vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: TN

Complaint narrative:
1 ) Acting as a 3rd party collector not bonded and licensed to do so in the State of Tennessee. See Exhibit 1 2 ) Car Was a voluntary repo in Colorado XX/XX/XXXX and UCC Code 9-506,9-611,9-612, 9-613 all violated as they intentionally sent the letter notice to sell to an address that terminated in XX/XX/XXXX so we had no chance to rectify the situation. See Exhibit 2 Then they sent distribution letters back to the correct address. Exhibit 3 3 ) The letter was written by me notifying them of UCC code violations. Exhibit 4 4 ) Exhibit 5 Letter from the full of false dates of purchase and from wrong companies. 5 )  Exhibit 6 Standards and poor documentation stating that XXXX XXXX will function separately after the merger backing up the fact that XXXX is functioning as a 3rd party collector and unlicensed to collect in this state. 6 ) exhibit 7 shows a statement pay off letter dated on XX/XX/XXXX for XXXX showing total amount due. yet credit reports show in default over 13k

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 2018-10-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EXPERIAN, XXXX, XXXX FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.

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 2018-10-30 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: DC

Complaint narrative:
Parties Involved : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX, IL XXXX Account Number : provided when requested Date open : XX/XX/XXXX Balance : XXXX Despite several written requests to Equifax, XXXX and XXXX XXXX XXXX, the unverified item listed above remain on my credit report in violation of Federal Law. 
XXXX XXXX XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax and XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified I have contacted XXXX XXXX XXXX multiple times and was inform that my information DID NOT match what they had. Yet my social is tied to an account which I never retain services from and the debt was sold to a debt buyer so they are no longer responsible.I was informed they no longer have the account in dispute YET they still keep reporting as accurate to CRA 's even when requested documentation of validation was sent to them ... .. I receive no response As stated I wrote Equifax and XXXX of their method of verification and I received no response. 

Pleased help me!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient continues to harass me day and night. I tried to explain to them that I lost my job in XXXX and could not pay right now, but they call numerous times per day. So far, today along, XX/XX/18, they have called me 7 times and it's only XXXX. They harass me and my ex-husband who co-signed. I am not getting anywhere with them and they have also over the years never told me that when you did a deferment or forebarance that the interest would stack up. This goes for my private and public loans. My total loans started out at around 80,000 and are now just under 150,000. I even called XXXX XXXX XXXX at one time because the harassment wouldn't stop. I don't know what to do with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: UT

Complaint narrative:
Requested credit report from Equifax. They sent me completely wrong information, ALL belonging to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: MO

Complaint narrative:
I asked Experian to look into getting an error on my credit report removed. They did an invistigation for only 6 days and instead of fixing the error they made it worse and lower my score even more. I am very unhappy with the results, not to even mention the customer service was awful. Trying to get them to reinvestigate was like pulling teeth. I will never recommend using Experian to do anything, that was a joke.

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 2018-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute for an account with XXXX/XXXX The account was closed, charged off and the debt was forgiven. The creditor stopped collecting on the account. The balance is XXXX. I disputed with Experian and requested the balance to be updated. Instead of doing that, they updated the balance to outstanding and reported a charge off as if it had happened in XX/XX/XXXX. That resulted in them dropping my FICO credit score more than 50 points. I called XXXX and I was told the account was closed, charged off since XX/XX/XXXXand they are have not recently reported. The last time they reported was in XX/XX/XXXX. They did not receive requests from Experian. Experian did not do an investigation as they claimed, they did not contact the creditor. I called Experian to explain and their response was to file another dispute and wait another 30 days. I am trying to purchase a home and this 50 point drop has caused me issues with my new loan.

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 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
We have received numerous calls from hp sears ( caller id ) and have not picked up the phone. No messages were left. When I did answer this morning, XX/XX/2018, the person on the line demanded that I 'verify ' my name, phone number, address and date of birth. I told him my name and phone number, since he had that, and refused the other information. I told him we have no debts and were under no obligation to provide personal information to a stranger. He would not provide me the address for hd sears ( which appears to be a collection agency in XXXX, CA ). I finally asked for his home number address and birth information, and he hung up. When I called XXXX XXXX XXXX, the woman on the line demanded the same ( verification ) on the phone. When I told her I was under no obligation to provide information to her and that I had often warned consumers against this as an employee of the XXXX XXXX XXXX XXXX XXXX, she threatened to 'send me a letter '. After I replied something to the effect of 'So, send it. ' she hung up. From comments I have read on various websites, hp sears is an abusive debt collector. Please do all you can to end hp sears ' abusive fishing expeditions. XXXX XXXX, XXXX, ca

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX, TRANSUNION, XXXX FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.

