vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 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: MI

Complaint narrative:
I had a lease vehicle through GM Financial that was rendered a total loss due to a car accident, in XX/XX/2018. In XX/XX/XXXX, my personal auto insurance remitted payment to GM Financial for approximately $ XXXX, leaving a balance of $ XXXX. Based upon my contract, and the information provided to me at time of lease, GM Financial purchased a gap insurance contract on behalf of themselves to cover any gap balance. After my personal insurance made payment, GM Financial assured me that there was nothing further owed on my end, and they would deal directly with their insurer for the balance. In XX/XX/2018, GM Financial reported me as XXXX days delinquent along with the balance with all XXXX credit reporting agencies. I called them and they ensured me that the reporting was a mistake, and an update would be submitted to the agencies to get it removed. Not only was the XX/XX/XXXX delinquency not removed, but GM placed a XXXX day delinquency on my report in XX/XX/XXXX. For the past week, I have called GM at least XXXX times. They promised to remove the delinquency marks, and promised to fax over a letter stating the account was up to date. Every time I called in, I am given the run around. I escalated my call to a Supervisor, but the Supervisor has not returned my calls. I escalated my call to the Total Loss Department Manager, and he has not returned my calls. Between the Supervisor and the Manager, I have left at least XXXX   messages with no success. My credit report is damaged due to GM Financial 's lack of sufficient controls to mitigate operational risks like this. GM Financial has violated my FCRA rights by reporting inaccurate information on my credit reports, and has admitted to their violations several times on our recorded calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to XXXX & Equifax XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to XXXX & XXXX Experian has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default

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 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2018-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
In reference to account # XXXX, Citizens One Auto Finance is utilizing illegal late fee policies. 
My payment is due on the 3rd of the month with a 10 day grace period. 
I have always paid my car note before the XX/XX/XXXX of every month. 
The first time they accessed the late fee, I asked them to remove it because I paid on the XX/XX/XXXX. 
The rep stated that I paid on a Saturday, and they don't count the weekend as a payment date. 
I asked the rep, where does it state that on their website. 
She couldn't advise me because it's not stated on their website. 
If their policy states that weekend payments only count for the next business day, PLEASE PUT THAT ON YOUR WEBSITE. 
After I complained, they removed the late fee. 
This second late fee that they won't remove occurred after I paid my bill on the XX/XX/XXXX of the month in XX/XX/2018. 
They did not debit the money out of my account until 5 days later. 
I don't care when they took the money out of my account, I paid the bill on the XX/XX/XXXX. 
Instead of them reviewing my account to see if a payment is pending, they immediately access a late fee. 
These are unethical practices that they're using to access late fees on their customers ' account. 
If my account is reviewed, there will be NO payments made after the XX/XX/XXXX, so I've never been late. 
I mailed them a letter two weeks ago asking for them to remove the late fee. They refuse to remove it despite me paying my bill on the XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX I went to ATM inside Branch on XXXX XXXX and tried to withdraw {$60.00}. The ATM took my {$60.00} and gave me a recipe and said call XXXX. Lol.. And withdrawal the money out my account. Then I file a dispute and was given a credit and later it was reverse. I still have this recipe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
There were two times when I was unemployed. I called them to let them know and they pushed me into forbearance. It wasn't until recently that I found out I could have done the income based repayment, this went on for a total of 3 years or so. I tried calling them recently and they refuse to help. They allege that they do not have records of mine prior to XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
On Tuesday XX/XX/2018 I called PHH Mortgage Corporation to verify that they were my new loan servicer and who I was supposed to submit payments to going forward. I asked how I could pay online, the customer service representative explained how to log on to do so. I noticed there would be a fee to pay online so I asked if there is anyway to pay online without a fee. He told me if I enroll in paperless option and wait XXXX hours, next time I log in to pay, the fee will not be there anymore. So on XX/XX/2018 I tried to log on but it kept saying my log in information was incorrect. I called customer service and the representative gave me a temporary password to use. That did not work so I still had no access to my online account to make payment. My options were to mail in a check or pay a {$7.00} fee to pay over the phone. This is when I started researching PHH Mortgage Corporation and discovered that they have had multiple lawsuits regarding charging unauthorized fees, using incomplete information in the foreclosure process, AND FAILURE TO APPLY PAYMENTS MADE BY BORROWERS. After reading all of this, I started to get concerned about my loan now being in the hands of PHH. I called customer service again and insisted to speak to a manager about these discoveries and my concerns about my inability to make a payment without being charged a fee. I asked the customer service representative XXXX times to transfer me to a manager and each request was ignored. I told him if he can not transfer me to a manager then I would like to submit my payment over the phone without a fee. He agreed to do so, asked me for my routing number and bank account number to submit payment. I am bringing this to light before it gets worse. I am trying to be pro-active instead of re-active. As previously stated, I am seriously concerned for the future of my home loan. I still can not sign onto the website and when trying to talk with tech support I was on hold for an hour before anyone picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Hello!, I have been charged by merchant XXXX on my Citi card on XX/XX/XXXX. I didn't authorize those charges. When I came to know about the charges, I called XXXX and asked them to reverse the charges. They didn't do it and said these sales are final. Then I contacted Citi in XX/XX/XXXX of this year for these charges. After a few days, They closed the case. I have contacted them several times and every time I call Citi I talk to them for a couple of hours and they tell me that they will call me back or transfer me to the irrelevant department. Sometimes they hang up the phone. Like they did today. The charges were for {$200.00} and that is XXXX times, that makes it {$400.00}. It is extremely difficult after XXXX months to get my money back.

