vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
I am writing to insist that 3 inquiries/late comments on my credit report from GMC Financial be reviewed and withdrawn and expunged. These all relate to a final bill for my GMC XXXX, XXXX truck lease that was sent to me in XX/XX/XXXX and then inexplicably marked past due in XXXX ( 30 days ) then again in XXXX ( 30 days ) and XXXX, XXXX ( 60 days ). 

The final bill was received in the mail in XX/XX/XXXX. The bill was higher than anticipated and included unwarranted charges. At that time, I immediately contacted GM Financial. The agent agreed and told me that the final balance would be reduced. I requested a written confirmation. The agent said : " We don't do that '' to which I responded : " How do I know that the bill was in fact reduced without a written confirmation? ". The agent then advised me this would be confirmed in writing. 

In the months following I received several automated robo calls in which I was asked to enter my social security number in order to review the specific issue. I responded to the calls by repeatedly requesting that a bill with the reduced balance be sent to my home address. The calls were impossible to authenticate and I was inclined to not provide my social security number because I was never asked to provide the GMC lease number that appeared on my monthly statements while the lease was in progress. 

It was not until XX/XX/XXXX before I received any additional communication in writing from GMC Financial. GMC 's records confirm that no other written communication was sent to me. This was confirmed to me on the phone by a GMC representative. Once I received the statement in XXXX, XXXX, I responded and the bill was paid in a reduced amount shortly thereafter. The reduced amount was what was originally agreed to in XXXX, XXXX. BUT not until XXXX, XXXX was the reduced amount submitted to me in writing. 

My credit report/rating was negatively impacted for this same final bill as it was reported three ( 3 ) times as past due on XXXX ( 30 days ) then again in XXXX ( 30 days ) and XXXX ( 60 days ). Again, ONLY in XXXX, did I receive written confirmation of the actual final balance in a reduced amount. 

I require that these 3 faulty inquiries/reports on my credit report be reviewed and withdrawn/expunged. I am writing to this agency in an effort to correct what I believe to be a frivolous practice by GMC Financial. I contend that this methodology of billing is a clear violation of the Fair Debt Reporting Act and The FDCPA as it shows a careless and improper course of conduct by GMC Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have sent a dispute to credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) and I have not received a response back or any results. This charge off account is in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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:
There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have neve
r incurred debt with these creditors. I do not know where they came from.

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 2021-04-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian credit reporting has failed multiple times to provide information regarding a dispute on their credit bureau after stating that have sent the infomation. I do have informed delivery and at no time has any mail be sent or certified mail received. Your blanket responses will not be accepted just so you can close your complaints.

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 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX Bank of America Fraud Claim number XXXX. 

On Friday XX/XX/2021, I attempted to send money from my Bank of America checking account to a friend using XXXX mobile app on my XXXX. The XXXX mobile app was not working right. Then I received a call from XXXX ( XXXX ) XXXX. The male subject on the phone stated that he's the support from XXXX  and needs to have access to my phone to help me with the app. I allowed the subject male access to my phone. While he had access to my phone, the subject transferred {$300.00} from my Bank of America checking account to another Bank of America account number XXXX, XXXX. At the time, everything seemed legitimate to me, a XXXX XXXX XXXX XXXX XXXX, until I realized what happened. I called the male subject back to ask for the money back and he stated that it'll be deposited back to my account shortly which never happened. When I tried to call back the number was already not in service. I called Bank of America immediately and filed a fraud claim and called the police and filed a police report which I provided to Bank of America to support my claim. 

After waiting 5-6 weeks without receiving a decision on my claim from Bank of America, I called the bank and they informed me on the phone that my claim is denied. I never received a formal confirmation on my claim or a formal reply from the bank. 

Needless to say that the {$300.00} was my two weeks pay from my part time job in XXXX XXXX XXXX and I was left with {$17.00} balance.

