vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: United Credit Education Services
State: IL

Complaint narrative:
After signing up with United Credit Education Services ( UCES ) I realized that I would have to handle the paperwork regarding my credit repair. I was responsible for mailing dispute letters and sending their company any updates regarding my credit reports. I would then have to send them this correspondence and await for additional dispute letters to send myself. This information was not brought to my attention until after I paid my {$100.00} sign up fee and $ XXXX monthly fee ( {$180.00} total to start the service ). I was not pleased, but was aware of their full refund option so I kept the service awaiting for items to be removed from my report. My first dispute letters were mailed to me and I sent them to the bureaus. The second dispute letters were submitted to my account via PDF which is password protected and I was never provided the password to access. Now, after 3 months of service and with no changes to my credit report by their service I have requested a refund. Their site and the representative I initiated this service with stated there is a money back guarantee and their website indicates they offer a full refund if not satisfied with their services. The specific language regarding is below : Once you get started with our proven approach to credit restoration, you may begin to see exciting results within the first 60 to 90 days. With your ongoing participation, you can continue to experience improved credit throughout our credit restoration process. UCES understands that every financial scenario is different ; that's why we back our service with a Satisfaction Guarantee, taking every step to ensure a positive experience. Extended service times, other product offerings, and money back options, up to and including a full refund should we not meet your expectations. What do you have to lose other than your less than perfect credit? Individual results may vary. 

I have reached out to Customer Service and to no avail will not receive any refund for their services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2015 I opened up a secured credit card ( XXXX limit ) with Wells Fargo. I had to sign at least 10 documents to open up this card and give them my XXXX dollar deposit. After sometime and with my account in good standing Wells Fargo decided to " upgrade '' my account to be unsecured without my permission or my knowledge. They said that they sent a letter notifying me of this upgrade and since I didn't respond within 60 days to decline this they then deposited my XXXX back into my account making my credit card unsecured. 

Around the same time as the incident mentioned above my life was altered by a car wreck and I had many unforeseen expenses. Of course I maxed my " secured '' card out during this time and when I went to Wells Fargo to close out my account they told me " Your account was upgraded months ago. '' Needless to say I was speechless and at a loss for what to do. I still can't understand how I had to sign 10 documents to open the account but not ONE to upgrade to an unsecured account! My whole point is that if I had known that my card was unsecured then I would have definitely refrained from spending the money. I asked Wells Fargo for an explanation and they said that since I did not decline the offer within 60 days that it is just like accepting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Called GM Financial. They told me they had not updated the credit report. So the amount reported includes both the end of lease charges and the payments I have already made. 

I advised them that the information was inaccurate. They did not take any action on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I do not know until I look at my record report all three of them then Ill find out why all set on getting denied for small loans that I used to not get the night at all theres something on my record is hurt me and I believe it might be fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: MI

Complaint narrative:
Im a divorcee, worked 1 and 2 jobs most of my life and raised XXXX sons ( now grown ) on my own and never made excuses. 
Ive always taken personal responsibility for my poor credit, but when I retired in 2012, I filed for a Chapter XXXX and yet paid my bills and managed to pay off {$40000.00} in a 6 year period. 
My sons were now grown and my income had improved, so I worked on improving my credit. 
Ive monitored my credit for 6-7 years and its slowly improved. However, the Bankruptcy recently fell off my credit, and now after 6-7 years my credit score dropped 53 points.

In 6-7 years, Ive paid my bills on time and most often paid them early.

Now Im being told that because of algorithm used by XXXX, its impacted my credit score negatively. 
There is something very wrong with this. I understand that XXXX and Equifax are separate companies, but with Equifax my score fell for the same reason 8 points. 
Its like XXXX is working against me and others. There is something very wrong with this picture. 
XXXX uses terms like algorithm as an excuse. I am asking that you look at my credit report situation and correct my credit report. I am XXXX years old now..through an emergency situation that recently arose, I was made aware that I need a new roof on part of my house. I was looking forward to getting a positive credit score so that I could arrange for financing at a decent interest rate. XXXX has caused me great harm. I am very upset.please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
XXXX sold my account or transferred my account to PHH mortgage services. 

I received a letter end of XXXX. In XXXX I would have to start making payments to PHH. In XXXX and XXXX I struggled to bring my account current. 

