vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Innovis
State: OH

Complaint narrative:
I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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 recently pulled my credit report because i'm in the market to buy a home. I noticed some items on my report that were not approved by me. Please remove these items from my credit report. This isn't fair and totally embarrassing. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. PH XXXX XXXX XXXX XXXX XXXX. I am doing this by myself and I also contacted the FTC and my local police.

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 2019-02-09 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 recently pulled my credit report because i'm in the market to buy a home. I noticed some items on my report that were not approved by me. Please remove these items from my credit report. This isn't fair and totally embarrassing. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this by myself and I also contacted the FTC and my local police.

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 2019-02-09 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 recently pulled my credit report because i'm in the market to buy a home. I noticed some items on my report that were not approved by me. Please remove these items from my credit report. This isn't fair and totally embarrassing. 01 XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX.XXXX XXXX. XXXX   XXXX XXXX XXXX XXXX XXXX. I am doing this by myself and I also contacted the FTC and my local police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Complaint against : Experian, XXXX and XXXX. 
In XX/XX/XXXX my mortgage company, XXXX XXXX XXXX XXXX XXXX, erroneously reported to the three main credit reporting agencies that my XXXX, XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XXXX, XXXX mortgage payment was made on time and was not 30 days late, AUD XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XX/XX/XXXX. 
In XX/XX/XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XXXX, XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : Experian, XXXX and XXXX  sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent AUD XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with Experian, XXXX and XXXX  on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.

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 2019-02-09 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 recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( XXXX   EXPERIAN 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 2019-02-09 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 recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( 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 2019-02-09 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 recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( MEDICAL XXXX   EQUIFAX ) 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 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Sir/Madam, I applied the following Checking and Savings account with bonuses on XX/XX/XXXX. I have made my first direct deposit of $ XXXX on XX/XX/XXXX, but I didn't receive the {$200.00} Checking bonus as of today. Also, I have deposited {$100.00} until today, while I didn't receive the {$50.00} Savings as well. So could you please investigate this problem for me and fulfill the bonuses for me ASAP? 

Thank you very much! 

XXXX XXXX XXXX Checking bonus : You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 12 months or closed due to negative balance to be eligible for the bonus. 
Eligible accounts include BBVA Compass ClearConnect Checking, BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking and Easy Checking Within sixty ( 60 ) days of account opening, at least one electronic deposit of your paycheck, pension or  government benefits ( such as Social Security ) from your employer or the government in the amount of at least {$500.00} must post to the new checking account The {$200.00} cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above. Account must be open and in good standing with a balance greater than or equal to {$0.00} at the time of payment in order to receive the new account bonus. 
Savings bonus : You must be a new BBVA Compass consumer savings customer who has not had a BBVA Compass consumer savings account open within the last 12 months or closed due to negative balance to be eligible for the bonus Eligible savings accounts are BBVA Compass ClearChoice Savings, Build My Savings, ClearConnect Savings and Young Savers Savings account must be opened within 60 days of checking account Account must be opened with a minimum balance of {$100.00} in your new BBVA Compass Savings account. The minimum balance of {$100.00} must be maintained through XX/XX/XXXX to qualify. 
The {$50.00} cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above. Account must be open and in good standing with a balance greater than or equal to {$0.00} at the time of payment in order to receive the new account bonus. 
The BBVA Compass savings account holder must be an account holder on the new BBVA Compass consumer checking account General rules : New BBVA Compass customers may be eligible for {$250.00} in cash bonuses from XX/XX/XXXX XX/XX/XXXX, by opening a new qualifying BBVA Compass consumer checking account, and one of the following : BBVA Compass consumer savings account. 
There is a maximum of one ( 1 ) {$250.00} bonus per household. There is a maximum of one Checking Bonus and one Savings Bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to contact different debt collectors multiple times for a debt that states XXXX XXXX XXXX i have tried to contact the debt collector XXXX XXXX XXXX only to be transferred and hung up on multiple times so I then try to disputed it with the credit agency Experian and they tell me that they verified the debt and it will stay I can not seem to have anyone tell me what the debt is for yet i to have to deal with the consequences of it is unfortunate and unfair

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 2019-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I had leased a XXXX XXXX XXXX from GM Finance. I returned the car at the end of the lease period XXXX XX/XX/XXXX ). I made ALL OF MY LEASE PAYMENTS ON TIME during the lease period. There was NO PAYMENT DUE when I turned in the car. 

My GM Finance account, however, continues to remain open and I continue to get billed every month, even after the car has been returned and I no longer own the car. I verified with the dealership where I returned the car - they did send my car return paperwork to GM Finance. They even resent it in my presence. 

