vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On the morning of XX/XX/XXXX I received a text notification from Bank of America asking me to verify three separate transactions for {$50.00} from XXXX network. After replying with a no I called and open a dispute with the fraud department as they still allowed the three {$50.00} charges to go through, even though I replied no as soon as the texts came in. After about a month on XX/XX/XXXX I get a letter from Bank of America saying they are denying my claim because XXXX says they delivered goods to me. I never received any goods and disputed this again which they said could take up to 45 days. Today on XX/XX/XXXX I get a letter in the mail saying they confirmed the information they had with XXXX and denied my claim again. I dont understand how they allow these charges to go through that triggered a text and I replied saying no dont let them go through immediately. I should not be liable for this as I was not grossly negligent in any way and I am not associated to these charges as XXXX states the charges were made overseas.

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 2020-02-04 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: Collections Acquisition Company, Inc.
State: CA

Complaint narrative:
I created an account to monitor my credit and see the XXXX collection still on my credit. This account was paid with the agreement that it was to be deleted from my credit profile, yet it was only updated to paid. I was advised I needed to dispute this with the bureaus with no reply on the status, hence this complaint. Due to manipulative collection tactics with not following what was advised I am filing this complaint as it needs to be removed promptly to rescore my credit, per agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
A THIEF STOLE MY INFORMATION AND DECIDED TO GET A CAR WITH MY INFORMATION. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE NOT APPLIED FOR A CAR LOAN THROUGH HYUNDAI CAPITAL AMERICA. SOMEONE STOLE MY INFORMATION MY IDENTIFICATION AND DECIDED TO GET A CAR. THE IS PAID OFF BUT IT WAS NEVER MY LOAN, I WANT IT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
NUMEROUS TIMES I HAVE SUBMITTED PROOF THAT I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND MADE FRAUDULENT CHARGES ON MY CREDIT CARD. I HAVE REACHED OUT TO DISCOVER THAT THE CHARGES ARE FRAUDULENT,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I was told by the dealership that the overage mileage would be waived if i leased a new car. Honda waive some of it but not all. I told that to Honda however they went ahead and charged off my account. So i went ahead and paid the balance. However the charge off is still on my credit account.there has to be some accountability of what dealerships will promise in order to get you into a new car and what the car company will keep to. I have heard the same horror stories from many friends and family. There has to be substance not just fluff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX. 
XX/XX/2020. 

To : CFPB. 

I received an e-mail on XX/XX/2020. 
It looked like it was from CHASE credit card. It said : Urgent : of in-line Banking information. and We have detected an irregular activity on your account and we are placing a hold on your account for your protection. Click Here to verify your account. 
My husband clicked on it and disclosed my name, address, Date of birth, SS number, Drivers ID no. Chasecredit card Password, telephone no. Etc. The information went to the sender. I then called CHASE and told them what happened. They said it was fraud. 
They canceled our credit cards and promised new cards. We changed our password. 
We are afraid of what might happen to us. 
We want your advice please. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, BANK OF THE WEST HAS ASSIGNED THISA CCOUNT TO XXXX XXXX XXXX COLLECTION AGENCY. I HAVE NEVER HAD ANY ACCOUNTS AT BANK OF THE WEST, THIS ACCOUNT WAS OPENED FRAUDULENTLY AT BANK OF THE WEST

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 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
My accounts were hacked on XXXX  XXXX and XXXX  XXXX took me to court for non payment i sent them proof showing it was identity theft and it was charged by an unauthorized individual. They finally agreed and retracted their judgement however they only retracted on one account and not the other. The other account was sent to collections and they have been harassing me ever since for something i wasnt liable for. I will attach documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus have outdated information and lots of items reporting wrong. Multiple addresses and phone numbers that I've never live at.The addresses that belong to me are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The only number belonging to me is XXXX The rest of the numbers are not mine. 
XXXX XXXX XXXX XXXX show delinquent history loan have been rehabilitated and being paid as agreed.. XXXX XXXX exceed 7 years. XXXX XXXX should not be showing I was forced to move out because of mold and they agreed to the terms, plus its 7 years old. 
The following accounts have been re-aged which is illegal to do so. Everyone of the accounts are 7 years past statue for reporting. 
XXXX XXXX. 
XXXX XXXX duplicates XXXX XXXX XXXX duplicates XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MS SERVICES LLC
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, XXXX XXXX XXXX XXXX HAS ASSIGNED THISA CCOUNT TO MS SERVICES LLC COLLECTION AGENCY. I HAVE NEVER HAD ANY ACCOUNTS AT XXXX XXXX XXXX XXXX, THIS ACCOUNT WAS OPENED FRAUDULENTLY AT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: MI

