vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A debt collector by the name of XXXX XXXX contacted my father more than once about a debt that was mine and not his. He talked to him in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Mr XXXX violated FDCPA by repeatedly disclosing information to my parents about the debt, including the name of the creditor, account open dates and account balance without having authorization to speak to them. My mother also talked to Mr. XXXX on XX/XX/XXXX and he shared details about the debt with her as well. 

After receiving the contact information for him, I called on XX/XX/XXXX and XX/XX/XXXX. I first spoke with Mr. XXXX, on XX/XX/XXXX and requested a copy of the validation notice which he said was sent on XX/XX/XXXX and he refused to send a copy of the letter. He claimed it would be considered harassment to send the letter again. This makes no sense to me if Im requesting proof that this is not a scam. In an effort to verify this information, I called Synchrony Bank and spoke with XXXX at XXXX XXXX XXXX and she told me the account was closed on XX/XX/XXXX. I did not receive anything to provide details about what was happening but obviously this did not align with what Mr XXXX said earlier. 

He also implied that there is an attorney involved, and would not provide who the client that he was calling on behalf of, and demanded the total of {$4400.00} be paid by XX/XX/XXXX, and later offered a lower amount if I agreed to pay immediately. 
I told him I did not have that much and offered {$400.00} a month to pay on the account and he stated the client wouldnt accept the offer of payment and would not provide contact details of him or his client. He also mentioned that my wages could be garnished for the amount of the debt and legal fees, even though I still haven't received any information about the debt at this time. 
He most recently left a message on XX/XX/XXXX saying they are going to begin employment verification. I saved this message and can forward it if necessary. He is saying this will be done even though I have not received any correspondence on this matter in any capacity about this debt.

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 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I reached to Bank of America, a few times to let them know that they sold the account to a collections agency. Despite, me paying the monthly balance with XXXX XXXX  of this card it is still being negatively reflected on my credit report with Bank Of America. Attached is a copy of the debt on my Credit Report.

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 2020-01-03 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: MI

Complaint narrative:
XXXX  refuse to send me any document bearing my signature

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 2020-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have been in touch with Navient for the past 3 months regarding a private loan ( XXXX XXXX  ) that was included in my bankruptcy in XXXX ( at the time it was a XXXX XXXX   XXXX private loan ) this loan fell behind in XXXX and we are currently in XXXX well past the Michigan statute of limitations. I am constantly told that this private loan is unable to be discharged and that the statute of limitation doesn't apply ... how is this? Also the school that I attended ( XXXX College ) when this loan was initiated is now closed down and they are saying they have no knowledge of the closure. I am attempting to purchase a home and this private loan is showing on my navient account as past due which is preventing me from obtaining a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX, Ohio XXXX Cell : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX, Chairman, President and CEO Huntington Bank XXXX XXXX FL XXXX XXXX, Ohio XXXX Dear XXXX XXXX XXXX, I sent you the enclosed 2 letters but my issue with Huntington Bank remains an open issue. I have been speaking with XXXX XXXX of Huntington Bank with no resolution to my problem. XXXX XXXX  phone number is XXXX. I want to know the name of the Huntington Representative that calls on XXXX XXXX XXXX. The dealership gave me a 5 year loan on a car loan that I didnt need and didnt want. I didnt qualify for the loan because I am a retiree and I had two homes that I owed were foreclosed. I was scammed and charged thousands more for the XXXX XXXX XXXX and your company approved the loan. I received several notifications from other Banks that I wasnt approved for a car loan. My last car that I had my Mother had to sign for because of my bad credit when I lost 2 homes. That loan was made thru XXXX XXXX. Since XX/XX/XXXX, I have paid {$25000.00} for this car which was only worth {$22000.00}. The car is only worth about {$17000.00} at this time. Since your company makes loans why dont you make the appraisal on this car? Huntington Bank believes I still owe over {$5000.00}! 



I would not have bad credit if I didnt loss {$650000.00} when 2 of my homes were foreclosed. This was because I was scam by a nonprofit XXXX that stole over {>= $1,000,000} from the VA and didnt pay me any rent that they owed to me and they didnt exercise the purchase of the home after they received all this money from the government. They were allowed to write me over {$300000.00} in bad checks and then they were allowed to steal my home from me. Please contact XXXX XXXX, Ohio Attorney General so he can prosecute all these people who scammed me, a retiree. 



