vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 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: GA

Complaint narrative:
I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX,  XXXX. XXXX  XXXX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, 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 2019-07-05 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: GA

Complaint narrative:
I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: IN

Complaint narrative:
In 2017, KeyBank told XXXX XXXX about a check I wrote to KeyBank, the check cleared so I don't know what is wrong with KeyBank my Funds come from : SSI, XXXX, XXXX  XXXX, and XXXX  Pension.this is my INCOME, I wrote KeyBank a check and it cleared

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I'm too respectfully decline your decision regarding amazon card card that obtained under my name that insist i used ( XXXX ). I went online look your application there is no place asking for mothers maiden name that you could verify I only know. the rest information was obtained my account was use as well like i notified to make payment i never noticed. when i noticed i notified the bank but the told i wont recover the loss and i closed the account. All information has been obtained by him i go to university in the morning and work in the afternoon till night time. I ; m not home to check mail box before him or recived any mail without him looking at it first.

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 2019-07-05 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: BANCO POPULAR DE PUERTO RICO
State: WA

Complaint narrative:
On XX/XX/2019 I made a {$20.00} purchase with the credit card in issue, which I have had for the past 10 years and have always paid on time ( as shown on my credit score ).

I submitted the payment of {$20.00} to this credit card on XX/XX/2019 ( 5 Days later ) to return my balance to {$0.00}. But for some reason my payment got rejected, and the bank NEVER notified me of this incident! Not a single email or phone call or text message saying " Your payment got rejected, please verify and try again ''. 2 months passed and the bank never notified me of this incident. 

The only way I found out was when I received an email notifying me that my credit card score had been affected by XXXX points because I didn't make this payment of {$20.00} on time. 

I proceeded to call the bank and they explained that the payment got rejected because when I created the " payment information '' I used the wrong routing number. Which is unbelievable since I use the same checking account to pay the other credit cards within the same bank that issued this credit card! 

Again, I use the same checking account to make successful payments to the other credit cards within the same bank, but for this {$20.00} charge, my bank information is invalid, my payment rejected, I was not alerted of any of this, and my credit score goes down XXXX points. Unbelievable!

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 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a targeted offer from Bank of America within their online banking site in the " special offers & deals '' section for opening up an Advantage Plus checking account and received {$300.00} for " Set up and receive qualifying direct deposits totaling {$4000.00} or more within the first 90 days of opening your new checking account ''. I completed the requirements and the term says the bonus would be paid out within 60 days. It's been past the 60 day period and it has yet to be paid out. Multiple contacts to Bank of America, the reps simply stated it would post but never did.

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 2019-07-05 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
My Amazon Corporate Card has {$380.00} in unapplied credits that I called as required to get applied to my balance of {$690.00} and Amazon representative could not find credits in the system although they were never applied. 


XXXX XXXX from Amazon only showed in her system older credits of {$280.00} applied from previous statements but had no idea why they were not properly showing the {$380.00} credits in the system. Someone had manipulated the system & transferred my credits without applying to my account. 


I went to CEO of Synchrony Bank after going through corporate office as XXXX XXXX also did not apply over {$200.00} credits to my account properly and when I ask for date and invoice number 6 times would not provide. 

I suspect fraud in the corporate account section of Synchrony Bank and the way they apply credits leaves the door open for an accounts specialist to apply one persons credits to another account with no one being the wiser as it is not applied by transaction to zero out the debit by the credit. They can apply credit dollars against any transaction with any date & any dollar amount with no record required of doing so. Something is very wrong -- please see my bill attached which clearly shows credits that were never applied & now somehow disappeared.

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 2019-07-05 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: FL

Complaint narrative:
Applied online in early XX/XX/XXXX for a personal line of credit. Also applied at other banks for a personal line of credit. In just a couple of days there was {$40000.00} in my XXXX XXXX checking account! I immediately went to my XXXX XXXX branch to staighten this out, as I never authorized {$40000.00} to be deposited into my bank account. I ended up going with another financing source and NOT with XXXX XXXX. Then I started to get monthly bills for interest starting in XX/XX/XXXX. I contacted XXXX again. These bills kept coming each month through early-mid XXXX. Turns out that XXXX was reporting derogatory non-payment info to the credit bureaus all these months! I kept getting told that everything will be corrected and that the bank made an error. This went on for approximately 22 months and I am still trying to get the XXXX line of credit history removed from all 3 credit bureaus. As to today, XXXX, XXXX has not cleaned up my credit report. I call and follow up constantly and I was told that WF is in the right. Also on XXXX, I found out that I was a victim of the XXXX fraud event that XXXX employees perpetuated ... .why did it take so long to notify me? WF is not cooperating with me to clear up the fraudulent line of credit history on my credit reports.

