vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I recently completed a 26 month lease term 2 months of which were an approved lease extension. I learned as of XXXX that since XXXX. GM had my lease account listed as a total loss. I continued to make payments on time throughout these months due to me being unaware as my vehicle was NOT a total loss. Im the midst of this madness GM had not reported a payment to XXXX since XX/XX/XXXX and XXXX since XX/XX/XXXX. Once the vehicle was returned and the total loss issue was resolved after numerous phones calls, Gm then decide to update their monthly reporting with an incorrect balance. My lease was up as of XX/XX/XXXX but according to my XXXX and XXXX reports, I have not yet fulfilled my lease agreement! TransUnion is showing only 42 % of the balance and term have been completed and XXXX is showing something completely different. I contacted GM where I spoke with both reps and supervisors regarding this issue. The reps tried to tell me that the $ XXXX balance on my credit report were end of lease fees and unpaid balances. I advised her I could send her my payment history ( as o knew she had right in front of her ) to show her this was not right. I spoke with a supervisor who confirmed my end of lease invoice had not yet been generated which confirmed that this balance was not from those fees especially when the 2 reporting agencies have 2 different balances. I have since gotten a new vehicle from a different lender because I want to stir clear from GM. However, according to 2 of the 3 major credit reporting agencies, I have now 2 car loans that I am making installment payments on which aid affecting my credit worthiness due to debt to income ratio issues. The supervisor I spoke placed me on hold for an excess of 25 minutes, came back to the line and advised he now understood my issue and that a rep from the reporting department would contact me within 48 hours. It is now 10 days later and I have not received a call or update. I refuse to call customer service because I never get anywhere and the reps and sups are ALL unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Benjamin Chaise & Associates
State: FL

Complaint narrative:
Hello, I had requested that this collection firm to please cease and desist any and all communication with me, as well as my company, its employees, telephone reception, family and friends, in relation to their alleged debts they I owed. 

I had wrote them a letter to document a period of verbal telephone and email harassment we have received from this collection agency during a period of time from the past one ( 1 ) month. 

Such conduct has caused us to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. This included telephone calls using verbal threats and abusive language. 

I had an agreement with the collection company client company XXXX XXXX directly dated XX/XX/2018 and I had adhered to all of our payment obligations. Service Failures have resulted in reduced payment in accordance with our contract. 

Total dispute amount was {$3000.00} for cleaning services not provided to my personal private property Please help and advise. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: NM

Complaint narrative:
I have {$240000.00} lost in the abyss as monies wired to Discover Bank were rejected due to the fact that they were sent to their international routing account. Information on Discover 's website states : When initialting an incoming wire, please includ-e your name and Discover Bank Account Number and wire to : -XXXX XXXX XXXX XXXX Routing Number XXXX That routing number ( which is shown in bold on their site is to their international account ) It took 7 phone calls and several hours to find out what had happened to my money. 
Beyond that, all they will say is " Sorry '' and the money won't go back to originating account for 5 business days. 
I was attempting to write an offer on a home yesterday but was unable to as I do not have " verification of funds '' and it will be next week before I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I '' ve been paying almost 2 years on account that keeps getting higher and higher with interest and hidden fees each month. Each month I owe more money to them {$1600.00} in interest and hidden fees. My account maxed at {$4400.00} and now its {$6000.00} with interest fees and hidden charges and I haven't used the card in almost 2 years. I was being {$92.00} for security on the card and didn't know until I called complaining about interest charges. The billing rep broke it down I owe more money each month I pay with hidden fees, varying interest rate, and late charges that are applied at random. The only help offered was call XXXX number to have {$92.00} fee removed from bill.