Complaint narrative:
My lease expired XX/XX/XXXX. The car was turned in and I never received any further information or bill from GM Financial. I then received an alert on my credit report stating I had {$410.00} 30 days past due and dropped my score even though I had not received a final bill. Upon calling GM Financial on approximately XX/XX/XXXX I spoke with a representative who stated a final bill was never sent out. She further stated that she would fix the inaccurate credit report and send out the final bill. The account got reported as being in good standing but still showed a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus have outdated information and lots of items reporting wrong. Multiple addresses and phone numbers that I've never live at.The addresses that belong to me are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The only number belonging to me is XXXX The rest of the numbers are not mine. 
XXXX XXXX XXXX XXXX show delinquent history loan have been rehabilitated and being paid as agreed.. XXXX XXXX exceed 7 years. XXXX XXXX should not be showing I was forced to move out because of mold and they agreed to the terms, plus its 7 years old. 
The following accounts have been re-aged which is illegal to do so. Everyone of the accounts are 7 years past statue for reporting. 
XXXX XXXX. 
XXXX XXXX duplicates XXXX XXXX XXXX duplicates XXXX XXXX XXXX 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 2020-02-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus have outdated information and lots of items reporting wrong. Multiple addresses and phone numbers that I've never live at.The addresses that belong to me are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The only number belonging to me is XXXX The rest of the numbers are not mine. 
XXXX XXXX XXXX  XXXX  show delinquent history loan have been rehabilitated and being paid as agreed.. XXXX XXXX exceed 7 years. XXXX XXXX should not be showing I was forced to move out because of mold and they agreed to the terms, plus its 7 years old. 
The following accounts have been re-aged which is illegal to do so. Everyone of the accounts are 7 years past statue for reporting. 
XXXX XXXX. 
XXXX XXXX duplicates XXXX XXXX XXXX duplicates XXXX XXXX XXXX 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 2020-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: AZ

Complaint narrative:
We applied for a VA cash out refinance with Homebridge on XX/XX/XXXX. On XX/XX/XXXX our loan was fully approved and " Cleared to close ''. All conditions and documentation had been provided. NO ADDITIONAL INFO WAS NEEDED- we were all set to sign our refinance paperwork after nearly 3 MONTHS of waiting. Our lock was expiring on XX/XX/XXXX and we had started making plans with the loan officer to sign documents at the title company. 

We were informed that our loan had to go through QC or Quality Control. Over 10 days went by with no answers from our loan officer or Homebridge 's management team. On XX/XX/XXXX, our loan officer informed us that the loan had been denied. No reason provided, there ultimately is no reason and that is why Homebridge hasn't given us an answer or opportunity to proceed. We have pensions and guaranteed retirement income, low debt to income, low combined loan to value ratio 's and superb credit. We are A+ borrowers.

I know that the loan officer was having issues with the company and I feel that Homebridge is punishing us, the customer, to resolve an employee issue ( or try to make him leave ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO GRANDVIEW FINANCIAL NUMEROUS TIMES, I HAVE ALSO REACHED OUT TO XXXX NUMEROUS TIMES. THIS ACCOUNT WAS OPENED MAINTAINED WITHOUT MY KNOWLEDGE. THIS IS A FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I received a box of documents from a relative and found paperwork of 4 student loans in which I did NOT authorize by my official signature to proceed. They appear to be electronically signed with my name but without my authorization or my personal signature.

The original 4 loan amounts loan dates are as follows : Loan # 1 Sallie Mae XX/XX/XXXX for {$20000.00} Loan # 2 Sallie Mae XX/XX/XXXX for {$14000.00} ( the promissory note for this loan # 2 has my forged signature on the document ) Loan # 3 Sallie Mae XX/XX/XXXX for {$7800.00} Loan # 4 Sallie Mae XX/XX/XXXX for {$2500.00} Per my credit reports, these are now under Navient. Ive tried a few times over the past several years to dispute my claim that I am NOT the co-signer on these 4 loans and I have asked several times for documentation/promissory note copies from the services to provide proof otherwise and they do not seem able to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted three certified letters to each credit bureau from XXXX XXXX XXXX XXXX, signed by XXXX XXXX, Chief Audit Executive, to correct the credit reports, which was advised by the NCUA to correct. Upon reviewing my credit history, the credit reporting agencies have failed to correct. Payments were being made and not applied and they wrongfully charged off the account, admitted to the error and stated that the ya want everything to each credit bureau to update, correct and/or delete the mistakes. This pertains to the personal loan and the line of credit only. Everything is outlined in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX, my loan was consolidated with my ex spouse through Sallie Mae. While divorcing in XXXX XXXX, I begged and pleaded with Sallie Mae to break apart out loans. I was listed as the co-borrower and was worried if my ex spouse did not pay, I would be stuck with the full amount. They refused. The loan went into default. After divorce was final and some time later, I made a arrangements and we began to pay the loan again separately- however I could not make any changes to the loan and was barely able to discuss the loans when I called. Once we began paying the loans, they were transferred to XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: MN

