defense it must have been them calling from a private number without any messages afterwards never no letter in the mail. The representative basically called me liar over the phone. So I talked to a some weirdo supervisor that acted like she didn't even care even after I offered to pay the past due amount of {$810.00} only if the repossession fees where dealt with by the company because they did not properly notify me or even give me a chance.

Company response to consumer: Closed with explanation