vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have a lease with Ally Bank on a XXXX XXXX XXXX. I called to get a buyout on the car and they gave me a number of {$30000.00}. When i went to the dealership and found another car i was in the process of working on the deal and the dealership came back and told me the bank was asking for {$34000.00} for the buyout. I called the bank and asked for an explanation and no one could explain it. I was told by XXXX Employee ID # XXXX an alleged supervisor that the 3rd party buyout was more due to market value. So i asked if i was to get a check from another bank and had it made out to Ally for the $ XXXX would they take it and she said yes. So i ask whats the difference where the money comes from? She said that its different for dealerships and that its state policy/law that they can charge the dealership more. I asked for this XXXX number and she could n't answer the question.I then asked for a supervisor and she said she was the highest up and that i would talk to another person on her same level if i wanted. Of course i said no a supervisor because i find it hard to believe the whole department is a bunch of people that manage themselves with XXXX supervision. Nope she transferred me to XXXX ID # XXXX same dept same position. I told her to just please get a supervisor on the phone. Then i spoke to their supervisor XXXX ID # XXXX. She again is saying that the bank reserves the right to charge a dealership market value from what is estimated by XXXX XXXX. That price is estimated by geography. However my point is i am the consumer and have the agreement with Ally. It works out for all parties that i get truck i need and the jeep get returned and the bank get their $ XXXX. However since i am not the one writing the check they gave the dealership a larger quote for the car ultimately screwing me. All parties win, i get a functional car they get their money and the dealership sells a car and who know maybe we take the loan out through Ally? My concerns are that this an unfair practice that hurts me the consumer and I want to know what the North Carolina XXXX XXXX is that allows the bank to do this.

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 2017-09-22 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: GreenSky, LLC
State: CO

Complaint narrative:
An account with Greensky Trade Credit , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA was established for financing a home repair project via XXXX. I never received a bill for the completed project therefore, I had to personally contact the establishment to inquire. During my telephone conversation with Greensky, I was directly told the specific reason was directly due to an improper mailing address. They further stated that the correspondences had been returned to them a period of five months had elapsed. XXXX financed the project via Greensky. Therefore, there are two addresses listed on all documents. There are a physical address of the property and are my mailing address. These addresses were established at the initially from the onset of financing the construction. I repeatedly asked a representative of the company during my conversation with her why an invoice had not been sent. She justified action due to an incorrect mailing address. Prior to ending the conversation, I was told that an invoice would be mailed. To date, I have still not received the documents. A day after my conversation with the company representative I received an email alert notification of an adverse thirty-day delinquent credit report. In addition, a second adverse repot was listed on my credit report. An individual from the company whom identified as XXXX telephoned and left me a voice message in references to the account. The voice message directed me to return the telephone call. Upon retrieving the message I immediately returned the call. However, I did not speak with XXXX directly but another representative. I provided the reason I was calling and an email for any additional communications. The representative assured me that the message would be relayed and I left a voice message to ensure full communication of the issue. The company still refuses to provide me an invoice and any additional documents but they are being allowed to submit two adverse thirty-day delinquent credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have requested numerous times to show me proof of alleged Bankruptcy on my report XXXX Chapter XXXX XXXX XXXX all the bureau keeps telling me is that the info was consumed from XXXX XXXX a XXXX party reporting agency but can not supply me with proof or a copy of bankruptcy

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 2017-09-22 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: FL

Complaint narrative:
I have been sending notarized and certified letters to credit bureau in regards to a identity theft that took place on my credit file. I have sent in a identity theft report notarized and sent certified to the credit bureau and to yet nothing has been done they still continue to ignore this matter I have wrote to the general attorney ( GEORGIA ) just recently

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 2017-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I have never ordered anything from this company nor received anything from them. A collection account from them appeared on my credit report, and when I disputed the info with the 3 credit bureaus, Swiss Colony sent back a letter asking me to provide proof of my residence and other items ... .I refuse to provide this information to a company that I 've never heard of and never did business with. I was impacted by the XXXX  breach, so not sure if this has something to do with it. This information needs to be removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sortis Financial, Inc.
State: FL