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 2021-04-01 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: GA

Complaint narrative:
Equifax, XXXX, and XXXX are all breaking the Law. You can clearly see they have false information and inaccuracies on my credit profile. I have been challenging these items for months and all to no avail. I have never had any account that they are reporting in my dispute letters and never have I ever had an account with Equifax yet they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent a dispute to credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) and I have not received a response back or any results. This charge off account is in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent a dispute to credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) and I have not received a response back or any results. This charge off account is in litigation.

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 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
All of my accounts were closed due to a mistake that Chase made. I received 0 email, phone, text, or message center notifications that my cards were about to be closed. When I tried to reinstate the cards I was told that I needed to go to my nearest branch to fill out a form. I drove 5 hours round trip to fill out my XXXX and they then told me there was still nothing they could do. I now have no way to pay for anything and I lost my credit card bonus. I was told to wait 30 days and then apply for a new card. I have put 11 hours into resolving the situation so far and I have made absolutely no progress towards a solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NM

Complaint narrative:
On XX/XX/2021 I initiated a deposit into my binance.us exchange account for {$1000.00}. It was unable to deposit successfully and it was processed as a chargeback. I received an email stating " Please deposit XXXX USD within 7 days to bring yourBinance.USaccount into good standing '' & " Failure to settle the outstanding balance may result in the liquidation of your crypto holdings as necessary to cover your outstanding balance ''. When I attempted to deposit into the account an error message appeared and the deposit failed. I have over {$4000.00} in my account that is locked/restricted. I have sent a follow up email and no one has reached back out to me. It has been over 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Comerica
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, WHICH CLEARLY TRANSLATES THAT SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT. THE FINANCIAL INSTITUTION DID NOT VARIFY THE ACCURACY OF THE DOCUMENTATION AND NOW I AM A VCITIM AND CAN NOT OPEN ANY BANK ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Hello my name is XXXX XXXX I'm A federally protected consumer, i would like to thank you for the opportunity to address your concerns regarding Equifax ( consumer reporting agency ). i XXXX XXXX Authorize Equifax to proceed with my complaint, regarding my last complaint this consumer reporting agency tried to slip away from. This reporting agency ( Equifax ) has infringed upon my right of privacy with unfair reporting. Through my thorough investigation I have found that this reporting agency was reporting information solely between the person making the report and i the consumer which was an approval extension of credit directly by the issuer of my credit card which should been excluded from my consumer reporting agency. which is in violation under the FCRA 15 US.Code 1681a ( 2 ) ( i ) ( B ) I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Equifax ) to report Any information Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. I have disputed the validity with this consumer reporting agency and they still continue to furnish my report. If consumer reporting agency remits violations, please provide My initial signature authorizing consent to report my private information, please provide to me exhibits about these accounts. I have send this reporting agency of an Affidavit which was not rebutted with proof, my next step will be the litigation with this agency. I have identified my identity through a notary presentment. This reporting agency has not Validated how they got my information These are Federal violations under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. I believe that I ( consumer ) have fully addressed my concerns of the validity of this matter, will still stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX XXXX XXXX US DEPT ED-XXXX DPT EDXXXX XXXX  XXXX XXXX, I ( Original Creditor : XXXX XXXX XXXX ) -XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX**** XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX**** XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
SINCE XXXX, CONVERGENT OUTSOURCI INCORRECTLY REPORTING AN A DEBT AND INACCURATE OPENED DATE OF XX/XX/XXXX AND UPDATED AGAIN ON XXXX XXXX. 

I HAVE DISPUTED THIS DEBT AND ASKED FOR VALIDATIONS OF THIS UNKNOWN ENTRY WITH THE RETURN REPLY '' BECAUSE THEY SAY SO ''! 

THIS ABOVE AGENCY HAS REPEATEDLY HARASSED MY CREDIT REPORT IN SOME CASES CHANGING THEIR NAME TO CONTINUOUSLY REPORT THIS IRRONIOUS CHARGE, DELIBERATELY DAMAGING MY CREDIT SCORE. 

THIS NEEDS TO STOP IMMEDIATELY WITHOUT FURTHER DELAY!

