vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-25 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
On XXXX XXXX, 2017, I went to purchase a car and had my preapproval from XXXX XXXX. I ended up not getting anything because the car I came to the lot for they was unable to find. It somehow was driven to a different lot. However, they I see XXXX XXXX submitted my credit and ran it thru numerous companies which I did not authorize as I had my preapproval paper work and did n't get to use it due to the car not being there. A company named XXXX out of XXXX XXXX, Ca ran my credit, XXXX aka XXXX XXXX XXXX XXXX, Tn GM Financial, XXXX XXXX, XXXX XXXX. None was authorized at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Debt collector CBA collection bureaus ( original creditor XXXX XXXX XXXX XXXX XXXX ). Opened XXXX XXXX,2015 is trying to collect debt that is invalid. High balance {$140.00} ( balance {$170.00} ).  The debt collector has illegally tried to collect debt thats invalid, theyve illegally inflated this debt and IF this is valid I havent received an original contract of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: UT

Complaint narrative:
I received letter XX/XX/2017 that was adjustment for XXXX $ That amount has been credited to my account as reverse entry. This will appear on my account effective XX/XX/2017. Case : XXXX After I called US BANK XXXX customer service to get explanations For my account balance, they told me I have to call my home US bank, which is located at XXXX XXXX XXXX XXXX, XXXX - UT XXXX ( XXXX XXXX XXXX ) for almost 3 weeks I try daily to know any informations from them, but I got zero result. Every time I call or go there, the cashier told me that the manager is not available, and he is the only one can explain, and answer my questions!! 
Thanks, 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 2017-11-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted an application for a credit card with my local credit union, XXXX XXXX ( XXXX XXXX, XXXX XXXX, CA ). I was told that my application was pending and that I would be notified of the response within 24 hours. It is now XX/XX/XXXX and I have heard nothing from the institution. Moreover, the inquiry on my Experian credit report is for an installment loan, rather than a credit card. Due to the inaccurate information reported, I would like the inquiry removed from my credit report at once. Due to the unprofessional conduct of this bank not notifying me for several business days after my application, let alone within the 24 hours stated at the time, this bank should be flagged in the CFPB system.

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 2017-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was recently informed by a best buy customer service representative that I 've been paying for debt protection since XXXX of 2009. I never remember nor meant to sign up for this service. I contacted best buy to cancel this horrible service and receive a refund. A couple of days ago I received a notice that debt protection was cancelled but will not be given a refund because I " used '' the service. I 've never used this service and would 've never used this service seeing how I did n't know I had it. This is a scam and I want Best buy to refund my money.

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 2017-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid electronically $ XXXX XXXX. About 7-8 days later I saw that only 1/3 of it posted. I called them and rep kept telling me they never got the 2/3 of my payment and advices me to call my bank despite my insisting that the money had already been taken from my bank. He was rude and said he doesnt know what else to tell me but to call my bank. So I did. And bank tells me they nelnet took the money. I told bank nelnet claims they dont have it so I asked bank to pull money back. The next day nelnet calls telling me they found money but looks like bank taking it so can I call bank. Bank says cant reverse process so I pay back the 2/3 to nelnet on XX/XX/XXXX. About a week later again I see only 1/2 of this was applied. So I call them and ask where the other 1/2 is. And they said theyll look into it. But no one ever calls me back from solutions. I keep calling back and they give me the run around. Finally one was nice and on XX/XX/XXXX it got resolved. Now as of XX/XX/XXXX the money is missing again. I just called them today, XX/XX/XXXX, and their reps are being rude and giving me the runaround again. How do I file a lawsuit against nelnet?????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On XX/XX/2017 at XXXX XXXX, I received a denial for a recent application. I did not reapply nor did I ask or authorize this company to make an inquiry on my credit. They will not be to provide you a call recorded nor a documented app or request for higher loan limit. 
Especially since I am an existing customer with current loan already. So that is more evident I did not apply. This is the second time they have done this in the past two years ; apply for a hard inquiry on my credit that was not initiated not authorized by me. I want them fined and penalized.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
{$80000.00} was paid from my trust account with my social security number from the 15 U.S. Code 1692e Fair Debt Act.after payment i received a notice of receipt of paid in full about 2 weeks later i got a notice that the payment was there but they state that they had a notice of incorrect account. i request a coy of the reject code from my trust account the oringal stamp to report to the bank that was set up at my birth. I feel my consumer Right are and have been violated. and no full disclosure with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to dispute a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that any finance and other charges ( including late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting to the Credit bureaus because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) ) and related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of my credit report, and credit card statements supporting my position. 
Please investigate this matter and correct the billing error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XXXX XXXX XXXX XXXX, 2017 I went to the XXXX to look up people for a {$1.00} per person fee regarding public records of these individuals. Interference on my cell phone came through by text messaging where the bank asked if I made 3 transactions and check YES or NO regarding each. Two at {$1.00} each was made but the 3rd was not recognizable so I had to say NO and the access to the second persons data I was viewing ended and then I contacted the bank and they said fraud was taking place and they were to close the account. I spoke with the bank they gave me 2 verification # 's where my account was back and up and running and the automated banking service for my account said I had {$230.00} and some cents available and I went to the local XXXX  XXXX store for a {$7.00} purchase and the transaction was declined. I called the next day and my account was not recognizable by the bank and in 5-7 days I am to get a new # and card. Bank of America Visa is my account # XXXX, XXXX. XXXX XXXX, XXXX, Texas 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 2017-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America froze my account in sometime in XX/XX/XXXX because it alleged that certain funds I received in my account did not belong to me. BOA told me over the phone it was investigating my account and never sent me any correspondence. I had received a {$10000.00} cash deposit from a family member to help purchase a car. After months of waiting for the resolution, BOA later closed my account which had an estimated balance between my checking and savings account of about $ XXXX and now said it was due to $ XXXX check paid into my account. I told them that no XXXX check was paid into my account that they should send me a copy of the check. BOA reported me to check systems and their action prevented me from being able to open other accounts with other banks. 
In XX/XX/XXXX, I called back again and demanded to speak to a supervisor and again explained my situation and asking what happened to my balance/refund, BOA now sent me a check of {$3400.00}. I told them this is less than my actual balance and told them to send me my bank statement as at the time the account was closed, BOA sent me blank statements and nothing showing any figures. 
I want the CFPB to please open an investigation into this case, was there a check really paid into my account, and if not help me get my money back from this bank, I want nothing to do with them in future. 
BOA is notorious for closing accounts even when it lacked the proof that a transaction is fraud. They tell you they have a right to close your account for any reason but if they can not prove any wrong doing which their was none in this time, they must issue a full refund.