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 2018-10-30 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 — Investigation took more than 30 days
Company: Innovis
State: AR

Complaint narrative:
XXXX, XXXX, INNOVIS FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
I have had a Charles Schwab account for a while and due to my husband 's unemployment, we have had overdrafts - I don't mind paying when there is a legitimate overdraft. However, Charles Schwab routinely holds my deposits and will not release the funds - even well after the funds have been substantiated - and continually charges me overdraft fees. This month alone I have been charged {$150.00} mainly because they will not release the check funds. This is very unfair and one of the checks is written from my very own account so I know that the money has cleared the bank.

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 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
The original balance on this account ( XXXX ) when I was laid off from my job was {$4400.00}. I have paid this amount plus any additional interest and late fees once I went back to work. The account went into collections in XX/XX/XXXX with XXXX XXXX which then became XXXX XXXX. I continued to pay on the account ; however I never received an actual statement from XXXX  listing payments received, interest, etc., I only received an email telling me the payment was due and the balance. The last 'statement ' I received from XXXX was on XX/XX/XXXX and the balance was {$770.00}. I could not find a way to contact anyone to pay the balance in full ( no valid phone number, address, email address on the emailed " statement '' ) eventually a representative called me when the payment was late. I arrange a phone payment with the representative for {$360.00}, the representative agreed to remove the late fees and I promised to pay the remaining {$360.00} in XXXX, XXXX which I did. XXXX then sold the account with a balance of {$640.00} to Portfolio Recovery Associates. When they called me, I told them that the account was paid and a mistake was made but they insisted it was valid. I looked the company up online thinking that this was some kind of a scam, here is a link to what I found https : //www.consumeraffairs.com/finance/portfolio-recovery-associates-llc.html They continued to call me for the money, I believed it was a scam. I sent a letter to them in writing and via email that they were not to call me at work or on my cell phone but they continued to call. I ignored their letters and phone calls ( I did log them ) and now I am getting a letter from an attorneys office, XXXX XXXX XXXX threatening a judgement against me. Portfolio Recovery Associates also reported the debt to the credit bureaus, lowing my credit score that I worked really hard to bring back up and I am now being denied financing that I need for a new roof on my home! I have sent them a letter ( via regular and certified mail ) with the last statement, a copy of the funds sent from my bank, a phone log of all the harassing phone calls, a request that they acknowledge payment was made in full and that they correct the payment history information provided to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 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: CO

Complaint narrative:
In XX/XX/XXXX I tried to rent a house in XXXX XXXX. I have never had issues renting until now. On my credit report there was a car that was charged off in approximately XX/XX/XXXX saying that I now owe over {$10000.00} on. When I reached out to XXXX XXXX XXXX I was told that they have record of me co-signing for a vehicle with my ex wife. I explained to them that it wasn't possible because I was living in XXXX at the time of the purchase which was made in XXXX ( XX/XX/XXXX ). I was then told they would look into it. I was able to rent the house so I thought that the issue had gone away. I checked all 3 credit agencies and saw no derogatory remarks on them. 9 months later I am now trying to buy a house and this same issue came back up. I explained again the situation to XXXX and was then told that in their notes they were supposed to call me back 2 weeks after our initial call but someone never did. I have spent a week sending them documents showing I was not living in the area at the time and my ex wife and I were separated ( our divorce finalized in XX/XX/XXXX ). I am in the United States XXXX so I can not just up and leave whenever I please. I have even filed a report with the FTC Identify theft site and sent them a copy of the report. I have to request leave in order to go out of the state which I never did. With everything I have given them they are now investigating my case 9 months after I originally called. I need this removed from my credit immediately. I recently lost a house I wanted to buy because my loan officer will not push through until this is cleared up. Thank you for any help you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One states that payment was 30 days late in XX/XX/XXXX I never received a statement from the company in XX/XX/XXXX or XX/XX/XXXXCalled Capital One XXXX automated line in XX/XX/XXXX, and the system stated that no payment was due in XX/XX/XXXX Made additional payments in XX/XX/XXXX ( See attachment ) Record clearly shows that payment was received on XXXX XX/XX/XXXX ( See attached ) My wife paid the bill on my behalf, as I was out of town. 
I have never been late with a payment and have been a loyal customer I am a service XXXX XXXX  veteran and request goodwill adjustment, if the evidence provided is not enough to make this request possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: GA

Complaint narrative:
I tried to challenge the credit bureaus the name, address and all info thats relating to a bankruptcy listed on my credit report. I asked them to show me proof on specific information that it was me and how they verified, and they did not.