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 2019-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
On XX/XX/2019, I received a letter from Dynamic Recovery Solutions, regarding a supposed debt from XXXX XXXX XXXX XXXX, which was sent originally to XXXX XXXX XXXX, XXXX, and there was never any sort of contact received about this alleged debt. When I called, the person at DRS refused to give me the information of a contact person at the supposed original Creditor, in order to dispute the validity of this claim. I am sending a cease contact letter to DRS but wanted to report unfair  debt reporting and contact- as the original debt is allegedly from XXXX more than 9 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
This company is trying to collect on a debt that is more than 10 years old. The original debt was from XXXX, I haven't had an account with them in years. The companies name is Source Receivables Management XXXX XXXX XXXX XXXX North Carolina XXXX XXXX. They put this account on my credit stating an open account XX/XX/2018 with a balance of {$580.00}. I got this information from off my credit report. I need to know the original charge off date and amount from XXXX and account number. I believe they no longer have this information because its too old. I believe this is a company that tries to collect on old debt than 7 years old which is illegal. I called the phone number listed for this company its not a good number. I found another number for them tired to call they were closed XXXX. I want this removed from my credit report and these people fined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Coinbase, a cryptocurrency exchange, made several unauthorized withdrawals from my checking account, totaling {$850.00} on XX/XX/2019. If this action is repeated in XXXX, it may drain my checking account and/or result in overdraft fees. Please assist me with this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/ asking them to report my credit history accurately. I received a letter dated XX/XX/ stating that they were reporting the information accurately. 

I have written, XXXX, TransUnion and XXXX   asking that the missing information be reported. I have only heard back from TransUnion which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is 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 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/XXXXasking them to report my credit history accurately. I received a letter dated XX/XX/XXXXstating that they were reporting the information accurately. 

I have written, Equifax, XXXX  and XXXX  asking that the missing information be reported. I have only heard back from XXXX which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: Lending Club Corp
State: AZ

Complaint narrative:
i fell behind. the lender wrote off the debt. they show that on my credit report. It then sold the debt and I am currently making payments. those payments are not reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters in to Experian, contacted them via phone, and faxed them over request to remove addresses from my credit report that I've never had any association with. They have responded that a creditor has given them this information, when requesting documentation that they received from creditor acknowledging they gave them this address, Experian has failed to provide 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 non-monetary relief
Consumer complaint received 2019-07-05 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2019 I closed my line of credit account with Regions bank. I have been I. Touch to settle the account also. I did a dispute with credit bureaus because I the consumer closed this account they will not report to the credit bureaus I closed this account. I have Wrote and called still this account is not reporting as closed by the consumer. I want the account closed as I ask them and report it correctly to the 3 bureaus. 
I also wrote to settle the account they are asking me for my tax returns and I have provided them my income from my employer I work part time now and wanted to settle this account. They said I need to provide my taxes return I file jointly with my husband I dont deel his information needs to be in there possession. Please help me get this account closed dating back to XX/XX/XXXXwhen I requested to close 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 2019-07-05 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I recently found out that a Citibank student loan was a " private '' loan that i had received while attending XXXX University. I was led to believe that all the students loans from that period were NOT private loans. When the loans were consolidated -- it was discovered that the Citibank loans were indeed private loans. 

I contacted Citibank and discovered that the loans were housed in their collection unit. I spoke with someone on the phone and asked for him to delivery to me of the original instrument of indebtedness in its original form. On XX/XX/2019, I received communication with the following information : application, promissory note, and disclosure statement. 

CitiBanks keeps re-aging these accounts to reflect current parameters and, upgrading to reflect negative information on my credit file. There is no Original Date of Delinquency listed on any of the credit files. 

I have sent communication to the three credit bureaus to delete unverified and inaccurate information, And, I have sent communication to Citibank, directly.

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 2019-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL

Complaint narrative:
hello, since you responded to my last complaint that my loan is no longer with you - then that means that obviously at one point is was.

therefore, i am requesting AGAIN for any and all documentation you have regarding said loan. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: DE

Complaint narrative:
I had a loan with LoanDepot for my townhome. It was sold to XXXX XXXX. I never received notification that the loan was sold. I placed a payment with Loan Depot on XXXX and assumed that the payment had gone through. When it did not clear my bank, I checked again. Now it won't let me pay because it says that my loan was sold. I do not have any information from XXXX XXXX such as a loan number, nor a mailing address. It took 3 tries to get a correct phone number and I have been on hold now for 27 minutes. I am afraid of missing the XXXX payment. I'm never late with my payments. This is very worrisome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
After completing my course and paying on my loan for 13 years they refused to release my cosigner. The school I attended at the time has gone out of business so I was unable to get a copy of my completion certificate. I lost my original and tried to get another only to discover the school had gone out of business. I have been paying on this loan for 13 yrs, what difference does if make if I completed the course? Whether I completed it or not, I am still obligated to repay the loan. Not having a certificate saying I completed the course does not justify not releasing a cosigner after 13 yrs of payments. I just found out one of the Navient law suits is about cosigner releases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX ( Original Creditor : 11 XXXX ) 142

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Just look on my account with all of my credit score information and one the companies gave me this website to report everything

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