vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
We leased a vehicle from GM for a term of 36 months and paid all payments promptly as due. We turned in the vehicle prior to the lease end ( XX/XX/2020 ) to GM. The vehicle was much lower mileage than allowed and it was in outstanding condition. We were told and assumed that our relationship was complete. We got a statement from GM Financial on XX/XX/XXXX, which indicated we owed {$240.00} including {$12.00} Past Due Payment charge. I immediately called GM Financial and offered to pay the invoice, but I asked them to remove the {$19.00} late fee. I called twice, got no offer to remove the late fee and asked to speak to a supervisor. Each time I was placed on hold for over 30 minutes and then hung up on. I also sent a letter explaining and asking the same consideration to GM Financial via fax and email. There was no response. On XX/XX/XXXX we received notice that GM Financial had reported us to the various credit reporting agencies stating that we were delinquent on our a/c. I tried again yesterday ( XX/XX/XXXX ) and today to resolve this matter with GM Financial. I even offered to pay the unwarranted {$12.00} to settle. I asked that they contact the credit reporting agencies to clear the erroneous information. They refused. I know of no further action on my part to resolve this in a satisfactory manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LCO Financial Services, LLC
State: FL

Complaint narrative:
This company has harassed me from day one. I have asked them repeatedly not to contact me at me place of employment l, and they continue to do so on almost a daily basis. They are putting my job at risk. I explained that the number was listed on my loan app only for verification purposes. They are a nuisance. I need for this issue to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
Collection agency Convergent Outsourcing is reporting to my credit report a collection ( XXXX ) that charged off more than 7 years ago, past the statute of limitations for credit reporting.

I have informed Convergent Outsourcing that this collection is older than 7 years and that they must delete it but they have refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Please refer to CFPB Case XXXX CareCredit Rewards Mastercard account ending in XXXX. This case should show a response from XXXX XXXX, Senior Specialist, Corporate Consumer Relations, Synchrony Bank, XXXX XXXX, SD. In Ms. XXXX 's response dated XXXX XXXX, XXXX, she asked me to call her at her 800number and she listed her extension. I have called her four times : Fri. XXXX ; Wed. XX/XX/XXXX ; Tues. XX/XX/XXXX ; and one last time on Fri. XX/XX/XXXX. Each call was answered with the same greeting : " I'm either on the phone or away from my desk ... yadayada ''! I placed each call at different times during the day and left the same request for a return call. I NEVER received a return call or any email response as I asked her to please check her emails ( I left two ) and get back to me. Ms. XXXX claims she has a recording of the telephone conversation of the transaction. I'm requesting to have Ms. XXXX call me and play this recording back to me. She claims the CSR read back the routing and account numbers and there was a missed number. I listened very carefully when that CSR read back the numbers to me and she got them correct. I say she had the numbers correct but input them in their system incorrectly. I want to hear this recording. I think ms. XXXX is being very rude for not returning any of my phone calls or not responding to my two emails. I want to hear that recording!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
During the first week of XX/XX/2020, when I logged into my Bank of America Business Checking account, I noticed a charge for {$880000.00} ( When I called the bank I was alerted that this meant my account was frozen and scheduled to be closed. I was told the process could take a week and the funds would be returned. Every couple days I called Bank of America to discuss the status. I was told on at least 3 different days my account is scheduled to close the following day, and check would be sent out. Well that never happened. Then on XXXX XXXX I called Bank of America to ask for a status of my funds and was told a note on the account said my money will not be returned to me but no reason was listed. I spoke with a supervisor and they sent a note to the back office and told me to call in 24-48 hours of an update. On XXXX XX/XX/2020, I call and speak to a supervisor again, and I'm told there is no update and my funds are still pending held and no reason is given. It's coming up on nearly a month and I need the remaining XXXX in my account to continue operating my company. I was told the bank closed my account as a business decision, that's fine, I want my money back.

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
Consumer complaint received 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/2020 around XXXX XXXX In regrades of my XXXX  credit report, Transunion credit, XXXX  Credit. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying XXXX  {$20.00} a month more to raise my credit score up {$19.00} per month for XXXX. Transunion {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a widow and I work very hard on my credit. Please stop lower my credit points for know reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/2020 around XXXX XXXX In regrades of my XXXX  credit report, XXXX  credit, Equifax Credit. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying XXXX  {$20.00} a month more to raise my credit score up {$19.00} per month for Equifax. XXXX  {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a widow and I work very hard on my credit. Please stop lower my credit points for know reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report was accessed without authorization or permissible purpose that resulted in fraudulent loan by 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 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Home improvement loan XXXX. 
I have signed loan for zero % when I saw statements it showed 6.99 %. So I stop payment and call my windows installer company XXXX in XXXX. They agreed to cancel the loan. I get approved the new loan # XXXX, same company Mosaic.phone # XXXX Now they are sending collections notices. That it is a 2nd loan. Which is not true. Trying ruining my credit. The loan already canceled. 
Please help me. Collection company name is XXXX XXXX XXXX XXXX XXXX AZ XXXX Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a travel insurance on XXXX XXXX, XXXX for {$140.00}, using Chase Credit card # XXXX. 
I cancelled our trip, and XXXX XXXX XXXX issued a refund. However, because this credit card is already closed, Chase bank returned funds back to the merchant bank on XXXX XXXX, XXXX. 
I received a letter from Chase Bank explaining what happened. ( see attached letter from Chase dated XXXX XXXX, XXXX ). 
XXXX XXXX XXXX can not locate refund of {$140.00} because Chase Bank misspelled two names and XXXX XXXX XXXX  could not trace the fecund. 
Chase Bank needs to correct the misspell to read as : 1. XXXX XXXX 2. XXXX XXXX XXXX I would like to see a resolution to this matter and finally get my refund Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: NY