Huntington Bank was also scam when you spent {>= $1,000,000} for the naming rights of XXXX XXXX XXXX. XXXX  XXXX XXXX has most of the conventions. XXXX is one of the worse cities for a convention. 85 other cities in the United States rank higher than XXXX for conventions. The XXXX XXXX XXXX that has your names attached to it is a ghost town with no conventions. If you want me to represent you and try to get Huntington Bank a large refund from XXXX County who scammed you I am willing to do this for you for a small commission. 



Looking forward to hearing from you regarding my requests. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint over some unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX  XXXX via XXXX XXXX, XXXX XXXX  XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX I do not have any of these financial products and I do not wish to have a account with these companies please delete them they are errors and I never signed any documents.

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 2020-01-03 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
ChexSystems continues to report incorrect information regarding various accounts that have been settled or paid-in-full. This reporting has impacted my ability to obtain credit or checking. 

I have attempted to correct this with the agency numerous times.

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 2020-01-03 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC

Complaint narrative:
I rented an apartment at XXXX XXXX in XXXX, NC from the end of XX/XX/XXXX. I paid my rent on time every month until I was evicted XX/XX/XXXX because my XXXX old daughter had a fight with a so called friend. I can't recall if I paid a deposit before moving in but I cleaned the apartment before I left. No damages. Months later I started receiving phone calls from a rude representative XXXX at iq data international. I asked for a statement of these bogus charges of {$690.00}. I asked why I never knew about any charges before collections. I never get answers. I can barely speak. I don't want any derogatory accounts on my reports but they make it hard to get it taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2019, I was scammed by an individual named XXXX XXXX on Venmo. I contacted Venmo about the scam and requested that they investigate. Venmo stated that they do not have any protections for people that pay for services via its app. I sent Venmo a screenshot of its User Agreement, which stated that if a person receives payment from an unauthorized servicer, they will refund the money and investigate, but Venmo is refusing to investigate. I believe if Venmo is going to handle funds of its users, it should have protections available. 

I even disconnected my debit account from Venmo prior to the funds being drawn, but Venmo still took the funds from my checking account. The total amount removed from my account was {$640.00}, XXXX refunded me only {$200.00}, but I am still missing the remaining balance. 

Venmo needs to establish consumer protections, issue a refund, and establish repercussions for individuals that operate an unauthorized business from its payment system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft.

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 2020-01-03 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft.

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 2020-01-03 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: Innovis
State: OH

Complaint narrative:
I am filing a complaint over some unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX  XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   via XXXX XXXX XXXX, XXXX I do not have any of these financial products and I do not wish to have a account with these companies please delete them they are errors and I never signed any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I have a hard enquiry on my credit report as Below : Institution Information : Mb Fin Svcs XXXX XXXX, MI XXXX ( XXXX ) XXXX I tried to call the above number, called Mercedes Financial Services and also called the Corporate. They took all my information but have lost my application. I am no more interested in the application, but i see a hard inquiry on my credit score which was irrelevant. I called multiple times to the Dealership, XXXX, XXXX XXXX but everyone kept transferring me to other lines. Mercedes services has caused me a lot of pain in this process. They lost my details, Information and on top gave a remark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against Equifax Credit Bureau. I have been in dispute with them regarding an open mortgage account with XXXX XXXX that should be closed. I have had over 20 phone conversations with representatives, tier 1 supervisors and tier 2 supervisors. I have even been on hold for an hour and 4 minutes with no response. I had  to call from another line while on hold to explain my frustration. I have been on the phone with Equifax almost every-day since XX/XX/2019. I am furious because this account was reported to all bureaus on XX/XX/2019. XXXX and XXXX   updated the accounts on XXXX XXXX and XX/XX/2019. How can these bureaus report the account correctly and Equifax still have it open. 
I was also told to reach out to XXXX so that they could send information over to them. I did reach out to XXXX. XXXX sent me a letter documenting that the account had been paid in full and that credit bureaus had been notified of this change in XX/XX/2019.  XXXX sent me the letter and I faxed the letter over to Equifax. 
I have been told to fax information over so that they could correct this account. I was told that if I faxed over my documents they would correct this immediately. I spent {$29.00} to fax them information to the fax numbers they told me to fax the information to and I was later told they should not have told me that information.The fax numbers that I was given are XXXX and XXXX. 
I have enclosed the letter that XXXX finance sent me and have also enclosed the official copy of the deed from the XXXX County Courthouse. This deed was transferred over to XXXX XXXX, the company who the home was sold to. 
I am simply asking that the account be closed. This has continued to negatively affect my credit. I found out about the discrepancy while in the process of trying to close on another home. Because Equifax has refused to close the account, I lost money on a home that was under contract and was unable to complete the purchase of the home due to Equifax reporting the account as open. I am furious because my credit continues to suffer and I lost the potential of owning another home. I am asking, no begging for some kind of assistance with this issue. I should not be in a situation where an account is paid in full and the credit bureau is refusing to correct the account. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: PNC Bank N.A.
State: CA