In XXXX I went to pay at XXXX XXXX but my account was not merged to PHH. 
I paid to ocwen and the fee was set to {$16.00} as to {$2.00} per transaction. 
On the statement it said I pay {$590.00}. 
My Property tax is {$2500.00} and school tax with star program is {$1800.00} and Insurance is {$640.00} total of {$5000.00} escrow {$420.00} Now PHH has put the mortgage payment as XXXX escrow at {$490.00} total in 12 months {$5900.00}. 
over $ XXXX Not only that my account has not been updated in the system and have charged me for inspection and also sent a notice of additional escrow. 
I have been in this house for 17 years. 
I think it is fair to be told how they come up with that figure of {$660.00} stop the threat calls and robo calls. 
False escrow calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: ZIONS BANCORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 I came into the Amegy bank branch to open a Business Credit Card, Checking, and Money Market account after being informed prior about a promotion for new customers. XXXX XXXX from the Branch collected my information and proceeded to open the accounts. All accounts were opened to my understanding and the credit card approved with a credit limit of {$5000.00}. 

On XX/XX/2019 after some issues with online banking and my credit card account not being shown online, I was informed that Amegy, at their sole discretion opened a Personal line credit card for me instead of the Business Credit Card that I had applied for. The banker who was assisting me informed me that in order to process a Business Credit Card application and ensure that I would be receiving the promotional bonus, that I will need to submit a Business Credit Card application via paper. After submitting a business credit card application via paper I was informed that the application was denied because my business did not meet the parameters set forth by Amegy to approve a business credit line. I was then informed that because the promotion was only for the business credit card and not the personal ( which I had used and fulfilled my obligations for in order to receive the promotional bonus that was advertised to me ), I would not be getting any of the promotional bonuses.

My issue now is that : - I have two credit inquiries on my credit report. One for a product that I did not apply for.

- I have a personal credit line account showing on my credit report which has adversely negatively affected my credit score and profile.

- I will not be receiving any of the promotional bonuses that were stated I was eligible for when opening my accounts.

Frankly, the application process should have stopped when the First Business Credit Card application was submitted. Amegy should NOT have opened a Personal Credit Card line for me at their sole discretion and instead denied my application as they did the second time that I was informed I had to apply. Amegy is stating that it is in within their rights and terms that they may evaluate me for personal credit card, when a business application has been submitted, but I have yet to receive where in the credit card application those terms are stated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
I was denied for teacher loan forgiveness the first time because I applied in XXXX of my XXXX year. So I applied again 4 years later, I was never notified I had to call EDFINANCIAL to find out it was because they did not read the application completely to see that I taught 7 years at one school and was at a new school for the last 2 years. The agent resubmitted and it wasnt until I called them again 6 months later that I found out I was denied for filling out the wrong line on the application. During this 6 months of non communication, my credit score fail 100 points because I thought I was in forbearance awaiting a decision on my loan forgiveness. Although the dates were corrected this did not help the fact that my credit score fail for 8 months and it effected my financial portfolio. I recently applied again and was denied because I was told that I had an OUTSTANDING loan before XX/XX/1998, which is incorrect because I was a XXXX at that time. I asked to speak to a manager and was told he was the only manager I could speak to. Edfinacial need to be investigated, most of all the complaints are the same, and customers financial portfolios should not be left to the hands of customer service agents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
SunTrust Bank wrongfully reported a late payment and delinquent account status to the Credit Reporting Agencies for our home mortgage account, which destroyed mine and my wife 's credit scores, taking my own score from an excellent rating of above XXXX to a poor rating below XXXX in a single month. In our annual escrow account disclosure statement SunTrust informed us our new monthly mortgage payment would be {$2600.00}, effective XX/XX/2019, if we paid an amount of {$2100.00} that they determined to be a shortage in our escrow account based on their estimate of what our escrow expenses would be in the coming year. We decided to pay that amount in full in XXXX of 2019 after we received our tax refund. We paid {$2600.00} on time in XX/XX/2019 and SunTrust deposited the check. On our next mortgage statement SunTrust reflected the {$2600.00} as being held in suspense until our escrow amount was paid in full, which we planned to pay in XXXX of 2019. In early XXXX of 2019 we submitted another on-time mortgage payment to SunTrust in the amount of {$2600.00} and SunTrust deposited the check. Our plan was to submit the the escrow amount in the coming weeks, but we learned that on XX/XX/2019 SunTrust had reported our account to the Credit Reporting Agencies as delinquent, despite depositing our two previous checks, and despite communicating to us the amounts we paid would be held in suspense. When we called to inquire we learned SunTrust was mailing us checks back for the amounts we paid and they deposited, contrary to their prior communication that those amounts would be held in suspense. By the time we received 2 separate checks in the mail and then mailed SunTrust back the total amount they claimed they were immediately owed it was XX/XX/2019. We requested that because this was the first time we ever had an issue with our mortgage account, and because we put our account in good standing in a timely manner, and because we otherwise had a perfect credit history, that SunTrust remove the late payment they reported, and cease to classify the account as delinquent, but they refuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 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: MS