I need your help in sorting this matter urgently.

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 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
Hello ; this is strange! I was applying for some random accounts and noticed that is a collection flagged into my account which I was never notified and mailed me a letter about. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
every year i tried to get my credit report i being denied by equifax they demand photo id utility bills etc i mailed every year but no response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: FL

Complaint narrative:
I received a credit card offer from Discover Card. They lured me in with the PROMISE in writing for a XXXX month 0 interest rate.When I received the card, it was a lie. They stated in the advertisement that the card was guaranteed, upon approval, 0 interested for XXXX months. I was approved for XXXX and yet I only received XXXX months 0 interest, when I called them they said too bad. It was a classic bate and switch. I tried reasoning with them and was told too bad. I want the inquiry removed from my credit report. I work EXTREMELY hard to maintain a great score. They should NOT be allowed to bait and switch people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My husband and I opened accounts with suntrust over a year ago. His payroll check was deposited each Wednesday at midnight. We would set payments to disburse that next day. Suntrust would pay the scheduled amounts but charge an overdraft fee for every payment. This left our checking account in the negative on a regular basis. I got a loan to clear the account up and Suntrust continued doing the same and eventually closed our account for an extended overdraft balance of approximately {$1100.00}. We opted out of overdraft protection when we opened the account. We should not have been charged any fees with exception to check payments or ACH payments ; however, most of the fees derived from point of sale transactions and snowballed, causing all transactions to incur a fee. Again, we did not wish for nor elect to participate in overdraft protection. I have gone to the Bank physically and spoken with several bankers, including the branch manager of the XXXX, Georgia location, XXXX XXXX, with no success. I went again and was escalated to an executive team, a representative contacting me by phone once and never hearing back from him. We have added approximately {$10000.00} in overdraft fees that were taken from our account in less than one year. Suntrust has not cooperated with refunding any of the fees to date. Their handling of our funds in contrast to federal banking regulations has caused our credit scores to plummet among many other things.

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 2018-12-10 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:
In the past months I see my credit report from Equifax have numbers accounts and inquiries 44 inquiries are fraudulents accounts are XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX all those accounts are fraudulents please tell Equifax to XXXX  those accounts and I right now thank you so much XXXX bless you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Several companies listed inquires on my report that I did not personally request. I have contacted XXXX and notified them that I have been a victim of this and got no resolution.

KOHLSXXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 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: MN

Complaint narrative:
There are several issues with my credit report. 

The first thing is that I was not able to put a credit freeze on my report because Equifax said my file is too long so it split into two,  so there trying to reattach it. 

The reason my file is too long is because it contains is contains fraud account opened under my name, I have filled a police report and sent that over to the creditors as well the Equifax, all the other credit bureaus removed this fraud items but Equifax has not. 

The third is my credit report contains inaccurate information on some account, for example some that were long closed and have a XXXX balance is showing with a balance, in all other credit bureaus it is updated. 

Fraud account ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX   XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX   OpenedXX/XX/XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Fraud Inquiries ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Inaccurate balance on this two accounts, I paid them off but there reporting a balance ; XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX   XXXX Balance {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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:
In the past months I see my credit report from XXXX  have numbers accounts and inquiries 44 inquiries are fraudulents accounts are XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX county  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX all those accounts are fraudulents please tell XXXX to Delaware those accounts and I right now thank you so much God bless 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 non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Several companies listed inquires on my report that I did not personally request. I have contacted XXXX and notified them that I have been a victim of this and got no resolution. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/2018

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 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Several companies listed inquires on my report that I did not personally request. I have contacted XXXX and notified them that I have been a victim of this and got no resolution.

XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/2018

Company response to consumer: Closed with non-monetary relief