vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-09 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: SLM CORPORATION
State: NY

Complaint narrative:
Hello, XXXX XXXX XXXX reported on my credit twice and I only have one account open with them. I want them to delete on of the Items off my credit and keep only one Item on there that matches the amount of accounts I have open with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I got a car insurance quote from USAA last month but that was the total extend of my interaction with them. The quote was more than twice my current premiums so I did not complete the application ( even after my ignored mail/email/phone contact from them ) Today I received a Visa charge card with a {$8.00} balance and {$24000.00} credit limit that I never applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have reached out to TransUnion several times trying to get them to remove information that is inaccurate. 
Two times before they have verified information that is not mine.

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 2018-09-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2018 I performed a n {$18000.00} balance transfer to a promotional 0 % offer on my USAA credit cards. I spoke with a representative prior to confirm I could continue using the card for everyday spending, and that my payments would be applies as follows : minimum payment to fees, interest, and/or the balance transfer and that all payment in excess would be applied to the higher interest purchases. It was obvious very quickly that I was being charged interest every month on my new purchases, despite paying enough to cover the minimum payment an new purchases. I spoke with USAA again, it was possible it was because of the timing when I would make my payments. Over the next several months I tried various things and was always being charged interest. Finally, I decided not to spend any more on this card and only have the balance transfer on it. My new spending for the cycle ending XX/XX/XXXX on XX/XX/XXXX was {$3300.00} and my balance transfer balance balance was {$13000.00}. XX/XX/XXXX I paid {$3500.00}, and on XX/XX/XXXX I paid {$1000.00}. On my XX/XX/XXXX statement my Balance transfer balance is now only {$100000.00}. This means of my {$4500.00} XXXX payments roughly {$2400.00} was paid on my balance transfer at 0 percent interest. The application of my payments has not followed any prescribed formula that they told me, and also violates the rules set forth in the CARD Act regarding applying payments to the highest rate balance first. I have asked the company repeatedly to address this, they will not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have reached out to XX/XX/XXXX several times trying to get them to remove information that is inaccurate. 
Two times before they have verified information that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have reached out to XXXX several times trying to get them to remove information that is inaccurate. 
Two times before they have verified information that is not mine.

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 2018-09-09 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called Bridgecrest and asked the Bridgecrest employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to Bridgecrest to their XXXX AZ address. Bri

dgecrest received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus.

I called Bridgecrest and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
Bridgecrest did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with XXXX ; and filed disputes with XXXX and XXXX and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the Bridgecrest account as being PAID IN FULL/SATISFACTORY.

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 2018-09-09 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 found an unknown XXXX XXXX XXXXXXXX account in my credit report at the end of XXXX. I contacted Experian and try to dispute it. Then Experian told me the result is accurate on XX/XX/XXXX. The unknown XXXX account was opened in XXXX, and my first arrived in US is XXXX. I have no idea why both XXXX XXXX  XXXX and Experian said the credit card account was belonged to me. I only have one authorized XXXX credit card account from my wife. It was opened in XXXX and I checked the account number is different.

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 2018-09-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
thier are inquiries on my credit file i did not authorized, witch i believe is fraud due to equifax security breach. 1.XXXX XXXX XX/XX/2018 2. XXXX XXXX XX/XX/2018 3. XXXX XXXX- XXXX XX/XX/2018 4.XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/2018, I had applied for a line of credit, with a lender. I was denied due to the fact that, Santander Consumer USA, has continued to report negative and incorrect reports about my past credit with them, to all credit bureau 's. After trying to correct this era with them on several occasions, they still haven't done so. I had retained a credit repair agency, to help me rectify this problem, and as of today they still haven't done so. I am now reaching out to Consumer Finance, because I feel like my rights have been violated, Under the Consumer Finance Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates had made a claim that I had owed {$1100.00} dollars on a collections account. The original creditor was XXXX XXXX XXXX XXXX XXXX. This was for a XXXX credit card. The true original amount owed was {$1100.00} I had agreed to pay {$950.00} in exchange that they would list this on my credit report as paid in full and also list this as a paid collections. They had failed to live up to their bargain. They had listed the account as paid in a settlement. That was against what our agreement was stated. Also Portfolio Recovery Associates had marked my credit report as failed to pay in XX/XX/2016 just a few weeks after accepting my payment of {$950.00} in XX/XX/2016. By Portfolio Recovery listing this as a failed to pay item well after it was paid had lowered my overall credit score. I have on many occasions called Portfolio Recovery and had asked nicely for them to make corrections to my credit reports. They had refused to make any corrections and or updates. They had stated that it was an error within the credit reporting agencies such as XXXX. As to my understanding the credit agencies only report what they are provided by the creditors and collections agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: PA

Complaint narrative:
I received a background check from XXXX XXXX XXXX that has false information on it. It states that i am a XXXX XXXX and that i have a federal criminal record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I found an unknown Bank of America account in my credit report at the end of XXXX. I contacted XXXX and try to dispute it. Then XXXX told me the result is accurate on XX/XX/XXXX. The unknown BOA account was opened in XXXX, and my first arrived in US is XXXX. I have no idea why both Bank of America and XXXX said the credit card account was belonged to me. I only have one authorized BOA credit card account from my wife. It was opened in XXXX and I checked the account number is different.