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 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: FL

Complaint narrative:
Recieved a debt collection letter dated XXXX claiming I owe $ XXXX XXXX XXXX. I have no knowledge of this company nor have they tried to reach out to me in any way. File XXXX Claim # XXXX. I am not liable for anything to XXXX XXXX or AFNI. I have never heard of this company XXXX XXXX and there is no loss data included in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: VA

Complaint narrative:
Mailed the letter to Transunion for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave TRANSUNION any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment

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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My family and I have been in the process of closing on our new house since the original date of XX/XX/2021. We began the mortgage process back in XXXX on the XXXX. Our loan officer at Bank of America, XXXX XXXX, has been stalling and/or unresponsive for most of this process. He will respond hours to even a few days later and never give all information slowing the process. 
For the past 3 weeks they have been telling us that they needs verification of my employment, however ; after 6 different attempts and steadily stalling it still had not been completed. We have accumulated over {$1000.00} in hotel cost, over {$200.00} in storage fees for our household items, and all he does is laugh at our experience. We have a XXXX year old daughter and dog, we should be in our house, not a hotel room. After all the stalling and lack of communication, we are looking to loose our house over this. Can you please call us once you have received this complaint at XXXX. Thanks

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 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
This complaint is being resubmitted because the cfpb closed a previous complaint without making sure the complaint was resolved. 

My account was recently compromised when XXXX XXXX XXXX XXXX 's bills were imported into my account. His name was not on my account and it should not have happened. In XXXX, while we were married ... I signed a trust named " XXXX XXXX XXXX XXXX trust. In XXXX, we got divorced and I opened a new USAA account and I paid money into our joint account until things could be separated. I was told our old joint account ( while married ) was closed. I spoke to USAA a couple of times about the tab that was listed under my bill pay on my new account. USAA reassured me that it was not an issue and that my ex could not access my account. In XXXX, I signed a new trust document named " XXXX XXXX XXXX XXXX XXXX '' and submitted the cover sheet and back page which was signed and dated. In XXXX, I signed a new trust document named " XXXX XXXX XXXX Revocable Living Trust '' and submitted the cover sheet and the back page which was signed and dated. In XXXX, I changed my name to XXXX XXXX and submitted the name change court paperwork to USAA. In XX/XX/XXXX, my ex-husband ( military member ) bills were imported into my personal bank account. I contacted USAA and requested they remove the bills. In XXXX, I signed a new trust document named " XXXX XXXX XXXX Amended and Restated Trust '' and provided the cover page and back page which was signed and dated to USAA. However, I told them I wanted the accounts closed as soon as possible. USAA had my account profile updated with my name of XXXX XXXX. USAA had my correct trusts on file but failed to update my name and trusts across all of my accounts. Additionally, at some point my trust became a secondary account holder to my account. USAA failed to follow procedures and update my account information across all my banking accounts. Additionally, they failed to read and check the dates on the trust paperwork I had submitted for my account. Finally, my ex-husband 's bills should have never been imported into my personal USAA banking account. During this process, I contacted USAA multiple times. I have been unable to get my checking and savings accounts closed. 

I have had to submit additional complaints to USAA because my accounts have not been closed. USAA was originally a bank established for military members. I was an XXXX XXXX service member as well. 

XXXX XXXX XXXX XXXX has multiple email accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: GA

Complaint narrative:
XXXX, Transunion, and XXXX  are all breaking the Law. You can clearly see they have false information and inaccuracies on my credit profile. I have been challenging these items for months and all to no avail. I have never had any account that they are reporting in my dispute letters and never have I ever had an account with XXXX yet they are reporting.

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 2021-04-01 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: GA

Complaint narrative:
XXXX, XXXX, and Experian are all breaking the Law. You can clearly see they have false information and inaccuracies on my credit profile. I have been challenging these items for months and all to no avail. I have never had any account that they are reporting in my dispute letters and never have I ever had an account with XXXX  yet they are reporting.

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