vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Good day, I received a bill for {$44.00} ( " immediately due open receipt '' ) dated XX/XX/20 from GM Financial ( acct # XXXX XXXX after completing our lease. On XX/XX/20 I called and spoke to " Teka # XXXX. '' XXXX responded that I should " ignore the bill ... It is a California thing. '' XXXX could not offer me an e-mail or any confirmation to that end. She suggested I call back in two weeks, On XX/XX/20, I received another bill for the {$44.00}. On XX/XX/20 I called GM Financial, XXXX ( PST ), and received a busy signal on the phone line.On XX/XX/20, I called and I was on hold for an hour and 10 minutes before hanging up. 

On XX/XX/20 I was applying for a loan to discover that GM Financial had " dinged '' my credit report ( s ). 

I am seeking to have this " ding '' removed with your help. 

Greatly appreciated, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 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 — Investigation took more than 30 days
Company: Risecredit, LLC
State: SC

Complaint narrative:
This account was purchased by another lender now its reporting twice on my two of my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2020,, Continued Issues,, Just Heard About The ( BIG ) Matter About Mr XXXX,, Ceo,, of Wells Fargo Bank,, Even If He Did Make This Very,, BAD, ) Comment This Can't Change He Meant What He Said,, And It Is Very UnAcceptable Behavior At This Company,, I'm A Loyal Customer At This Company,,,, So I Feel So Upset About This Matter,, He Too Should Be Fired,, ASAP,, This Is Not Forgiving At All,, He Really Makes The Company,, MESSY,, Too,, ( Quote,,, What Kind Of Business Is This,,? What Matter Is He Said It, and This Can't Be Taken Back At All,, What Is The President Saying About This Problem???

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 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: CA

Complaint narrative:
The company is IQ data and they are still taking my money after disputing and they have proof they its waived off and its under process and they are threatening that non-payment within 15 days would affect my credit score! 

Her name is XXXX XXXX and my account number is XXXX. 

And during the pandemic she is not waiting to see the final dispute result instead threatening me. 

Their number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Approximately XX/XX/2020 I had my bank through a payment service mail LoanCare ( a subsidiary of XXXX XXXX ) my mortgage payment the payment amount was {$3800.00}. Loancare received my payment and misapplied my {$3800.00} to the wrong person 's mortgage. Because of the way they send the bills I could not tell that the payment was missing till XXXX. I complained to Loan Care ask them to suspend the credit reporting and ask them to research and find the missing monies. 
Loancare refused to move forward without me providing additional information like a canceled check. Loancare apparently has constructed all of there policies to delay and frustrate consumers so that they can not get proper attention. Nobody that answers the phone is allowed to make any decisions they are only allowed to send emails up and do something called escalate that never happens. 
I explain to Loancare that I gave them the exact date of the check the exact amount and all they needed to do was search on their computer they refused to do so. Finally I got proof of payment from the sending bank ( XXXX ) and sent it to Loancare. Loancare lost my then Loancare submission XXXX times. During this time Loancare continue to report negative credit and knocked my credit down by 100 points. I have been turned down to credit and had one credit card canceled because of Loan Care 's malfeasance and fraudulent actions. In total I spent so far 27 hours on the phone with Loancare representatives and have sent them over a dozen emails. I have requested from Loan Care over a dozen times to send me a copy of every payment they got front and back of checks and when they were received and cashed so that I could then research the missing money. Loancare never responded or sent any of the information requested. 
I asked if they forward emails over to their legal department they never did to my knowledge. Additionally I requested that supervisors or management tthan can make actual decisions call me back. I was told on 9 different occasions that a manager or supervisor would call me back. Loancare has a perfect record I have never been called back. 
After Loan Care finally found my payment and applied it. They applied it incorrectly not following proper accounting procedures. Loan Care has continued to destroy my credit damaging my financial status greatly.

After this instance they continued to lose three additional payments. I will file separate complaints because these are separate in instances.

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 2020-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *, *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, 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 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Opened accounts with Citibank. There was a {$400.00} account opening bonus if I met certain criteria after the accounts were opened. 

Into a savings account I put over {$15000.00}. Into a checking account, I caused direct deposit payments from my work to be sent. 

I met the account opening bonus criteria. 

Citibank has yet to issue to me the {$400.00} credit, even though I've make many, many, many phone calls to them about the matter, and also sent to them mailed letters - all to no avail. 

I've also emailed the " executive escalations '' group at Citibank, and that didn't help either. 

Proof of my compliance with the requirements for the bonus is attached for where a Citibank agent states in a chat session that I have met the requirements for the bonus.

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 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
On XXXX XXXX I estalbished an account with frontier communications they came to my home on XX/XX/2019. I was not at home when installing but my mother was there and she connected her computer to the wifi it work after the guy installed it. When I came home the internet was not working and I could not connect to the wifi. I tried rebooting with reset button and it would never connect to my laptop. The next day I called for trouble shooting and waited in line for them to tell me they would call me back within 24 hrs and no one ever did. I called back 2 days later ( went out of town ) I waitied on hold for 30 mins to do trouble shoot what was the issue. She told me she was giving me credit on the bill because my services were not working when asked what was my solutions because i wanted to cancel services because there were connections issues and didnt like I how I was treated with the hold time and no one not knowing how to fix my issue. I am now seeing on my report that they have placed me on collecetions for servoces that never worked and they promised they closed the bill and i was not going to be charged.

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 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/XXXX, I initiated a bank-to-bank transfer of {$2000.00} from my XXXX checking account to my Huntington checking account. Almost immediately, the money was removed from my checking account via ACH debit. 

That same day, I received an email from Huntington : " We were unable to complete your transaction ; therefore, the funds have been returned to your XXXX XXXX, Checking [ number redacted ] account. Please expect to see the funds in the account within the next 3 business days. 

