vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a payoff letter from Ally Financial when my husband and I were buying a condo. We closed on XX/XX/XXXX and a check was made payable to Ally Financial for the amount stated in the payoff letter. I contacted Ally in XX/XX/XXXX as it was still showing open on my credit report. They assured me they would take care of this. Fast forward.. I contacted them several times since then to dispute the same problem. Same answers were given. It is still showing open on my credit report, it is s now XX/XX/XXXX and many months later and I need some help to get this to show closed and off my report. I am attaching the payoff letter and the cancelled check from the title company. Can you please help 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 2019-02-13 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I was alerted that there was a hard inquiry on XX/XX/, 2019 from American Express. I did not apply for a card or any loan if any kind

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had an unauthorized purchase for {$1700.00} on my AMEX credit card to XXXX which is a online furniture store on XX/XX/XXXX. This transaction was clearly fraud and as of today AMEX has not given me a credit back on my account. I received a transaction alert on XX/XX/XXXX around XXXX. When I saw the alert I immediately contacted AMEX and reported the fraudulent transaction. Advised them that I still had possession of my card but someone used it for an online purchase. They canceled my card and issued a new one and said the amount would be reversed. About a week later I had a credit on my account for the {$1700.00}. After two weeks of the credit sitting on my account with no offsetting debit I contacted AMEX to inquire about the offsetting debit to clear up my account. Their employee noted the account that I authorized the transaction and they charged my account twice. One to clear the credited amount and another one that put the balance back on my account. I contacted AMEX again on XX/XX/XXXX, again XX/XX/XXXX, again XX/XX/XXXX and again XX/XX/XXXX to get the transaction off of my account. They keep giving me the run around that they file a fraud case but every time I follow up they tell me the fraud case was closed but no credit processed to my account. In the meantime they are reporting this balance to the credit bureau and it dropped my score 10 points because it shows a balance against the total credit limit. We are applying for a mortgage loan and we have excellent credit but because of the score it is having an impact. AMEX is violating the Fair Debt Billing Act. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13 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: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and TransUnion credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.

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 2019-02-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX   when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting  XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX   are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an offer from American Express ( Amex Offers ) in XX/XX/XXXX which I was able to attach it to the 3 cards ( Primary card and 2 Authorized User cards ). Each offer term stated that you are entitled  to 10 % statement credit at XXXX till XX/XX/XXXX upto a maximum of {$100.00} total. These offers were attached individually to each card which is available under a separate login to each user. The purchases were made on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX XXXX. All 3 accounts also got the {$100.00} statement credits as promised on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as per the terms and conditions. However in XX/XX/XXXX two of the {$100.00} statement credits were reversed. 

I have called in 3 times since the time I noticed the reversal and each time was given an excuse that credits can only be awarded to the primary card member and not to the other authorized users even though the offers were individually attached to each card by their respective users. 

I can provide proof on hundreds of instances in the past where the credit has been awarded to all users individually and their terms and conditions were identical to the XXXX offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: SD

Complaint narrative:
The lending club loan was taken out in XX/XX/XXXX by my wife. The amount was XXXX they gave us a check for XXXX We have refinanced our house and LDS escrow. Of XXXX XXXX Paid XXXX XXXX XXXX dollars on XX/XX/XXXX. We had automatic payments taken out to pay for the loan, we had been late in XX/XX/XXXX as we thought the escrow would have paid it but did not pay it until XX/XX/XXXX, thus we were also late in XX/XX/XXXX. When lending club got paid and was paid off years early we still had a balance left, according to them, and they canceled the automatic payments. XXXX stated that.payments, which made us late again. The balance left was XXXX, but had to pay XXXX. XXXX was the person from lending club and would not say his last name. Phone call was done today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
This account at Conn 's for my mom, was researched by a Conn 's credit manager, XXXX on XX/XX/2017. She verified that one sister purchased a computer and combined the purchase onto my mom 's account. This was done without my mom 's knowledge or authorization. At that time while my mom spoke with XXXX and asked how could she have them stop calling her for an unauthorized charge to her account. XXXX explained that if my mom provided a fax with her name, address and phone as well as the name and phone of the person who charged on her account. They would then stop calling and then pursue the correct person. 

For some time they stopped calling my mom. My mom passed away XX/XX/2018 a month before her XXXX birthday. Two months later my XXXX sister began receiving phone calls and I began receiving letters about paying this account. I asked to speak to the manager and explained what transpired in XX/XX/2017 with my mom and XXXX to no avail. The letters increased as well as the calls to my XXXX sister. Both of us are XXXX and grieving the loss of our mother and XXXX other close relatives the past 5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX.XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX 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 non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Hello, Sorry if this is the wrong section. I've been trying to get my refund back from XXXX XXXX XXXXWestlake Financial Company for about four months now and feel like neither side is really trying to help me, and just hoping I let it go. 