Complaint narrative:
I applied for a mortgage with Better.com ( refinancing existing mortgage I have with another lender ) and was was approved for an interest rate of 2.875 %. A hard credit check was performed and I locked in the rate with a {$550.00} deposit. The underwriting process was started and I uploaded all of the requested documents. After the mortgage company performed the appraisal on my home they informed me that they would increase my interest rate due to the assessed value of the house being lower than they expected. This appraiser valued our house approximately $ XXXX less than the previous appraisal performed 3 years earlier ( we've invested a lot in our house, I don't know why the value would decrease ). 
I canceled my mortgage application and requested a refund. They refused to refund me the {$550.00} and furthermore issued me a declined credit application and sent me an adverse action notice. Now my credit has been hurt and in the future I will have to report that I was declined by a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: FL

Complaint narrative:
There are currently numerous credit cards listed on my credit report that I did not authorize. These accounts were not opened or initiated by me and was a result of identity theft or malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC
State: TX

Complaint narrative:
I have been served a notice by XXXX XXXX, XXXX that they are going to collect {$620.00} from me. They state on their letter they are working on behalf of Orion Portfolio Services , LLC and the former creditor was XXXX XXXX. I have never done business with XXXX XXXX XXXX and am not certain what this is about, but due to the former creditor, I suspect it has to do with my time in XXXX, TX. In the fall of 2012, I worked for the XXXX XXXX XXXX XXXX, XXXX, TX and was assigned housing belonging to the school district. When I left the job in XX/XX/2012, I closed out the accounts associated with the housing, including the utilities. I did this in person in their offices. Later, I was notified by the utility that I owed them several months worth of electric bills for a period of time after I had left the premises and was no longer in the housing. I contacted them and let them know that this was not my debt and the problem was they had multiple addresses for the same houses and had mistakenly assigned this debt from another house to me. The assured me at the time they had cleared it up and I have not heard anything more about this issue until now. It is their responsibility of XXXX and Orion Portfolio Services to verity the accuracy of any efforts to collect a debt before sending out letters such as this. I am notifying the company, in writing, that I dispute this debt and will also notify them that I have filed a formal complaint against them. I have attached a copy of the letter they sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
This debt originated as a medical debt that was incurred by my ex wife utilizing my personal information. 

I settled the balance with the hospital even though it was not my debt but my ex wifes and collect tech will not XXXX out or delete this account. 

I have never signed any of the paperwork I wasnt there when the debt was incurred my ex simply gave the doctor my information and said bill him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been writing in to the bureaus since XXXX of 2020 and have not received ANY responses. 

Here 's a list of the correspondence : XXXX : XX/XX/2020 : Request to remove outdated and inaccurate information. 

XX/XX/2020 : Request to Investigate ( 3 accounts listed with reason for requesting investigation ). 

XX/XX/2020 : Bureau Warning Letter - No responses received XX/XX/2020 : Next round of disputing with 3 letters requesting ( 1 ) description of investigation procedures ( 2 ) all documents contained in their files about those 3 accounts ( 3 ) request to re-investigate. 

I have not received a response to ANY of these requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been writing in to the bureaus since XXXX of 2020 and have not received ANY responses. 

Here 's a list of the correspondence : XXXX : XX/XX/2020 : Request to remove outdated and inaccurate information. 

XX/XX/2020 : Request to Investigate ( 3 accounts listed with reason for requesting investigation ). 

XX/XX/2020 : Bureau Warning Letter - No responses received XX/XX/2020 : Next round of disputing with 3 letters requesting ( 1 ) description of investigation procedures ( 2 ) all documents contained in their files about those 3 accounts ( 3 ) request to re-investigate. 

I have not received a response to ANY of these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The successive, large, and multiple insufficient payments on my card in 2017 were not authorized, not mine, and were not drawn on my bank account. The payments were immediately available for purchase. The payments then bounced, and forced my credit limit to be exceeded. I did not have control of the fraudulent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020, at XXXX XXXX, I received a text message from Bank of America ( BOA ) asking me to verify 3 transactions. Two from XXXX and one from XXXX 's. As requested by the text I responded NO I did not recognize one or more of the transactions ( the two from XXXX ). I also immediately called BOA to inquire about the situation, to inform them that I had not shopped at XXXX, and that I still had my card in my possession and so had no idea how this could have occurred. I explained this was a fraudulent transaction, that I had no idea how such purchases at XXXX could have been made/attempted to be made, that I was happy BOA captured the situation, that I did want to make a fraud claim, and that once the thieves were found I wanted to criminally prosecute them. On XX/XX/2020, they denied my claim. On XX/XX/2020, I filed an appeal pointing out each of the inaccuracies in BOA 's so-called findings and requested a thorough investigation. On XX/XX/2020, I received another form letter from BOA, not addressing any of the issues I raised in my appeal dated XX/XX/XXXX and again finding that the fraud was on my part, that I was being charged the amount of the theft at XXXX and that BOA would be contacting my credit agencies to note its findings. As a 32-year customer of BOA without a single issue during that entire history, I am appalled that they did not take my fraud claim seriously, found me at fault, and failed to provide any proof of an alleged investigation beyond a form letter which says nothing. I thought that fraud units were in place to protect the customer from theft, not to facilitate the theft, and not ruin the financial name of a loyal fiscally responsible customer. All documents are attached for your review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27 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: FL

Complaint narrative:
There are currently numerous credit cards listed on my credit report that I did not authorize. These accounts were not opened or initiated by me and was a result of identity theft or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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:
There are currently numerous credit cards listed on my credit report that I did not authorize. These accounts were not opened or initiated by me and was a result of identity theft or malpractice.

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