vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 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: DISCOVER BANK
State: PR

Complaint narrative:
On XX/XX/XXXX, I contacted Discover to advise me about a purchase made with their card, to the company XXXX XXXX, because I was not satisfied with the merchandise. They told me to contact the supplier to try to resolve the situation. I contacted him and asked him to return the money and send to pick up the merchandise. 
On XX/XX/2018, Discover sent me a text message, related to a transaction I was making with my company card. The same was referring to the remaining payment of the merchandise mentioned above, with which I was not satisfied. I called Discover to avoid them processing the transaction, because I had not authorized it. After explaining the situation of that transaction and having talked with two different people, nothing was resolved and the transaction was not canceled. I put the two transactions on dispute but Discover fails against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My account was closed without my authorization. I wasnt notified about this so I called synchrony bank to ask what happened and I was treated very unjust by the rep that took my call on XXXX XXXX I asked to speak to an account manager but the account manager would not cooperate in helping me and they hung up in my face. Horrible customer service experience plus the account manager that I spoke to hung up on me and I was unable to give any feedback back to their voice of the customer so no one else would have to be treated this way. They closed my account because they received an inaccurate credit report. Because of this my credit has severely dropped. I need my account reopen so I can restore my buying power. Those agent that I spoke to were very unprofessional with me and they need to become aware of their actions. I need an apology at minimum. I need my credit reopened, Ive lost my buying power and I need it. My account was closed because of an inaccurate credit report I have no delinquent payment in my credit history. Ive had this account since XXXX had XXXX line of credit now its gone like if someone stole from me. As a consumer its unfair treatment, its unjust for this to happen to and it need to stop

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 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, my credit card was canceled due to fraud. The representative from Visa  asked me if I had just rented a car, which I had not. He said whoever made that charge had all of my information so he needed to cancel my card and send me a new card. 

In XX/XX/XXXX, I received an alert from XXXX XXXX about a negative account under my name. I looked at the account, and it was a collections account under I C System Inc. the original creditor showed up as XXXX XXXX XXXXXXXX in the amount of {$90.00}. XXXX Conducted an investigation, and removed this collections account from my credit report. 

In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX regarding this debt. Saying that they were hired by XXXX  XXXX XXXX to collect a debt of {$90.00}. This was the first letter of any kind that I had received regarding this debt. It was sent to my previous address in which I have not resided in since XX/XX/XXXX. I answered to this letter within the 30 day period stated. I explained my situation and requested more information about this debt and requested proof that this debt is mine. I received a letter back from XXXX XXXX XXXX XXXX in which it stated that my request for debt validation was received, was documented, and was forwarded for processing. It stated that my account with their office was closed and returned. 

At the end of XX/XX/XXXX, I applied for a credit card without realizing that this debt collection was still on my XXXX credit report. This is when I realized that this collections account which is not mine is still there. 

I mailed in my only correspondence that I have ( which is with XXXX XXXX XXXX and XXXX ) about this to XXXX. They replied by asking me to contact the collections company directly. 

I have never received any mail, phone call, e-mail, or any form of communication or bill from XXXX   XXXX XXXX or I C System Inc. I did not know of this debt prior to it appearing on my credit report. I XXXX I C System Inc and looked up their contact form. I did not feel comfortable providing my e-mail, phone number or SSN in their initial online contact form. 

I would like to please have this collections account removed from my credit report since it is not mine and it is a result of fraud on my previous credit card. 

Thank 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 explanation
Consumer complaint received 2019-04-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Although I have had a car loan, which I paid off. and a personal loan Equifax is not reporting them in my credit report which has effected my credit or the ability to receive loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
having a problem with transunion again, i asked them to changed my status from closed to open on my XXXX account because i still have the car to date.it went from transunion to XXXX, now its back to transunion and they are reporting a close account on my credit report and its damaging my score. if they don't correct it, i will take legal actions with them. 

please help me in 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 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Lakeview Loan Services, LLC acquired my loan from the original servicer several years ago. This loan is for an investment property I do not live in. Eighteen, months ago I called Lakeview Loan Services to advise them that I had moved from my old address, XXXX XXXX XXXX, XXXX, Ca. to XXXX XXXX XXXX, XXXX, Ca. XXXX. Upon their request, I had switched to paperless billing, so I do not get statements in the mail. I receive notifications each month that the servicer has received my payments. In the month of XX/XX/2018, Lakeview performed an analysis of my impound account and sent the analysis to my old address, not my email or my new address. The new analysis resulted in a rise of my payment of {$66.00} dollars per month. Because of the shortfall, Lakeview charged me three late payments and reported me to the credit bureau as late 3 months in a row. I have had several mortgages in my life and have never had a late payment ever. During this period Lakeview continued to send me emails verifying my payments were received but never contacting me by email or phone of the problem with my account. Upon applying for a new credit card, I was informed that I had 3 30 day lates on my credit reports, the only lates or unpaid bills I have ever had. I contacted Lakeview immediately and remedied the payments but they refused to reverse the late charges or the negative credit reports. I have appealed this with them but they have not replied. I have also contacted the credit bureaus and filed complaints but to date have had no success. Please help me to remedy this injustice. They failed to up [ date my mailing address, failed to call me. failed to email me of a problem even when they were emailing me every month advising that they received my payments.