I received an extended warranty from Westlake Financial Group/XXXX XXXX  with purchase of a Used Car. The car got in an accident, was determined totaled, and was covered partially by my Insurance Company. After that, I realized I had the extended warranty on a car I no longer had, so I attempted to  get a refund from Westlake. I spoke to them and they explained they could give me a pro-rated refund, part of it being covered by Westlake and part of it being covered by the dealership ( XXXX XXXX ) Westlake financials processed my refund without any issue, however I've been having trouble trying to get the dealership to honor their side of the refund. According to the dealership, they had sent a check to westlake financial group and at this point have done what they need to do. According to westlake, I've heard two different things that happened ( from different people, so I'm not sure which is true ). One person said that the refund was sent, but because the person handling my account no longer worked for the company, the refund was never processed. Another person said that when the refund was sent, the dealership had insufficient funds in their account, so it was never processed. I'm not sure which is true, and my attempts to put together a call between myself, Westlake, and XXXX XXXX have been unsuccessful. Westlake has said they'd call me back on numerous occasions and they haven't and the dealership has told me to get Westlake on the phone and to call him and we'll figure it out, otherwise he's not really listening to me. At this point I'm tired of calling Westlake and getting false hope, and I'm tired of calling the dealership and being spoken over.

Additionally, I've sent Westlake financial multiple emails about this issue, some which don't get responded to and others which don't really address my specific situations. I recently tried to call Westlake today, but my call didn't go through.

Per an email with Westlake on XX/XX/XXXX, here are the warranty amounts : Your warranty refund amount due is {$970.00}. ( WFS portion XXXX was already subtracted towards your principle last XX/XX/XXXX ). Were still waiting for the Dealer Portion {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: WA

Complaint narrative:
For about 1 year this company has been calling me when I have excellent ( over 800 ) credit rating. Early on I set my smartphone to block their calls from : XXXX yet it still leaves voice mails which say they are XXXX XXXX XXXX XXXX XXXX and leaving their XXXX   number for me to call, which I have never done as that gives them the legal right to continue calling me ; however, they keep calling anyway. All my debt obligations are paid in full or the required monthly payment with no late charges and most are auto- paid. I am not overdue or behind on any payments & have been current for decades. Whatever reason they continue to harass me I believe are unfounded. 
They have called several times each month. I am not certain as to whether they call my home ph. # XXXX or my cell # XXXX   as all my home ph. calls are transferred to my cell phone. Both of these phone numbers are unlisted, non-published and restricted. I figure if this company is really legitimate they can mail me a notice of the debt claim ; however, they never have. I have not been reporting their number previously as I didn't want to take the time to do so ; but would appreciate your help in getting them to stop calling and leaving messages when I believe they are unfounded. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Priority Checking Account ending in XXXX on XX/XX/XXXX because I received a special promotional flyer sent to my residence which stated that " I will earn XXXX thank you points if I make {$750.00} in debit card transaction and 1 bill payment for 2 consecutive calendar months within 60 days '', I completed above requirements by XX/XX/XXXX and was expecting the bonus to post within XXXX calendar days ; however, the points did not post within 90 calendar days. So I contacted citi on XX/XX/XXXX and I was reassured that the points would post within 30 days ; however, the points have not been posted as of XX/XX/XXXX. Since this is a targeted promotion and I provided the specific coupon code XXXX upon opening account, I feel frustrated and disappointed in citi 's ability to fulfill this promotion. I request that the XXXX thank you points be deposited into my account asap, and on top of that, XXXX~XXXX bonus points as an reimbursement for the time I invested in following up this case. 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 non-monetary relief
Consumer complaint received 2019-02-13 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: GA

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-13 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:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: TX

Complaint narrative:
Allied Interstate calls 50+ times per day from multiple numbers and area codes. Calls start as early as XXXX XXXX and as late as XXXX XXXX. The caller ( s ) are from a call center ( XXXX based by accent ) and will call back immediately from a different number if the previous call is not answered.

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 2019-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I applied for the income base repayment plan, after a year had gone by and had to renew the plan they never sent the paperwork to renew it. After which they then repeatedly called me at very inconvenient times while I was at work leaving daily messages about it. When I was able to call them they told me the only way to move forward was to forbearance the past due amount which had late fees attached or pay the past due amount. Which was around 700 dollars. So I had to forbearance it and then they said I had to apply for the income based repayment plan and quoted me a monthly payment that was twice as high as it had been before and was more the the payment would have been without the plan. This matter is unsettled as they were unwilling to work with me by just repeating my options with no additional help. I also was in a car accident and was out of work for a few months and they also only gave me the option of forbearance and only helping to lead me to more and more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: VT

Complaint narrative:
On XX/XX/XXXX, Commonwealth Financial Systems of XXXX XXXX Pennsylvania falsely reported to major credit reporting agencies ( XXXX, XXXX, and XXXX ) that I owed a debt of {$1000.00} to a medical practice in XXXX, Illinois in 2013. I have never owed such a debt, I did not live in XXXX Illinois in 2013, I have never visited an emergency room. CFS then reported through the mail that they were attempting to collect the debt. I responded informing them that I do not owe such a debt and that their attempt to collect and falsely report the debt violated the Fair Debt Collection Practices Act. They responded by continuing to falsely claim that I owed the debt ( ignoring the fact that they are referring to me by the wrong name ) and have failed to remove their report to the credit agencies. As a result, my credit score dropped more than 100 points, causing my credit card companies to reduce my available credit and increase my adjustable APR. In addition to this violating the FDCPA, they have caused financial damage by libeling my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX  XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and XXXX XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late twelve times, and I was never 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian, XXXX   and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late twelve times, and I was never 60 days late.

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 2019-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: NY

Complaint narrative:
I have been getting phone calls about a medical bill that is not mine they even told me over the phone ( XXXX ) that the name is not mine and i have noting to do with that name please make sure to take it off my credit report See old cfpb # XXXX With a different collection company with the same file

Company response to consumer: Closed with explanation