Complaint narrative:
So I was put under as an authorized user on a credit card so I can build a relationship with. I applied for credit service to help boost the overall score. After doing so the account was closed and dropped my score down, but now it says on XXXX XXXX that the '' authorized user '' is responsible for the account. That was not part of the deal, that original user of the card used {$11000.00} out of the {$15000.00} and left it without making any futher payments. It is going for 3 months since they have made a payment. I have tired to to get in contact and no one wants to answer me. The account was under PNC Credit and again they have not tired to help me out with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
I have requested debt validation of two accounts being collected by ARS NATIONAL SERVICES INC. After sending a certified letter requesting this debt collector to validate the debt, they did not respond with sufficient documentation or information to satisfy my request, as is my right under the Fair Credit Reporting Act ( FCRA ) and the California Rosenthal Fair Debt Collection Practices Act. 

Instead, I received a generic " Cardmember Agreement '' without my name, signature, or any other identifying information. ARS NATIONAL SERVICES INC. later sent me two aged account statements that are significantly lower than the balances being reported to the credit reporting agencies. I do not know who ARS NATIONAL SERVICES INC. is, and I do not recall entering a binding loan agreement with this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ( SPS XXXX ) is in violation of the CFPB guidelines where they must review 37 days or more prior to a scheduled foreclosure sale. The bank is making up guidelines as they go and are not following the CFPB 37 day rules and regulations. 

Here is a summary of what happened : Short sale file was submitted with a sale date about 42 days away. After back and forth communication with SPS the short sale was closed out on and we were told the investor wanted 45 days prior to a sale date to review for a short sale. We called investor and they said if its over 37 days they will review for a short sale. 

SPS is making up their own rules as they go and this is unfair to me and many other customers. 

Currently SPS won't review for my short sale. I am doing a short sale to save my credit and leave my home with dignity and to do the right thing. The offer is 95 % of the bank 's current appraised value. There is no reason SPS should be doing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: PA

Complaint narrative:
On XX/XX/XXXX I disputed XXXX XXXX XXXX in regards to a collection account that " DOES NOT BELONG TO ME. '' I disputed XXXX XXXX XXXX On XX/XX/XXXX, which I have a right to do and I am fully aware of my rights. The letter to them was mailed out on XX/XX/XXXX, sent via certified mail with return receipt. The letter was delivered to them on XX/XX/XXXX at XXXX XXXX in XXXX, Ga. XXXX. I received an email with proof of Equifax receiving my dispute on Friday and starting the process on XX/XX/XXXX. " According to the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ), the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' It is now XX/XX/XXXX and way over 30 days, which means this must be deleted immediately. I have not received a response or nothing in the mail. They are not responding via mail or over the phone about anything. They are acting as if I never contacted them. I sent everything via certified mail. I also have proof of a call log of me calling them. I called on XX/XX/XXXX to make sure the letter was received. I called twice on XX/XX/XXXX, one time at XXXX XXXX and the second time at XXXX XXXX because it was 30 days and no response. I was told call back in 30 minutes to 1  hour because the systems were being updated both times. I called again on XX/XX/XXXX at XXXX XXXX and was told the same thing that the " systems are being updated. '' All of the times I called I asked for names and ID numbers for proof and they refused. I have proof of everything stated in this response. It has been over 30 days, they are in violation of Fair Credit Reporting Act 611. This item must be deleted immediately.

Company response to consumer: Closed with explanation