vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 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've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI

Complaint narrative:
Good morning, my concern is with my mortgage balance with servicing company select portfolio. I for the last couple of months I have sent several requests to have them provide the mortgage pay history since loan origination of XXXX. The prompting is because I originally did a dispute with my credit report which reflects original principal balance of {$210000.00}. This is incorrect and hurting my credit score because it reflects my current balance {$210000.00} higher than original note. 
We purchased this home in XXXX -- there was two notes totaling purchase price of {$260000.00}. During the market crash we went through hardship and the servicer at the time XXXX XXXX XXXX gave us a loan medication that was set up to make us fail. We fought very hard to keep our house, we had interest only 1st and 2nd mortgage. After going to housing counselor XXXX XXXX XXXX XXXX forgave the second mortgage and modified the first. Shortly thereafter in XXXX the loan changed to XXXX XXXX XXXX and our loan amount was back up again and with lack of our knowledge and fear of losing our home we signed. Since XXXX we have not been late We are asking that Select Portfolio provide the payment history and how these payments have been applied. They can only provide payments dated back only to XX/XX/XXXX. We are missing payments from XX/XX/XXXX-XX/XX/XXXX. We need this investigation to make sure that our payments been applied correctly and balance is reflected. We have been taken advantage of all throughout this loan, not because of select portfolio but because of lack of knowledge. If they can not provide the history then how can the balance be reflected correctly. 

Please help us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I had leased a vehicle thru GM Financial for 36 months, my account was on auto-pay and the lease was paid each month on time. On XX/XX/2019 i returned my lease to XXXX and wasn't told of any outstanding charges, Never received a bill or any correspondents i.e. Mail, Email, text, phone stating that i owe any monies. On XX/XX/2019 i received and alert from my credit monitoring of a delinquent account from GM Financial in the amount of {$600.00}. I immediately contacted GM Financial and was told two things one,  that the amount shown was and the correct amount was {$430.00}, a charge hidden in the lease agreement ( not transparent and upfront ) for returning the vehicle and not leasing another XXXX vehicle. Second, they admitted to having a wrong address on file where they supposedly sent me the bill, I was told that they would they updated my address and that they would resend me a new bill with the correct amount and also remove the negative hit on my credit report and send me confirmation of that as well. 

I've been waiting ever since for those notices and NEVER received anything, Called many times thereafter and was told that notices were sent out still nothing was received. 

On XX/XX/2019 i contacted the again and was told the notices were again sent out but the wrong address '' again '' OOPS! what incompetence. I then requested to just make a payment over the phone and was charged an additional {$10.00} processing fee in addition to the {$430.00}. Again i was told that i will be receiving email confirmation of my payment and ad letter stating that the delinquent account will be removed from my credit score. The Money was drafted from my checking account but no email confirmation 'of course '. 

On XX/XX/2019 i received another notification from my credit monitoring of a new negative account this time in the amount of {$430.00} this is after the money was already drafted from my account. This is causing my a lot of stress as well as financial loss as i can't obtain credit for my business, cant take advantage of the lower interest rate to refinance my home etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 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: TX

Complaint narrative:
XXXX is reporting incorrectly to XXXX  ; XXXX  and Transunion a collection in the amount of {$1400.00} on the XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I had service with XXXX and at no fault of my own, the company decided to move its tower to a different location. After the move there was absolutely no service in my area. It was non-existent. I spoke with a representative from XXXX and they said because of the companys decision to move the tower, and with this affecting my service, they would let me out of my contract. They did not honor their word. Now XXXX has since sent me to collections. I do not owe this. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX and the bureaus to fix this, however I have not been successful.

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 2019-08-14 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: TX

Complaint narrative:
XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a collection in the amount of {$1400.00} on the XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I had service with XXXX and at no fault of my own, the company decided to move its tower to a different location. After the move there was absolutely no service in my area. It was non-existent. I spoke with a representative from XXXX and they said because of the companys decision to move the tower, and with this affecting my service, they would let me out of my contract. They did not honor their word. Now XXXX has since sent me to collections. I do not owe this. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX and the bureaus to fix this, however I have not been successful.