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 2019-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc.
State: OH

Complaint narrative:
I HAVE A ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE CBCS # XXXX. I NEVER BEEN TO XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX THIS ACCOUNT IS DEFINITELY FRAUD OR IT BELONGS TO SOMEONE ELSE. 
I BELIEVE IT BELONGS TO MAYBE ANOTHER XXXX XXXX. PLEASE DELETE THIS ACCOUNT AND STOP ALL CONTACT WITH ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
This collections agency called American Collection Agency DBA Retrieval Masters Creditors Bureau Inc had my personal private information on file for a debt that I do not owe and they did not realize they had a data breach which affected people in their system. Now I received a letter to let me know that my personal info could be on the dark web. 
What kind of lack of security are you running? You should be sued for losing people 's private information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting lates I do not have. My account was garnished at the time and there should not be any lates on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i have never been late to this account. i have records of all my payments sent to JP Morgan and Chase for this vehicle.

on the month of XX/XX/XXXX Chase apparently misplaced my check and payment.

i paid my XX/XX/XXXX payment on XX/XX/XXXX Check # XXXX  i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. later on i spoke to Chase and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
Diversified Adjustment Service , INC . 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX XXXX I received an email alert from XXXX XXXX that a company named, Diversified Adjustment Service , INC. had reported a debt from XXXX. 

On XX/XX/2019 I called the company and explained that the my phone was returned and paid in full. On XX/XX/2019 @ XXXX XXXX I sent an e-mail to a representative of Diversified Adjustment Service, INC. giving them proof of my paid receipt from XXXX. 

At the end of XX/XX/2019 I called Diversified back because it was still on my credit report. The representative said XXXX had not responded back yet. I called back towards end of XX/XX/2019, and the representative said the same thing. 

I have my original paid in full receipt from XXXX, which I emailed to them. I would like help in resolving this because Diversified is not removing it from my credit report even though it has been over 60 days since they notified XXXX with no response from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
My mortgage was sold to Carrington Mortgage Services by XXXX XXXX XXXX. I checked on that companys reputation and was alarmed to find that they are known more for being a debt collector per se. i am behind in my mortgage payments due to heat pump repairs which have happened for three years in a row. I have tried to catch up but can not afford to pay the additional amount they quote to catch up. I have been paying at mid month each month until this month. At last I am able to make a payment on the XXXX ( the due date ) and will make another payment at mid month when my Social Security check comes in. However, Carrington has set up their online payment system to prevent me from paying on the XXXX if I am behind. Per an online chat with one of their service reps, I was told that I will not be allowed to make a payment until the XXXX. I find their practice detrimental to allowing one to catch up and places them in a better position to start foreclosure. There is no logical or reasonable reason for preventing paying online only on a specific date. The odds seemed stacked in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I have filed 3 previous complaints : XXXX, XXXX, XXXX, about TransUnion and how they allowed a furnisher to obtain my information under false pretenses. I had an Adverse Account put on my credit from XXXX XXXX also known as XXXX XXXX. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ]. 

On XX/XX/2019 while on the call with a TransUnion representative she deleted the account. On XX/XX/2019 I received the Investigative Results which only stated " DELETED ''. TransUnion did nothing more than delete the account while I was on the phone with her. The furnisher did not receive any notice from TransUnion that I disputed the debt. TransUnion did not notify the furnisher at all. 

I requested TransUnion send a description of the PROCEDURE used to determine the accuracy and completeness of the information provided and TO include the business name and address of the person they contacted in connection with such information. On XX/XX/2019 the TransUnion representative said that since TransUnion " DELETED '' the information it can't be disputed. 

XX/XX/2019 I called to have the hard inquiry from this same furnisher removed. I was told I have to get a letter from the furnisher asking them to remove it. ( not going to happen ). Then I asked what purpose did the furnisher give. The representative went on to say she 'does n't know the codes and let me give you our address to send the letter '. 

