vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 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: CA

Complaint narrative:
XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
The phone number being called on the weekends is a business phone. The company is attempting to contact people who do not work at this business. I have requested that the company stop calling twice already in the past week but they persist. The company is Portfolio Recovery and the # is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ACS Education Services
State: PA

Complaint narrative:
My reports shows I lived at an address I never lived at and was reported on XX/XX/XXXX by ACS/XXXX  XXXX XXXX and/or creditor it was sold to-XXXX XXXX XXXX on XX/XX/XXXX. 
ACS/XXXX XXXX XXXX XXXX Account opened on XX/XX/XXXX. It also reports on XX/XX/XXXX I was 90 days late and on XX/XX/XXXX 60 days late. I have sent in copies of divorce decree showing ex husband is responsible several times over the years with no update. The loan is closed as of XX/XX/XXXX. He received the bill while he was living in Virginia while account still open and was making payments as of XX/XX/XXXX and I did not receive a bill as I lived in Pennsylvania. It shows he paid XX/XX/XXXX and then suddenly was 60 days late the next month of XX/XX/XXXX and then suddenly 90 days late on XX/XX/XXXX. How is that possible? I was not aware of this bill and have asked several times that this delinquency be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I was the principal co-signer for my son on an auto loan with Credit Acceptance. On  XX/XX/2018 when I contacted Credit Acceptance they stated the account was delinquent in XXXX. Why wasn't I contacted? I am the prinicipal co signer! Credit Acceptance did not advise me of delinquency on the account. As far as I knew the account was current. Credit Acceptance has a legal obligation to keep me informed especially since I was the principal signer. Credit Acceptance had offered an SFL offer of {$2400.00} valid through XX/XX/2018. We were going to honor that SFL offer and pay before XX/XX/2018. But instead of honoring their SFL offer Credit Acceptance on XX/XX/2018 illegally and unethically closed the account, sent it to collections and plummeted my credit score. I worked hard to build up my credit. In doing so I was going to purchase a car in XX/XX/2018. But since Credit Acceptances ' adverse action on my account, I won't be able to make my much-needed auto purchase. Credit Acceptance failed in their fiduciary responsibility by not keeping me advised of the accounts ' status,  closing the account and sending it to collections prior to honoring their SFL offer valid through XX/XX/2018. These corrosive actions are simialr to predatory lending practices which are illegal. I want to be made whole!

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 2018-10-22 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: AZ

Complaint narrative:
There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX  tells me to contact the business to get it cleared up.

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 2018-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I did originally give my approval to open this account. 
The amount of the services was over the amount of credit extended to me. My floors had to be measured for installation of flooring before any amount could be finalized. I was not aware of the actually total until the measurement were taken and submitted to XXXX XXXX the next day. I received an email the next day about the measurement and was ask to come in the store to proceed with setting up what I wanted to be installed. I went to XXXX XXXX, in XXXX, TX on Saturday approx XXXX and was told they had already shipped materials to my home without my knowledge or authorization and they called the credit card company to ask for a credit line increase without my knowledge or authorization. Asking for a credit line increase damaged my credit. The employee ( XXXX ) just starred at me and and said he was wrong ; the other ( 2 ) employees never said a word. This employee was trying to railroad me into $ XXXX dollars for 1 room and 14 stairs and a stair land of laminate wood. I call the credit card company Synchony and an employee and a supervisor could not help me with their policy to request and increase ; but for me to talked with them I had to give my name, ss #, address, phone number. I would think the XXXX XXXX employee had to do the same. XXXX at the XXXXXXXX XXXX XXXXXXXX office said this is not their policy ( to request an increase without the customer 's knowledge or authorization ) and they would talk to the manager. However this does not help my credit that has been negatively impacted. Synchrony does show that a credit line increase was requested. Can you help? or give me some direction? 
ps : approved credit applications should be lock away once approved. This will assist with keeping predator employees from harming customers.

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 2018-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
I was inquiring about a loan of {$400.00} from Big Picture loans. I made it to the final step and decided I didn't need the loan. I then recieved {$400.00} from the loan company. When I noticed I called to find out how I recieved the money if I did not finish the loan application. I was given the run around until finally I became frustrated and hung up. They started taking {$140.00} from my account every other week. When I called to inquire how long it would take to pay off after the payments never stopped they tried to look up my account with an email Address but said that they did not have an email Address on file because the application was never completed. I would not provide them with my email Address because they told me that all loan agreements must have a email Address in order to be signed. They now say I still owe them over {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX @ XXXX I XXXX XXXX called XXXX, XXXX in response of my dispute, the letter read we received your dispute and need additional information and to respond in a timely manner. I spoke with a woman who told me that some accounts were not in dispute and I told her that all of the accounts in the office because I never received validation within the time allowed. I told the rep what I wanted and asked her name she refused and put me on hold for a long time then hung up..