Since I have not been paying these post-car-return " bills '' which are accruing for no reason, my account is now wrongly deemed DELINQUENT. If that was not bad enough, GM Finance has reported my account to the Credit Agencies as DELINQUENT!! 

The above has negatively impacted my CREDIT SCORE and has affected my ability to get mortgage for a house I am in the market to purchase. 

I have called GM Finance Customer Service NUMEROUS TIMES. Additionally, I have submitted complaints from the GM FINANCE Website and through Customer Service emails. I have also asked for help through GM FINANCE XXXX page. 

The Customer Service Agents I talk to one the phone seem powerless to do anything and " we will forward your case to the right department '' is the stock answer. Emails to customer service and complains submitted from GM Financial website are not responded to at all. 

After more than a month of trying to get my account closed, I have not been successful. The account is still open and I get warning letter from GM Finance Collections Department about supposedly " overdue '' bills. 

I need GM Financial to close my account and take steps to fix my credit score urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a joint account with my son. On XX/XX/XXXX he made a mobile deposit for {$820.00}. He thought the deposit did not go through accurately so he took the check to the ATM and deposited the same check. Wells Fargo decided to reject both transactions. The bank then sent a letter and copy of the check back to me. On XX/XX/XXXX I took the copy of the check back to the bank. The teller and branch manager proceeded to tell me that the check was valid and thus, they deposited the check. Then on XX/XX/XXXX, Wells Fargo rejected the deposit again. I was told I had to go back to the maker to get a new check. However, the maker claims that Wells Fargo cashed the check and thus will not provide a new check. Consequently, I am still out {$820.00} and Wells Fargo refuses to return my money. What recourse do I have? Clearly Wells Fargo stills has my money but refuses to reimburse 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 2019-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have repeatedly requested physical documentation for the following accounts, ( 1 ) XXXX XXXX XXXX XXXX, {$950.00}. ( 2 ) XXXX XXXX XXXX, {$260.00}, {$210.00}, {$180.00}, and yet to receive anything outside of the following credit agencies Transunion and XXXX   saying that account been verified. However in accordance with the policies of The FCRA if this requested information is not received then the accounts shall be removed. Therefore, I have requested the Method Of Verification and never received anything.

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 2019-02-09 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 went to cosign for my son a car for college and was denied. I applied for a copy of my credit report and there are stuff on there that is not mine. XXXX XXXX/XXXX ( Acct XXXX ), XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX, XXXX. Please have these items removed. Also I see where my credit has been ran without my permission : 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. I'm doing this on my own and I have also contacted my local police and FTC.

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 2019-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have tried to contact different debt collectors multiple times for a debt that states XXXX XXXX XXXX i have tried to contact the debt collector XXXX XXXX XXXX only to be transferred and hung up on multiple times so I then try to disputed it with the credit agency XXXX and they tell me that they verified the debt and it will stay I can not seem to have anyone tell me what the debt is for yet i to have to deal with the consequences of it is unfortunate and unfair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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 went to cosign for my son a car for college and was denied. I applied for a copy of my credit report and there are stuff on there that is not mine. XXXX XXXX/XXXX ( Acct XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. Please have these items removed. Also I see where my credit has been ran without my permission : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I'm doing this on my own and I have also contacted my local police and FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have repeatedly requested physical documentation for the following accounts, ( 1 ) XXXX XXXX XXXX XXXX, {$950.00}. ( 2 ) XXXX XXXX XXXX, {$260.00}, {$210.00}, {$180.00}, and yet to receive anything outside of the following credit agencies XXXX  and Experian saying that account been verified. However in accordance with the policies of The FCRA if this requested information is not received then the accounts shall be removed. Therefore, I have requested the Method Of Verification and never received anything.

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 2019-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Complaint against : XXXX, TransUnion and XXXX. 
In XX/XX/XXXX, my mortgage company, XXXX XXXX XXXX , XXXX, erroneously reported to the three main credit reporting agencies that my XX/XX/XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XX/XX/XXXX mortgage payment was made on time and was not 30 days late, AUD XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XX/XX/XXXX.

In XX/XX/XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : XXXX, TransUnion and XXXX   sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent XXXX XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with XXXX, TransUnion and XXXX on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.

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 2019-02-09 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: WI

Complaint narrative:
Complaint against : XXXX, XXXX and Equifax. 
In XXXX, XXXX, my mortgage company, XXXX XXXX XXXX XXXX XXXX, erroneously reported to the three main credit reporting agencies that my XXXX, XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XXXX, XXXX mortgage payment was made on time and was not 30 days late, AUD  XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XXXX, XXXX. 
In XXXX, XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XXXX, XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : XXXX, XXXX and Equifax sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent AUD XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with XXXX, XXXX   and Equifax on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.

Company response to consumer: Closed with explanation