Consumer Financial Protection Bureau what do I do now? After 3 disputes and three phone calls I still am being denied my rights under The Act. The furnisher had no permissible purpose to obtain my report. It is a landlord trying to collect a debt. They do not have a court judgment, they are not a credit agency nor did I apply for insurance, an apartment, a loan or employment. THEY ARE AN APARTMENT COMPLEX IN XXXX OK who obtained my information under malicious and intentional pretences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On my credit it shows Syncb National Credit Cards/Airlines. I have gotten bills, calls etc. I told them I never got any money for any airline anytime in my life. I simply was looking but never received anything. They did not care. This needs to come off of my credit. I am not paying for something I did not do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Went to an ATM on Sunday ( XX/XX/XXXX ) morning and it swallowed my 'NOW ' prepaid card and my {$200.00} deposit around XXXX. I filmed the ATM malfunctioning for proof just in case they tried to argue with me. Made a claim dispute during the incident and they said it would be handled in three days and it has been over two weeks and nothing has been done. They refuse to give me back my money even though I have proof that the ATM malfunctioned. When I called a supervisor on regions green line ( XX/XX/XXXX ), she calls the branch manager ( where atm issue happened ) and the manager calls me and starts raising her voice at me ( have audio ), that she's doing her job and she's done basically done with me. I went to another regions location and filed a complaint with that manager. I will be filing a police report and others need to know how terrible regions bank customer service is and that they are thieves out to make a quick buck

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 2019-07-02 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo # XXXX is reporting a late I do not owe. My account is on auto payment and I know it was paid that month. This late is added in error and is inaccurate and should not be there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
I XXXX XXXX is an customer with the XXXX XXXX XXXX with dr XXXX. The loan officer XXXX XXXX stated I can go under contract while I am in the club. XXXX stated that the Florida bond and the 10000 that dr XXXX closing that I would have nothing due at closing. After I signed the contract and paid 150 of my binders fee with the sale agent XXXX XXXX on XX/XX/XXXX, XXXX stated that it will be 4000 due at closing. I have told XXXX several times that I have no money for closing and that is why I applied for the FL bond. I feel that I was told what I needed to hear just to sign the contract. XXXX XXXX has ignored several texts and calls regarding me getting my binder fee refunded due to me not being approved of what the loan officer XXXX XXXX stated

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a late I do not owe. My account is on auto payment and I know it was paid that month. This late is added in error and is inaccurate and should not be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a late I do not owe. My account is on auto payment and I know it was paid that month. This late is added in error and is inaccurate and should not be there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
We used two credit cards from chase bank to purchase two services. We never received either service. We disputed all five charges which were made from one merchant who billed us under two names. Chase agreed with us in three if the charges but has refused to provide relief for the last two. We disputed the charges in XXXX of 2019, provided all information requested. Even had our chase banker fax information the information from her bank to credit card division in XX/XX/XXXX. We also faxed the information ourselves to them in XX/XX/XXXX. I made multiple calls to them and asked what additional information they needed to resolve the last two disputes. We provided everything they asked for. In XX/XX/XXXX I was told that too much time has passed to resolve the final two disputes. One of the disputes they had resolved in XX/XX/XXXX was to the same named company that the last two disputes. I asked them the logic of approving one of three disputes with the information provided but not the last two. No answer provided. I requested a copy of all information we had provided them. They sent only the information provided on the claims from the card with the two open claims, not the information from the card which had a very similar charge settled in our favor. I have request that information again and am waiting for response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: RI

Complaint narrative:
I have repeatedly asked that my extra payments on my student loans be applied directly to principal, and that my due date not be advanced, and my student loan servicer MyFedLoan refuses to process my payments in the way I specify. I called today to express my dissatisfaction and spoke to XXXX. My student loan payment is {$240.00} and due on the XXXX of each month. Currently, my servicer claims that I do not have a payment due until XX/XX/XXXX of 2019. However, I pay {$450.00} monthly, with my regular monthly payment plus {$10.00} and I make two bi-weekly payments of {$100.00}. This is done strategically to hit the principal balance, lessen the interest accrual and pay the loans faster. My servicer refuses to put my extra payments directly on my principal balance, and despite my requests, maintains that it is within their right to apply it to interest first. 

I don't believe this is correct. Every other lender I deal with provides the option to make just a principal payment. Also, I believe that the consumer is allowed to request how their payments are applied. The way that they are applying my payments forces me to pay more interest despite my efforts to pay less interest and pay them off prior to maturity, which my loan agreement allows me to do without penalty. 

I would like this investigated as I believe they are in violation as to the consumer 's right to request how their payments are applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I reviewed my credit report and noticed an account from a creditor I have never done business nor authorized to report on my consumer report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation