vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CFW Holdings LLC
State: TX

Complaint narrative:
I received a vm on or around XXXX from XXXX XXXX with a threatening tone. He has reached out to employer, family members in another state along with neighboring family members who all reached out to me regarding his message. States he is an officer looking for me. They did not leave a company name but the contact number is XXXX. Another representative XXXX XXXX left a vm about a conversation I had with one of his employees, who stated that they do not make outbound calls. I explained my situation and she continued to say that I know what amount is due since I took out the loan etc. Did not listen to my situation. 

I attempted to contact them today XXXX and left a voicemail.

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 2020-07-27 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: FL

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: OneMain Finance Corporation
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have  happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
So I recently purchased a 2 cars, one for my wife and one for myself ... .. now according to the fair debt collections practices act / Fair shopping, I am allowed to shop for the best rate and ALL inquiries should count as ONE, this did NOT happen ... .... EACH inquiry counted as an inquiry itself lowering my score 12 different times!!!! this is not supposed to be and I think it should be corrected THIS IS A LAW AND THEY SHOULD BE FORCED TO ABIDE BY IT

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 2020-07-27 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I paid my account off in full in late XXXX/early XXXX. I have been paitent in waiting for my credit report to be updated however after 3 requests and nearly 5 months they are still reporting that I have an outstanding balance and have are 60 days past due which was no longer accurate in XXXX. My Credit is now being damaged by their lies and I need it corrected. 

I called the company 3 times and made a request in the chat but after being on hold over over an hour was told that they wouldnt talk to me. I need this corrected ASAP. If they are doing this to me a paid in full FORMER customer who will never utilize their services again and will discourage anyone I know who looks at them as well, I can only imagine what they are doing to those who were effected by COVID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
So I recently purchased a 2 cars, one for my wife and one for myself ... .. now according to the fair debt collections practices act / Fair shopping, I am allowed to shop for the best rate and ALL inquiries should count as ONE, this did NOT happen ... .... EACH inquiry counted as an inquiry itself lowering my score 12 different times!!!! this is not supposed to be and I think it should be corrected THIS IS A LAW AND THEY SHOULD BE FORCED TO ABIDE BY IT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
So I recently purchased a 2 cars, one for my wife and one for myself ... .. now according to the fair debt collections practices act / Fair shopping, I am allowed to shop for the best rate and ALL inquiries should count as ONE, this did NOT happen ... .... EACH inquiry counted as an inquiry itself lowering my score 12 different times!!!! this is not supposed to be and I think it should be corrected THIS IS A LAW AND THEY SHOULD BE FORCED TO ABIDE BY IT

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 2020-07-27 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: CT

Complaint narrative:
I was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to Experian, XXXX and XXXX  and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to Experian, XXXX  and XXXX saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX/XXXX XXXX {$210.00} XXXX {$4600.00} XXXX XXXX XXXX {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX   XXXX {$9700.00}

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 2020-07-27 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: FL

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

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 2020-07-27 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: FL

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

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 2020-07-27 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
To whom it may concern : I leased a vehicle from XXXX/GM whose corporate offices are listed as General Motors Corporate Office,  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, Texas XXXX, and had them deduct the payment from my checking account. Due to an accident on XX/XX/2019, the leased vehicle mentioned above is totaled and my insurance company XXXX paid off the value of the car shortly after the accident. A payment of {$210.00} was withdrawn from my account on the XXXX of XX/XX/2019. GM Financial claims that this overpayment was refunded on the fifth of XXXX. This is not accurate. Months later, after countless hours of calls, in XX/XX/2019, I forwarded my bank statement from XXXX to show that no money was received from GM Financial. After a few months, I finally received my overpayment of {$210.00}. 

GM Financial failed to close the file and notify the credit bureaus of the fact that I owe nothing. On my credit report, it still shows an outstanding balance over 350 days past due. Even though I havent owed anything on this account for more than 17 months. 

I have already gone through hell with them trying to get my money back. How long will it take to fix these problems without your help? I want them to close my file and notify the credit bureaus. This companys incompetence is costing me my credit rating and the ability to get loans, especially now that I am trying to refinance my home. 

Every time I call, I get the runaround. Again I called on XX/XX/XXXX, after 45 minutes and the customer service rep speaking to the supervisor, she told me my case had to be transferred to another department called the Consumer advisory section, This is ridiculous. I was supposed to receive a call today, XX/XX/XXXX, and still nothing. Could you please help me? 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a problem with PayPal and Synchrony Bank. I was angry over late fees charged that were as much as the amount that I paid off in full at the time. PayPal and Synchrony Bank are colluding in deceptive practices. I paid off my " Current Balance '' and immediately closed the account. Synchrony Bank is claiming that there was a bill pending on the same day, however, that amount was already included in my " Current Balance. '' Synchrony Bank has now screwed up my credit over a {$9.00} charge that I refused to pay because it was already paid. I finally paid them that amount plus phony interest charges of {$1.00} a month on a {$9.00} balance. 135 % interest rate? I receive a statement from PayPal that shows " All Activity '' on my account which shoes {$0.00} balances nor for 3 months. This is a total Scam and it's dropped my credit score 30 points because of their deceptive practices.