We apologize for any inconvenience this may have caused you. '' I called Huntington to ask about the issue, and the customer service rep assured me that my funds would be returned to XXXX. 

This never happened. I called again on Monday, XX/XX/XXXX, to ask where my {$2000.00} was my Huntington account showed no record at all of the transfer, while my XXXX account still said the money had been sent to Huntington. The customer service rep spent about 30 minutes " checking into it '' with a manager, then told me that they'd just released the funds back to me. He said to expect the money back in my XXXX account by Wednesday, XX/XX/XXXX. 

Again, nothing happened. On Wednesday, XXXX XXXXone full  week after the money was " guaranteed '' ( verbally ) to be returnedI called Huntington again. This time, I was informed that Huntington had sent my money back to XXXX, a third-party transfer company, and that it was up to XXXX to accept the money from them. I called XXXX XXXX, and the XXXX XXXX  representative knew nothing about this. 

I spoke to another Huntington representative, XXXX, who said, " Call XXXX, let customer service know a bank-to-bank transfer failed. By XXXX. Ask to file R06 form dispute with XXXX to get funds back into the account. '' I did this, and XXXX informed me that it has nothing to do with them. After four hours on the phone, mostly on hold, the reps at Huntington finally said that they weren't sure what to do. I was instructed to disconnect and " Wait for a phone call from a manager, XXXX, tomorrow. '' The rep was unable to tell me XXXX 's last name or what XXXX could do. 

In essence, from XX/XX/XXXX until XX/XX/XXXX, *nothing* has been done by Huntington to rectify this situation that they caused by rejecting my transfer *after* initiating it. I want nothing more than access to my own moneyand to close my Huntington account forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: SC

Complaint narrative:
Opened a checking account on XX/XX/XXXX with a {$300.00} sign up bonus. Met the terms of the bonus and never received the {$300.00}. I've called US Bank 16 times over the last 3 months and spoken to 7 managers. They ALL agreed that I met the requirements of the sign up bonus but said there was nothing they could do to help and no further way to escalate the issue. 
I've recorded most of the phone calls including the one where I opened the account with a US Bank representative over the phone.

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 2020-09-23 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 believe that I am a victim of identity theft and filed a dispute with the credit reporting agencies in regards to it, per section 605B of the Fair Credit Reporting Act. I never received any notifications in regards to the results of the alleged items. It has now been over the allotted time period for when the bureaus are legally obligated to respond to my request. The initial letter was sent certified mail on XX/XX/2020 and was received by the credit bureaus on XX/XX/2020 & XX/XX/2020. I have yet to receive any responses and it has been well over the designated legal time period.

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 2020-09-23 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 believe that I am a victim of identity theft and filed a dispute with the credit reporting agencies in regards to it, per section 605B of the Fair Credit Reporting Act. I never received any notifications in regards to the results of the alleged items. It has now been over the allotted time period for when the bureaus are legally obligated to respond to my request. The initial letter was sent certified mail on XX/XX/2020 and was received by the credit bureaus on XX/XX/2020 & XX/XX/2020. I have yet to receive any responses and it has been well over the designated legal time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This account was purchased by another lender now its reporting twice on my two of my reports

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 2020-09-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This account was purchased by another lender now its reporting twice on my two of my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This account was purchased by another lender now its reporting twice on my two of my reports

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 2020-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX : Social Security Number : XXX-XX-XXX Date : XX/XX/XXXX File Number : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX/XXXX, XXXX XX/XX/XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX P.S. I have attached my recent Police report to this letter. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2020-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I tried to pre-order the XXXX XXXX XXXX XXXX from XXXX. This was advertised as part of a monthly installment payment plan of {$34.00}. The credit was offered through Citizen 's One. However, when I went to submit my order the request timed out and I was then told the product was OUT OF STOCK. 

I contacted XXXX to see if they could resolve the problem and was given a condescending reply from their customer service rep who offered no assistance and told me it wasn't his problem to fix. 

I then contacted Citizen 's Bank automated line. They told me I had a line of credit of {$2500.00} available to me for a purchase that never completed successfully. I waited on hold for 45 minutes before giving up - I have a job I need to tend to and don't have time for this. 

So my credit was pulled for a product/service that I never received and now I have an erroneous line of credit of {$2500.00} in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
9 months ago I had to place a temporary freeze on my credit with Equifax. 

2 months ago I tried to lift the freeze. Equifax requested a copy of my social security card, but since they were obviously based outside the US I said I would not be sending that information. They said I could send my driver 's license instead. 

2 weeks later I received a letter stating that my credit was still on freeze until they received additional info. They said I could send a paystub. I called and they confirmed I do not need to send my driver 's license since they already have that information. I sent my paystub via fax as requested. 

2 weeks later I received a letter in the mail stating that my credit was still on freeze until they received my driver 's license. 

This appears to be an endless loop in which they continue to hold a freeze on my credit. 

I have tried calling but they will not help me until they receive a copy of my social security card, which I will not send to an overseas call-center. 

How do I get help with this situation? 

The last person I spoke with at Equifax was named XXXX but they would not disclose any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Some time in XXXX I place a call to Target credit card. I ask the the Target Rep if I can skip a payment for XXXX due to the Covid 19. The Target Rep said she could help me with my situation. Then in XXXX I went online and paid my Target Account in full and thought nothing of it, until I went on my XXXX account and notice my credit score drop by 62 points. As it happen Target report me late on my payment and I was penalized for it. I call Target again and I talk to a Rep named XXXX I explained to her what had happened and she explain to me that she showed no records of me calling. We discussed my situation for a while and she said there was nothing she could do for me. So Im stuck with a negative credit report. Unfair

Company response to consumer: Closed with monetary relief