Complaint narrative:
InXX/XX/XXXXXXXX 2017, I entered a written dispute with CLEAR SPRING LOAN SERVICING reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, CLEAR SPRING LOAN SERVICING was attempting to collect a debt for which antiquated my credit profile by more than XXXX years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

CLEAR SPRING LOAN SERVICING failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with CLEAR SPRING LOAN SERVICING an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. CLEAR SPRING LOAN SERVICING failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state Division of Financial Services in Florida indicates that CLEAR SPRING LOAN SERVICING is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to CLEAR SPRING LOAN SERVICING have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Chaplain Financial Services LLC
State: RI

Complaint narrative:
I keep receiving phone calls fro CFServices LLC, stating that they will contact my place of business and that my supervisor and or manager will have to sign documents and present them to me personally. i never heard of these people they do not specify who they are or what they are calling about. they have left threatening messages at my home, work and on my cell phone. 
its a recording that comes from a local number XXXX and tells me to call XXXX reference # XXXX and that if i do not they will serve me at my place of employement

Company response to consumer: Untimely response
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Since XX/XX/XXXX of XX/XX/XXXX I was attempting to make payments to Synchrony bank for my HOME  DESIGN FURNITURE account. I lost the card and reported it as such. They could not give me my account information over the phone and said I needed to do it online. However, I was unable to login online without the card number ( which was lost ). I called multiple times in this period trying to make payments. I then received a call in XX/XX/XXXX of XX/XX/XXXX from the company that I owed over {$1000.00} because the amount was not paid off in full before the promotional period. First, I was not made aware there was a promotional period. Second, I tried SEVERAL times making payments prior to their phone call but was never able to due to the account information being unavailable to me. They only contacted me AFTER they changed the interest. They never called me prior to the change in interest to collect a payment even when I was calling them so many times trying to make payments. I only owed about {$400.00} before their phone call to me. I advised that I would pay the balance prior to the 29.99 % interest rate being applied and they refused to accept. It was only 2 weeks after the interest was applied when I offered to pay in full if they removed that interest I was never told would happen until AFTER it was applied to my account. They refused and suggested I file a formal complaint with their company. I did that several times. Each time I have contacted them since ( a few times a month ) they say the complaint is still being reviewed and now they put it on my credit report without resolving the issue with them.

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 2017-09-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SECURITY CREDIT SYSTEMS INC
State: OH

Complaint narrative:
X/XX/2017 - Company : Security Credit Systems Contacting people that are not part of my life and giving information to these people, all without any written notification. This is all without permission, if that was n't a given already. I did not even have contact information for this person that they contacted, I am sure that is a violation of some type.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I opened my barclay XXXX card in XXXX online, as I did the application online, I wanted to do a balance transfer from my XXXX account for the amount of XXXX on XX/XX/XXXX. That was the only balance transferI processed online. Once my credit was approved, I expect to see information on my balance transfer. I then called to confirm and add another chase account balance transfer for the amount of XXXX. In the midst of confirming and adding another balance transfer, Some how a third balance transfer was added at the mistake of the representative from barclay card for the amount of XXXX. They closed my account, I recieved a letter dated XX/XX/XXXX stating the balance transfer never processed and it was an invalid chase account. Online with my barclay card for the month of XXXX, my account shows the same information, how my account was credited back the invalid balance transfer for XXXX. Some how that balance transfer is now a " valid chase account " and is on my statement. I 've showed them all the proof and even the letter they sent me. I even had chase on the phone with barclay card telling them it 's not a valid chase account. In the event this happens they are supoose to open a claim with chase. They told me I need to contact chase and figure it out. Barclay card said they opened a claim, verified it 's a valid chase account under my name and they 're nothing they can do, I can write a letter to the president of the company. Basically this is n't my balance transfer, it was was their mistake, it 's not a valid chase account. They also, had a payment posted and taken off, I asked them to give me information on the payemt ; they also charge me interest on a brand new card. I 've asked barclay card to pull my phone records and listen to the call and they have done anything to help me as a customer! I have had nothing my problems and they resolution for me is to write the president of the company, they gave me his fax number. 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 explanation
Consumer complaint received 2017-09-22 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: FL