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 2019-08-14 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've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX  ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and 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 2019-08-14 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've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX  ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and 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 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/2019 my credit union sent a check in the amount of XXXX dollars to synchrony bank they cashed it then took it back I've called numerous people about this issue with no resolution can you help

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 2019-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
After the bank ruptcy was filed, it begin to be too expensive. Therefore the car was repossessed and it's no longer in my possession. I would like for the harassment to stop towards myself and my co-signer, we are in the process of trying to rebuild our credit in a proper manner. Not only that my information has also been in the security breach back in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: AL

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit_report. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and there are also like four accounts on Equifax that dont even have a name. The account numbers ore XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: PA

Complaint narrative:
As a consumer, I have rights that are given to me to protect me from misinformation being reported on 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 non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX I went into the facility to pay off an existing loan I had with World Finance Corporation. An employee there, asked me to follow her to her desk, she asked how she could help me and I told her that I was looking to pay off my existing loan. She started entering stuff on her computer and she proceeded to tell me about her kid and her boyfriend and her personal life. She asked me to sign a document in order to print my pay off form. I asked her many times, what the document was and she only stated that I needed to sign for her to print my payoff balance sheet. Then she stated her computer was down and she was unable to print the receipt to show my loan was clear. I thought this was weird. In XXXX I went to apply for a mortgage loan and it was brought to my attention that I owed a loan and that I was past due since XX/XX/XXXX - I was shocked because I had no clue what this was. This unfortunately, impacted me. I have called the company and they have a signed document, when I asked to see the copy of the check the gave me with the so called new loan, they stated that they gave me the " Funds '' in cash, the signature is somewhat different to mine and so it happens to be that when the lady that help me when I went in to pay off my loan quit working for them, so did the payments on the " new loan '' I am trying to get to the bottom of this. I had to pay this loan in order to obtain a mortgage loan. But I am seeking for this issue to be further investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I contacted Chase by using its secure message center to inquire about the balance transfer fees when using the convenience checks. I asked representatives repeatedly about the fees to see if the bank would be able to adjust the fees PRIOR to using the checks. The representatives responded and stated that they would not be able to do anything UNTIL the checks were posted to the account first, then they'd be able to see what they could do to assist me. I stated a couple of times in writing that I was unwilling and unable to pay {$920.00} in fees as it's exorbitant. And, I stated that I was unwilling to take on the risk without getting assurance that Chase would consider adjusting the fees. 

Then, I went ahead and deposited the checks because they had to be posted first in order for Chase to review my account and assist. The fees were posted to my account. I then immediately followed up with Chase and did not get a response. I had to follow up again by phone to discuss the matter. They denied my request and said they could not adjust the fees because the system would not allow them to do so. I felt cheated and led on because had they told me at the outset, I would NOT have used the convenience checks. I feel Chase has taken advantage of me. I then wrote a letter to dispute Chase 's decision along with supporting documentation of my e-mail correspondence with Chase representatives for proof. Further, I escalated the matter to Chase Executive Department for a second review due to the decision being totally unfair and unacceptable. I recently received a phone call from XXXX in the Chase Executive Department stating that the fees would not be waived. I find the whole situation completely unacceptable. As I mentioned previously, I would not have used the checks had I received a straight answer that the fees would not be adjusted after posting to the account. I was baited and led on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: AL

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit_report. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  and there are also like four accounts on XXXX  that dont even have a name. The account numbers ore XXXX, XXXX and 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 2019-08-14 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: AL

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit_report. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and there are also like four accounts on XXXX that dont even have a name. The account numbers ore XXXX, XXXX and 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 2019-08-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/2019, the President XXXX XXXX  the XXXX XXXX   for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XX/XX/XXXXcame, XXXX XXXX took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, XXXX account report a 30 days late from XXXX XXXX on my Experian and XXXX and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.

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 2019-08-14 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: PA

Complaint narrative:
As a consumer, I have rights that are given to me to protect me from misinformation being reported on 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 2019-08-14 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: PA

Complaint narrative:
As a consumer, I have rights that are given to me to protect me from misinformation being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: NE

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Westcreek Financial
State: AZ

Complaint narrative:
I got the loan through west creek financial 8 months ago and gave them authorization to auto debit my account on the XXXX and the XXXX of each month on XX/XX/19 I noticed that the money was pulled out of my account. When I first called I was told my bank did it when I told them I gave them authorization not my bank and it is authorized for the XXXX not the XXXX I got a call from a supervisor who advised me that they send it 5 days early and cant help when my bank pulls it I again tried to exsplain my authorization is for the XXXX and they cant send it early when I went back to my bank statments this is not the only time and not the only fees I have incurred due to these illigal practices. I also gave authorization and made the 1st payment via debit card they started using my checking that my bank will always pay the over draft without my knowlede and said thats the way they do it as they require checking info on the applications. Today XX/XX/19 I recived a call from west creek financial at XXXX XXXX  then again at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This company has never sent me a bill, probably because I have never done business with this company. This is not my debt. I have insurance that would have paid this, or I would have been told I have a bill.

Company response to consumer: Closed with explanation