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 2019-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: GA

Complaint narrative:
Georgia State Information Legal Status : Prohibited Citation : Ga. Code Ann . 16-17-1 et seq. 

Small Loan Rate Cap ( Industrial Loan Act ) 60 % per year usury cap This company charge way to much interest on their loans. I borrowed {$300.00} on XX/XX/2018 and have since payed that sum back plus more. 

XXXX XXXX XXXX XXXX is a law firm out of California that is investigating this company. This is what was said about XXXX from this law firm, " XXXX is an internet payday/installment lender that is issuing loans with interest rates that well exceed Californias limits. XXXX tries to avoid following Californias interest rate limits by purporting to be affiliated with a XXXX XXXX XXXX, even though our investigation indicates the XXXX does not control nor operate the lender. We believe this is wrong '' ( Cited from : XXXX XXXX XXXX ). 

I can't continue to pay the {$59.00} every 2 weeks that are ACH out of my paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: CA

Complaint narrative:
We state for the record to Experian, XXXX, & XXXX of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval.

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 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America credit card that offered a promotion for a zero percent balance transfer. I took the transfer and paid every month until it was paid off. In the final month of the promotional period, I made the last payment two days before the promotional period expired. However, that same month, I made some purchases using the same credit card. I came to find out that Bank of America charged me interest on the new purchases immediately, without the customary grace period of 30-days, and applied only a small portion of my aforementioned payment ( to pay off the balance transfer ) towards the promotional amount and the rest was applied towards the new purchases. By doing this, Bank of America charged me interest on the new charges ( even though they were not even due ) and on the initial promotional transfer that I thought was being paid off based on the billing statement due. In looking at the banks statement, a person would not know that the payment made to pay off the entire balance, would, in fact, pay a small portion of the promotional balance ( triggering an interest charge ) and accruing additional interest charges on new purchase immediately upon such charges being posted. It is completely misleading. 

Although my charges were minimal, I feel that this is a fraudulent scheme by the Bank and wanted to bring it to the attention of the authorities. On a large scale, this scheme generates the bank income by hiding their policy regarding promotional balance transfers and new purchases and the way they charge interest and apply payments.

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 2019-04-12 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: MO

Complaint narrative:
XX/XX/2019, I discovered that XXXX XXXX, an negative account has been reinserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item. I did not receive any such notification. 
Please delete this account ( XXXX XXXX ) immediately. 

Your Cooperation Is Appreciated.

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 2019-04-12 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: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot. 
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional compensation on XX/XX/2019 ). 
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us. 
Hyundai Motor Finance, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us. 
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or Hyundai Motor Finance and sought recovery through insurance once the claim was accepted. 
We spoke with Hyundai Motor Finance ( XXXX ) on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway. 
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing. 
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by Hyundai Motor Finance in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We state for the record to XXXX, Transunion, & XXXX of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval.

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 2019-04-12 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: CA

Complaint narrative:
We state for the record to XXXX, XXXX, & Equifax of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Credit Bureau ; I have been trying to dispute items on my report that are dated wrong and should have been removed long ago! They have been removed from both other credit bureaus! I try to file disputes and they are ignored! Its my understanding that I am to file a complaint here as a last resort before suing! 
1. XXXX XXXX XXXX XXXX AMOUNT {$3900.00} This account was in XX/XX/XXXX it shows payment for 2 years which is incorrect. The original charge off date was XX/XX/XXXX. It has been removed from all other agencies but Experian refuses. 
2. XXXX XXXX XXXX Amount {$1200.00} This account was also charged off in XX/XX/XXXX. It and all of the collections have expired and are removed. The dates are wrong! It also has been removed from BOTH other credit bureaus! 
3. XXXX XXXX XXXX XXXX No account number ( probably because its not mine! ) I bought a XXXX XXXX in XX/XX/XXXX I still have it. It was financed at XXXX  XXXX XXXX not XXXX! This is not my account. I dont have any paperwork to show anything BECAUSE ITS NOT MINE! 
And once again the dates should be XX/XX/XXXX because that is how long I have been fighting this! 
This one as well has been removed from both other bureaus! Experian refuses to remove it! 
XXXX XXXX removed it in XX/XX/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 non-monetary relief
Consumer complaint received 2019-04-12 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: VA

Complaint narrative:
Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX Collections {$2300.00}.

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 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX XXXX {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: VA

Complaint narrative:
Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX XXXX   {$2300.00}.

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