Complaint narrative:
I have been sending notarized and certified letters to credit bureau in regards to a identity theft that took place on my credit file.  I have sent in a identity theft report notarized and sent certified to the credit bureau and to yet nothing has been done  they still continue to ignore this matter I have wrote to the general attorney (GEORGIA)  just recently

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On the XXXX XXXX, I made XXXX x withdrawals from Coinbase after selling crypto currency on their website. Both withdrawals still show as 'Pending ' even though they should have arrived before XXXX XXXX. 
I have made multiple attempts to contact Coinbase, but to no avail. So far, they have not been able to tell me when I will receive my money. 

- XXXX Coinbase Reference - XXXX - XXXX Coinbase Reference - XXXX Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending

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 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I signed up for the Equifax credit monitoring enrollment on Friday XXXX XXXX 2017. They said that I would be getting an email confirmation shortly to finalize the enrollment in the monitoring service and I have yet to receive anything after a full week. I called and they said that there was nothing they could do to help. The lady on the phone line had no access to any information and just kept telling me to check my " spam folder '' This is unacceptable. They have allowed my information to be completely compromised and now I am stuck possibly having to spend my own hard earned money to fix their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
OnXX/XX/XXXX, I called capital One/XXXX XXXX GM card, and asked for assistance because I am a victim of hurricane Irma. I spoke to two supervisors, and the last one told me that I would get a credit of {$200.00} on my account to help out with food, gas, water, etc. She said the credit would appear on my account within 24 to 48 hours. 48 hours later, I called capital one again since the credit had not appeared and I was told that they were " doing a system upgrade '' and that the credit would appear shortly. XX/XX/XXXX, still no credit, so I call again and I am now told that the credit will be on my account on XX/XX/XXXX.XX/XX/XXXX comes and still no credit. I call capital one again, and the manager I talk to this time was very unsupportive, unsympathetic, and clearly unbothered. I told her that I was told that I would get a {$200.00} credit for hurricane irma, and she says that is not true, " we do n't give credits up to {$200.00} for anything and if the agent you talked to told you that, they should 've given you the credit immediately, we have steps to take for things like this and you have to apply for a credit increase '' after some unnecessary back and forth. She puts me on hold and comes back and says she has pulled the call and she sees the notes where the previous supervisor said I would get a {$200.00} credit but she has to forward the call to the corporate offices and let them listen to it which will take 7 to 10 business days. So not only does capital one not believe its customers, it does n't believe its own employees. XXXX XXXX, in the middle of writing this report, I get a call from the same manager, who sounds much nicer now. She says she has spoken with her supervisor ( which was something she could n't 10 minutes earlier the first time we spoke ) and granted me {$150.00} credit. I do not appreciate the way this company jerked me around and lied to me, it 's bad enough I am dealing with the aftermath of a category 4 hurricane, and after recieveing emails from capital one, saying " we are here for the victims of hurricane Irma '' capital One has proved to be unreliable, dishonest, and unaccountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: LA

Complaint narrative:
I have submitted SEVERAL times to TransUnion that they are reporting inaccurate information on my Credit profile. The first was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pull my report every month on the XX/XX/XXXX. TransUnion is reporting a US Bankruptcy Court. Per the FCRA 623 ( a ) ( 5 ) : m " If ther Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove the said information from the consumer credit profile. '' The Bankruptcy Courts have also reviwed the Public Record section on TransUnion Credit Bureaus Report. As a result, the bankruptcy court gave me a letter wich emphhatically stated that they DO NOT provide any information to the credit reporting agencies, nor do they ever validate or confirm public records. The courts rep also informedf me that Public records information is NEVER validated by the U.S. court system due to the Fair Credit Reporting Agencey PRIVACY LAW. I have sent several letters to TransUnion regarding this matter and have only gotten back verified and I keep asking for them to CLARIFY how they can keep confirming something that is NOT MINE and I NEVER get an answer. Please help me correct this matter with this Bureau.

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