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 2017-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I applied for XXXX Loan forgiveness and was denied even though I meet all the requirements. I also applied for REPAYE to lower payments and was denied for that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Greenback Recovery Group, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I gave Greenback Recovery Group permission to withdraw {$50.00} from my bank account. I gave them my debit card number so they would be able to. This was a one time only withdrawal. On XX/XX/XXXX or XX/XX/XXXX they withdrew anther {$50.00}. I did not give them permission to do so. I have attempted to reach them to notify them they are not allowed to withdraw any funds from my bank account. To make sure they do not withdraw more funds I feel I have to get a new debit card. 

The agreement I had made with them was for me to make a payment once per month. Now I am not even sure they are a collection agency that has been hired to collect a debt. 

Please help me resolve this.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.

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 2017-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several of my accounts at Transunion are not reporting monthly as required by law. I have two XXXX  XXXX credit cards that have not been updated since XXXX 2017. I have contacted Transunion XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time Transunion blames XXXX XXXX, however XXXX XXXX has provided me with proof of monthly reporting to Transunion. Another account I have XXXX XXXX Transunion is with holding the reporting of this account. Another account XXXX XXXX loan again not reporting monthly payments. 
I have contacted all companies and have proof of reporting to Transunion. XXXX XXXX has filed their own investigation as to why they have not reported my payments in 4 months. Enough is enough. Transunion is manipulating credit scores.

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 2017-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.

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 2017-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I became delinquent with a business credit card account with XXXX XXXX. XXXX XXXX reported my delinquency with the three major credit bureaus ( XXXX, Equifax, XXXX ). They also hired a collection agency to collect the debt. I reached a settlement agreement with the agency and paid the agreed amount in full per the contract. As soon as I paid the full settlement amount, that is when all my problems began. It has been a nightmare of process that is still ongoing and has severely hindered my ability to get credit and financing ... things that I rely on and need both personally and for my business. In short, as soon as the settlement was paid, all three bureaus reported incorrect dates on my personal reports essentially " re-aging '' my debt. The issue solely stems from the DOFD or " Date of First Delinquency ''. The correct date of the First Delinquency is XX/XX/XXXX. Currently, all three of the credit bureaus have different dates listed for that delinquency. The most damaging is XXXX, who has the First Delinquency date of XX/XX/XXXX. They also removed all the history of the XXXX XXXX account with an exception of one date ... that being XX/XX/XXXX. Please note that I personally contacted XXXX XXXX and they have CONFIRMED the First Date of Delinquency as XX/XX/XXXX. Now, after the confirmation with XXXX XXXX, I sent registered letters to all three bureaus TWICE to dispute the incorrect information. The first was in XX/XX/XXXX ( as soon as the saw the drastic change in my report and massive drop in my credit score ). All three bureaus responded with letters stating that the account was " updated ''. However, nothing was updated in all three reports. I then sent the SECOND set of registered letters to all three bureaus in XX/XX/XXXX stating the information I provided to them was verified by the creditor ( XXXX XXXX. Additionally, I asked them all to please tell me how they were able to " update '' or " verify '' the account. I also stated that because they all have the information incorrectly reported, even after my disputes, BY LAW and the FCRA, they must delete the entire account since they can not get it correct. Unfortunately, I received the SAME EXACT RESPONSES from ALL THREE OF THE BUREAUS with no change to my report. They just sent me generic letters with absolutely no answers whatsoever. As it stands today, my personal report is still incorrect and even more frustrating, all three bureaus have different information for the same XXXX XXXX account. The entire process has been a nightmare and has wrecked me both financially and mentally. I DO NOT know what to do at this point. I hope that the government will assist me in this matter.

Company response to consumer: Closed with non-monetary relief