Complaint narrative:
Refuses to let me log in and see my loan history when they held my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: AP

Complaint narrative:
I applied for a Loan in late XXXX and was informed by my lenders that my XXXX  and XXXX  scores were 100 points lower than XXXX  ( XXXX vs. XXXX ). I have never been delinquent on a debt in my life. I am an XXXX XXXX military member ( since XXXX and still XXXX  ) now XXXX  XXXX. I have disputed the claim with the credit bureaus they simply updated dates and reflected the balance {$0.00}. XXXX originated from XXXX XXXX and was listed as {$130.00} charge, this was quickly updated to $ XXXXThe information remains on my credit report. Reported date was XX/XX/XXXX. I have lived in XXXX since XX/XX/XXXX when I XXXX  'd XXXX  so the dates are impossible to justify. Diversified Consultants ( XXXX XXXX XXXX XXXX, FL XXXX ) is listed as collection agency and has also been contacted and notified this is a faulty collections claim. Reporting agencies continue to show a XXXX  balance but neither Diversified, XXXX  or reporting agencies will delete this faulty collection that is adversely impacting my score and making it so I can not purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX DID NOT provide me with the service expected from a car rental company. 
The car failed to start on the morning of XX/XX/2020 which was the date of the car rental return and my flights back to XXXX. I called the XXXX customer service number listed in my rental agreement to get help and no one answered. I then had to take a taxi at my own expense to the airport car rental counter where they provided me with a XXXX Emergency number. Upon calling the XXXX emergency number, XXXX sent a mechanic to fix the problem but I needed to be present physically. The mechanic took approximately 2-3 hours to reach my location which made me miss my flight. I had to purchase new flights to XXXX in the amount of {$2400.00} USD. 

XXXX provided me with a defective car and then failed to provide me with a proper, timely solution in order to catch my flights to XXXX. Instead, they made me miss my flight, which then, I had to repurchase at a premium cost ( {$2400.00} USD ). 

The company XXXX-XXXX XXXX  still went ahead and posted a charge in my Chase Sapphire Preferred account ending in XXXX on XX/XX/2020 in the amount of {$440.00} USD. I called XXXX in XXXX XXXX to get a refund for this amount to no avail. I contacted XXXX  in the USA and I was directed to contact XXXX  in XXXX XXXX to resolve the problem which I did to no avail again. 

I submitted a claim and all relevant documents to Chase to credit me in the amount of {$440.00} which Chase refused to do and instead sided with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CB1, Inc.
State: MT

Complaint narrative:
In XX/XX/2019, I received a phone call from CB1 Inc., in the conversation they stated that they possessed a debt of mine but have discussed the matter with my ex and she agreed to a payment plan with my ex. I stated that if anything changed to notify me but that my ex had the mail forwarded to her new address. They stated that they would mail everything to my current address even though the mail was being re-directed.

I didn't hear anything ever again from CB1. CB1 maintained contact with my ex ( not the account holder ). They never contacted me ( the account holder ) again even after my ex defaulted on her payment arrangement with CB1.

I found out what was going on by reviewing my credit report. Once I knew what was going on, I sent a debt validation letter and requested for all derogatory marks on my credit report be removed until this could be properly validated and handled. CB1 refused to take appropriate action and to follow the required instructions per the FDCPA. The attorney for CB1 has lied on multiple occasions and has attempted to XXXX me into doing what CB1 wants without CB1 taking appropriate action. 

I have filed a letter disputing the debt but have not received a response.

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 2020-02-04 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: MA

Complaint narrative:
Transunion and XXXX  are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, XXXX  is reporting the account as XXXX XXXX/XXXX  XXXX, TRANSUNION is reporting the account as XXXX XXXX  XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.

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