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 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/18, I opened a Huntington 5 Interest checking account with Huntington Bank via the following link : https : //www.huntington.com/aXXXX. 

The bank advertised a {$300.00} bonus on this site by meeting these conditions : " Start by opening a new Huntington 5 Checking checking account by XX/XX/2018, then make deposits of at least {$2000.00} into your checking account within 60 days of account opening. Your bonus will be deposited into your new checking account within 14 days of meeting the above requirements. '' During account opening, I was asked for a promo code, but the website did not list one or state that such a code was needed for this bonus ( see attached screenshot of webpage ). Thus I did not enter a promo code. 

I was concerned that this bonus may not be attached to my account, so I used the online chat feature on XX/XX/18 to speak to a representative. Representative XXXX told me, " Just by opening the correct account through that promo page should automatically make the account eligible for the bonus. '' ( See attached for complete conversation. ) I then deposited {$2000.00} into the account on XX/XX/18. 

On XX/XX/18, I still had not received the stated bonus, so I again chatted with a representative, XXXX. She told me that a promotion code was required, contrary to what XXXX told me previously. She indicated the following, " We did not know that a flyer was needed until the end of XXXX. It was not something we were told. The site was created just for the flyer and was not made to go viral for the promotion. I will submit a complaint with the chat that has it being stated that as long as it was opened the code would be applied. '' Thus, even the bank representatives did not know that a promo code was needed for this offer, so how was I to know? 

XXXX submitted the complaint for me as referenced above. 

On XX/XX/18, I received a phone call from XXXX, who informed me that the bank reviewed my complaint but refused to honor the promotion because I did not enter a code. I reiterated the fact that no code was stated as required on their own offer page, but she again refused to honor the terms of this bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC credit card XXXX XXXX XXXX this is the cc # i filed a complaint and received a letter from them stating they were refunding my credit and closing the card, i never received the refund and they continue to send statements. i received a letter that you closed the complaint but i want to reopen it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP
State: IN

Complaint narrative:
Selene Finance has given my realtor and myself the go around in order to get a letter stating what is owed on the mortgage. We have had to reschedule our closing on this home twice now. I have called the company every day for the last week, multiple times in a day to get the letter either emailed or faxed to me with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES
State: NC

Complaint narrative:
In XX/XX/2002 I was called by a company stating that they were Greatlakes, ( Greatlakes told me it was not them ), stating that if I paid XXXX dollars that it would be put towards my student loans and paying them of, and from there the loans will go into a forgiveness act that I may go back to school if I needed. I spoke with Greatlakes today and they stated that this was a private company who charged me for paperwork to do what I could do myself which is consolidate my loans. They did not help with the problem, but put me in more debt causing me to pay money that I intended to go directly towards my loan and interests. I don't know what to do from here, but I was given your information stating that you could help 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 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Three accounts of mine were closed without warning. My Citi Forward, Dividend, and AAdvantage cards. I suddenly lost my ability to make purchases, and wasn't even given a chance to use these cards.

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 2018-10-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: AZ

Complaint narrative:
My name is XXXX XXXX My grandmother past away on XX/XX/2017 in are house since then I have been trying to find out about the house. This has been a awful experience found out it's a reverse and they have granted me executive rights to the house it's in the process of being foreclosed and they offered me three options to buy the house outright put it on the market or have it go to auction and I'm refusing it to go to auction and trying to buy it back or do a quick sale in the refusing me to do this because you're saying the time frame is not right I had a realtor with proof of funds of all that and they're denying me the right 35 day process to do a quick sale or even put it on the market a company that purchased XXXX XXXX I would advise everyone to stay away from XXXX XXXX and the company associated that bought them and you seem not to understand because there was an autopsy case it took several months to get legal documentation to do this was not normal circumstances

Company response to consumer: Closed with explanation