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 2018-09-09 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have a loan with MERCEDEZ BENZ FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and MERCEDEZ BENZ FINANCIAL with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 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: IL

Complaint narrative:
Account ending in XXXX Please do not close this complaint. It is NOT a duplicate. Citi has never responded to this issue, please do not close this!

Citi is not handling a dispute accurately. I ordered supplements online with XXXX XXXX The box arrived and was filled with the wrong supplements, I contacted the seller and they sent me a return label for a return and refund or replacement. The items were sent back but they refused to refund me. I opened a dispute and citi has basically ignored the fact and supporting documents. I have proof via email the box was returned and was the same weight it was when received. I have photographs of the contents and confirmed they are items sold on their site. I also have emails proving the company will refund me but then won't. This is a cut and dry case for my bank to step in and file a claim but they have dropped the ball. 

I am now getting charged with late fees and service fees because I refuse to pay on the account until this is removed, this charge is my only balance. 

XX/XX/2018 XXXX XXXX XXXX NC Expand Details

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 2018-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX  on XX/XX/XXXX from XXXX 's XXXX & XXXX in XXXX, Texas. The vehicle was financed by Credit Acceptance at 22.01 % for {$22000.00} total amount of payment. On XX/XX/XXXX, Hurricane Harvey hit XXXX, Texas and I had to travel through floodwaters to make it home where I was trapped. I called Credit Acceptance on XX/XX/XXXX to report XXXXXXXX XXXX was in floodwater. I had full coverage insurance through XXXX XXXX and extended warranty protection through XXXX XXXX ( XXXX XXXX ), however, for FEMA disaster assistance, I was advised not to file a claim with the insurance companies. The XXXX XXXX  trouble indicators lit up the dashboard. I took the vehicle to a local XXXX dealership, XXXX XXXX XXXX on XX/XX/XXXX, and diagnosis indicated Multiple DOC 's. I requested letters for both XXXX XXXX and XXXX XXXX in applying for Fema assistance stating I did not file a claim. I received a letter from XXXX XXXX stating they do not cover vehicle damaged by floodwaters. Credit Acceptance informs I had to file a claim with the XXXX XXXX because of Hurricane I missed the XXXX payment. XX/XX/XXXX XXXX XXXX agent XXXX XXXX in a recorded conversation total XXXX XXXX and was going to send a tow truck to retrieve the vehicle from my residence immediately, however, I requested paperwork to provide to lien-holder Credit Acceptance and was told to wait on XXXX XXXX agent for documents. XXXX agent XXXX XXXX read invoice from XXXX XXXX to determine months later the vehicle did not suffer from flood-water damage but needed a catalytic converter. XXXX XXXX provided a check in the amount of {$200.00} to cover my deductible for vehicle repair, stating they will cover the cost for the catalytic converter. I took the vehicle to XXXX XXXX XXXX XXXX on XX/XX/XXXX, and before they release the vehicle I had to pay out of pocket expenses in the amount of XXXX and the following Monday Credit Acceptance repossessed the vehicle. from my job

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 2018-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX had made a claim that I had owed {$1100.00} dollars on a collections account. The original creditor was XXXX XXXX/GE Retail Capital Bank. This was for a XXXX credit card. The true original amount owed was {$1100.00} I had agreed to pay {$950.00} in exchange that they would list this on my credit report as paid in full and also list this as a paid collections. They had failed to live up to their bargain. They had listed the account as paid in a settlement. That was against what our agreement was stated. Also XXXX XXXX Associates had marked my credit report as failed to pay in XX/XX/2016 just a few weeks after accepting my payment of {$950.00} in XX/XX/2016. By XXXX XXXX listing this as a failed to pay item well after it was paid had lowered my overall credit score. I have on many occasions called XXXX XXXX and had asked nicely for them to make corrections to my credit reports. They had refused to make any corrections and or updates. They had stated that it was an error within the credit reporting agencies such as XXXX. As to my understanding the credit agencies only report what they are provided by the creditors and collections agencies.

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 2018-09-09 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: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion and XXXX XXXX XXXX with no successful resolution. XXXX and TransUnion only reporting me late. There was definitely an error on their part. I was never 30 days late 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 2018-09-09 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: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX and XXXX XXXX XXXX with no successful resolution. Experian and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late 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 2018-09-09 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:
XX/XX/XXXX - XX/XX/XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called XXXX and asked the XXXX employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to XXXX to their XXXX AZ address. XXXX received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus. 
I called XXXX and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
XXXX did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with XXXX  ; and filed disputes with Transunion and XXXX and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the XXXX account as being PAID IN FULL/SATISFACTORY.

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