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 2020-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one Bank Issued a check for $ XXXX to XXXX XXXX XXXX   from my account on XX/XX/XXXX based on the old/invalid Indemnification letter dated ( XX/XX/XXXX ). 
They have neither took my approval nor informed me about the transaction and after week I noticed when I was trying to pay Bill Pay.  I got panicked by seeing the transfer out of my account with $ XXXX ( As I did not do any transfer and the online transaction says transfer out ). They sent the funds ( cashier 's check ) to XXXX XXXX in regular mail without any tracking details and XXXX XXXX is saying that they have not received the funds. 

Due to lack of the funds I cancelled the commercial property purchase ( I got the approval from seller ). This is big loss for me and after calling many times to both banks they are unable to fix the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: KS

Complaint narrative:
This is related to the case : XXXX My U.S bank account was closed by the bank on XX/XX/2017 and there was an amount of {$170.00} balance left on the account during the closure. The U.S bank issued a cashier 's check on my name but sent it to my old address ( not sure why ). In the past three years, I called numerous times and also visited their bank at least four times to cancel the previously issued check and issue a new check to my current address but nothing worked. I logged a compliant ( case # XXXX ) regarding the same. They contacted and sent me a letter asking me to visit the branch with that letter to cancel and issue a new check. I did as they instructed but still, I did not receive the check.

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 2020-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank is Terrible I received a text message on XX/XX/XXXX at XXXX XXXX  regarding fraudulent activity. 
I called the Citibank Fraud department on XX/XX/XXXX at XXXX XXXX and was on the phone with them for 10 minutes ( I have the phone records ). I expressed to the representative that the attempting XXXX transfer was  NOT authorized. I said " do not allow the transfer. '' I realized on XX/XX/XXXX that {$1000.00}. XXXX was transferred to someone whom I do not know and specifically asked not to allow the transaction. I called on XX/XX/XXXX to file a claim with Citibank and it came back a few weeks later, denied. I then filed for an appeal which also got denied. I would like to be refunded my {$1000.00}.

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 2020-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My loan was sold from XXXX XXXX after I applied for a loan modification to SLS XXXX XXXX. I was told by a phone call to XXXX XXXX that nothing would change with my loan. Attached you will find the letter that was sent by XXXX XXXX where in paragraph # 2 states " rest assured, this transfer does not affect any terms or conditions of your mortgage other than those directly related to the servicing of your loan, SUCH AS WHERE YOU SEND YOUR PAYMENTS. '' XX/XX/XXXX I checked online ( my account is paperless ) and I noticed there was a different amount than what I was told. I further saw fees being assessed in the amount of {$25.00}. I called and I was told that SLS charges {$25.00} every time someone checks your account for the balance. I asked if I could refute these charges and that XXXX XXXX never charged those fees and I was told my loan would not change when it was switched. I was advised that I could send a letter to refute the charges. 
I sent and faxed a letter XX/XX/XXXX ( letter attached that was sent ). XX/XX/XXXX I was sent a letter stating a correspondence was sent to the wrong place. I sent it again to the new address. 
I have never received a response. I called XX/XX/XXXX and requested a call back. Noone ever called back I called XX/XX/XXXX and they advised me my request was denied. I checked the website and there is no denial letter in my documents nor did I receive one via mail. 
I now received a letter that someone has been assigned to my account due to being behind. I am not behind and I am current. SLS should not be able to charge me due to XXXX XXXX did not charge me. I would also like my due date changed back to the date it was with XXXX XXXX. 
1. XXXX XXXX said there would be no changes 2. the due date is the XXXX  now and was the XXXX with XXXX XXXX 3 . I would like all fees removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
4. They have refused to modify my loan, take a short payoff, or refinance. I offered them the amount of the loan I purchased it for in XXXX and they refused. Document attached showing they denied the short pay off.

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 2020-07-27 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: NY

Complaint narrative:
Experian is reporting the same debt twice ... Once for XXXX XXXX and once for XXXX XXXX. The debt was sold from XXXX XXXX to XXXX XXXX so XXXX XXXX no longer has collection authority but the debt remains on my report under their name as well as XXXX XXXX. I have settled the debt with XXXX XXXX  and received a release letter. I have disputed this twice with Experian and they will not remove the XXXX XXXX debt.

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 2020-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
2017 my medical Insurance was suppose to cover my whole procedure. XXXX did not let me know that on the day of the procedure, it was not going to cover since my medical Needed to be renewed because it had expired. XXXX still proceeded and charge me without my consent. The company I owe then came after me telling me that I owe when I Wasnt aware about my medical Been expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Unable to connect account to XXXX

Company response to consumer: Closed with explanation