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 2018-10-22 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: CA

Complaint narrative:
XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!

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 2018-10-22 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: CA

Complaint narrative:
XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!

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 2018-10-22 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: Rocket Mortgage, LLC
State: MT

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, Quicken Loans pulled my credit report without my knowledge or authorization to do so. I found out just this year, XXXX, that the inquiries were on my report and I got a hold of Quicken Loans immediately. They asked for a letter from me stating that I did not authorize such a credit pull, which I provided. I want disciplinary measures taken toward Quicken Loans and the mortgage loan officer who pulled my credit report twice without any sort of authorization by me whatsoever. They fraudulently obtained my credit information without my expressed consent and there should be repercussions. I was told today, XX/XX/XXXX, by XXXX XXXX, representative for Quicken Loans, that the inquiries will be taken off my credit report with no direct date of this noted. XXXX did take XX/XX/XXXX, off because it was a repeat of the one Quicken also pulled on XX/XX/XXXX. As of this date, the pull on XX/XX/XXXX, is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
A payment of {$17000.00} was posted to my account by a third party. I called Bank of America and specifically asked if this payment had cleared and if there was any way said payment could bounce. I was assured that it could not. Based on Bank of Americas reassurance to me, I wrote a cash advance to said third party for {$16000.00}. Subsequently, the payment that the third party put on my account bounced. Bank of America is insisting that I repay the {$16000.00} despite me informing them that but for their reassurance that the payment wouldnt bounce I would never had issue the cash advance check. Ive tried repeatedly to resolve this matter and to try and get Bank of America to accept responsibility for this misleading me to no avail. 

Anything that you can do to assist me, will be greatly appreciated. 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 monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
In XX/XX/2018 The Company executed the foreclosure on the DEED AND TRUST of my late father 's home. 
I have reason to believe that the company did not have possession of the NOTE to enforce the foreclosure on the DEED AND TRUST. 


The home was foreclosed on and I am still searching for the NOTE.

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 2018-10-22 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: Credit Karma, LLC
State: AZ

Complaint narrative:
There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX/XXXX  XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact Credit Karma to resolve the issue, CK tells me to contact the business to get it cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up.

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 2018-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent a letters to have this account removed. I asked the company to provide my signature of our agreement. I asked them to remove this information off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I terminated my lease with GM Financial on XX/XX/2018. I received a bill on XX/XX/2018 for " remaining contractual charges ''. I contacted GM Financial by letter on XX/XX/2018 disputing a charge of {$150.00} and late charge fees. I requested validation of these charges and never heard back. They only continued to send bills. I contacted GM Financial again by letter on XX/XX/2018 requesting validation for a 2nd time and never heard back from them within more than 30 days. They are now reporting 90-119 days late on my credit reports even though this lease was terminated in XXXX. I am attaching all letters that I sent to them which began in XXXX ( XX/XX/2018 ). They never responded to any of my correspondence. I received a call from a representative last week and she only asked if I was willing to set up a payment arrangement, but did not acknowledge any of my correspondence until I brought it up. Regardless they did not ever respond back to me in a timely manner. I am attaching all letters that I have sent to them with proof of delivery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
This is in reference to 2 payments made online with Navient. I made a payment of {$160.00} on XX/XX/XXXX and {$27.00} previously. I received email confirmation saying payment was received. A few weeks later I am getting notices saying my payment is late, its going to collections etc. I logged on to find that Navient had reversed my payments. No explanation why. Upon research I discovered that many people are experiencing this. 

This morning I called Navient. Of course theres longer than usual wait times as well as having to make an appointment to speak with someone later in the week. 

In the past Navient has charged a fee to make a payment over the phone. 
Also, its unjust that my credit is being affected due to their mishandling of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I have had this credit card for 8 years. I maxed out the balance at {$2200.00}. Each time I paid down over {$100.00} I called to decrease the available balance. I lowered it to {$1100.00} and have been making payments regularly. 
I received a letter stating that they were not going to renew my card.

After speaking to customer service I found out that it was because my credit score had gone down. Even though I was never late on this card they still closed it.

Now my credit score will go down even more.

I think this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I traded in a car as a down payment ; on a XXXX used car an everything was fine.The guy that sold me the vehicle at XXXX XXXX XXXX  ; Said XXXX XXXX would finance the car. An your payments would start XXXX ; XXXX ; ; XXXX. He said they would contact me to setup payments.Three months past still haven't hered anything ; Turns out they got my address wrong when they submitted it to XXXX XXXX so my billing was going to someone else an before I new it they came on my job to take the car as repossession. I never made a payment because the billing was going to another address.Now I have proof they got the addresses mixed up an they still won't return the vehicle trade in or compensate me for their error or mix up.I have all the proof you need on paper that it was a mix up.

Company response to consumer: Closed with non-monetary relief