Complaint narrative:
I checked my credit report using XXXX XXXX and I received an email from XXXX XXXX stating that Syncb/XXXX ( National credit card/Airlines was added to my report. The report says Inquiry from XX/XX/2019. I have never heard of or use whatever this maybe. I dont know where it came from. It was a hard inquiry on my report and I need it resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 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: MI

Complaint narrative:
Called XXXX XXXX. They told me they had not updated the credit report. So the amount reported includes both the end of lease charges and the payments I have already made. 

I advised them that the information was inaccurate. They did not take any action on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: ID

Complaint narrative:
On XX/XX/2019 I received a judgement for wage garnishment from CREDIT BUREAU OF LEWISTON CLARKSTON , INC A Washington corporation. I had previously spoken with " XXXX '' at XXXX-XXXX-XXXX at wich time I requested documentation/validation of the debt consisting of the original contracts and history of acct payments etc. because I believe some of the information as inaccurate. I received printed receipts with no detail and no signatures on several accts, I waited a couple weeks then called them back to again request the original documents and " XXXX '' informed me that she had already put it through for garnishment. I had spoken with " XXXX '' about {$50.00} dollar payments biweekly once I had satisfactory validation of the debt and we were able to correct-any errors in the judgement as I did not want to agree paying an incorrect amount I wanted all the filings to be accurate before starting payments. she claims I did not follow through on my payment agreements however I simply wanted correct information before I submitted payment as some of the accts are a few years old. now I have to file a request to stop garnishment and believe this company is not entitled to garnish my wages. nor are they entitled to collect any monies from me as they failed to validate the debt and I would like to work with the original creditor that they claim they filed on behalf of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: FL

Complaint narrative:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my Experian Dispute Results credit report dated XX/XX/XXXX I can still see inaccuracies and blatant violation. my dispute letter to the CRA dated XX/XX/XXXX, Inaccurate Items disputed ( XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ). Dispute reason : remove this account because the date of status date or DOS didn't update, this irrefutable proof that no investigation was done 30days ago. its a violation- delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status date or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status date or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX/XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX  XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my dispute results from experian investigation shows the DOS date didn't change/update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
We thought that we purchased a Honda XXXX on XX/XX/2019 at XXXX Honda in XXXX, Georgia. The financing in the amount of {$25000.00} was a college grad program through American Honda Finance Corp, with a monthly payment of {$400.00}. On XX/XX/19, we were asked to return to the dealership ( XXXX Honda  ) to pick up a covering for the trunk that allegedly had come in for the vehicle. When we arrived at the dealership, we were told that there was no trunk covering and that they just needed us to sign a new loan because American Honda Finance Corp had rejected the original loan. We refused to sign up for the new loan which had a different rate of interest and higher payment amount. Now we have the car and we do not have any license, tag or registration. We believe that it is fraud for the dealer and American Honda Finance Corp to send us home with the car on Saturday ( XX/XX/19 ), and then try to force us to accept new loan terms on Wednesday (XX/XX/19 ), and to be lured back to the dealership under false pretenses in their plot to perpetrate the fraud. 

We have contacted the dealership ( XXXX XXXX and XXXX XXXX, who have not provided any of the promised paperwork or responded to multiple emails ), American Honda Finance Corp ( they only handle payment issues ) and Honda Customer Service ( they only handle vehicle issues ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion advertised free credit monitoring, and did not mention any charge when signing up for their service. However, after signing up for their service on XX/XX/XXXX, I received a previously undisclosed monthly charge for XXXX. 

There is also no online location I can find to cancel the monthly charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief