vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with XXXX. 

I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. 

Furthermore the account is full of inaccuracies reporting to my bureaus. 
The account claims to be " closed/charged off ''. That means sold to someone else. So why is it remaining on my credit reports. 
Secondly the amount claimed owed is incorrect. 
Third ... .how do you owe any amount on a charged off account? 

I've attached in this complaint a copy of my Experian credit report showing false information. And a copy of the cease and desist letter sent to the company 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 2019-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with Skopos. I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. Nor any documentation on instructions for redeeming the vehicle. Furthermore the account is full of inaccuracies reporting to my bureaus. The account claims to be " open ''. But this vehicle has been repossessed and sold at auction since mid XXXX, yet it is still reporting negatively on my bureau reports monthly. 
Also it says last payment date on XXXX of XXXX, XXXX XXXX. How can that be when the vehicle was repossessed in mid XXXX? 
Thirdly it shows as a joint account. With who? That is wrong. I have never had a joint account with anyone. 
Fourthly ... XXXX reports the account as being " open '' with {$0.00} total balance and {$0.00} past due. 
But XXXX has the account as " open '' with a {$6800.00} total balance and {$3900.00} past due. How can the same account be showing different information and amounts? 
This shows that this account may be possible ID Theft or fraud. 
So why is it remaining on my credit reports to this date. I've attached in this complaint a copy of my XXXX & XXXX  credit reports showing false information. And a copy of the cease and desist letter sent to the company directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc
State: IN

Complaint narrative:
Received prequalification letter in mail. Applied for a HELOC. Received adverse action notice on XX/XX/18 ( denied due to collateral value ). 

Figure never sent a copy of the XXXX or other valuation used to value the property as required by Reg B. Its been more than 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I was told that I owe a Payday loan that I never had. I called the company and they said they have no record of it. I called the number on the letter to the collector and the said it is for {$1200.00}. I never took out this loan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
Credit Corp Solutions has broken numerous state and federal laws in attempt to collect a debt. 
First - I am a Massachusetts resident. Credit Corp is NOT licensed to collect a debt on a Massachusetts resident. 
Second - I have sent two requests for validation of debt ( XX/XX/2019 and XX/XX/2019 ). Under federal law they had 30 days from the date of receipt to provide validation. They failed to reply whatsoever within the federally mandated time frame. 
Third - In XX/XX/2019 I sent a 93A Demand notice informing them of their failure to obtain licensing, illegal reporting ( listing their own name on a MA consumer credit report in violation of 209 CMR 18.17 : Unfair Practices ( 11 ) and 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices ( 15 ) and ( 21 ) ) and failure to provide validation of their claim. They ignored this notice, no reply or correspondence has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: NJ

Complaint narrative:
I leased a vehicle from Volkswagen in XX/XX/XXXX, and purchased an Excess Wear policy from Volkswagen at the same time. 

When returned the vehicle in XX/XX/XXXX Volkswagen failed to apply my final lease payment to my account. They also applied {$270.00} of excess wear fees to my account instead of claiming those from the policy they sold me, and they refused to provide me with documentation I needed to make that claim myself. 

In XX/XX/XXXX they referred my account to a collection agency, with the final lease payment ( that I already made ) still uncredited and with the {$270.00} excess wear still uncredited. In XX/XX/XXXX they finally corrected the final lease payment, 8 months after I paid it. But the account was already in collections, and at the same time they introduced a new payment that they had never before billed me fore. In XX/XX/XXXX they finally mailed me the documents needed for making a claim on the Excess Wear policy. 

My demand now is that Volkswagen Credit recall my account from the debt collection agency, recall any reports of overdue or delinquent payments from any credit reporting agencies to whom they have reported this, issue a written apology to me for their inept and malicious handling of my account, and if they believe I still owe them something, deal with me directly in a constructive and responsive manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
I was told that I owe a Payday loan that I never had. I called the company and they said they have no record of it. I called the number on the letter to the collector and the said it is for {$1200.00}. I never took out this loan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Thank you for taking my complaint. This complaint is about a Barclaycard that is co-branded as a XXXX XXXX Visa card. 

On XX/XX/XXXX, I received an email credit card offer from XXXX that said I could earn up to XXXX bonus points if I opened a XXXX XXXX   card. I would need to apply by XX/XX/XXXX. If accepted I would receive XXXX points if I charged {$1000.00} in the first 90 days and XXXX points with an additional {$2000.00} charged within 180 days. 

I applied for the card in XX/XX/XXXX and was accepted. I met the first requirement and received the XXXX bonus points. I then met the second requirement but never received the XXXX points  as advertised. 

I can provide you with the details if required but, in summary, numerous emails and phone calls over several months to both XXXX and Barclay 's did not resolve the missing points issue. This resulted with me receiving a letter from Barclays indicating I needed to call them to provide additional details in an attempt to resolve the issue. 

I called Barclays customer service on XX/XX/XXXX. The first line customer service employee, while very pleasant, was unable to help me. I requested to speak to a supervisor. The supervisor ( " XXXX '', again a pleasant person ) was able to confirm that I had met the terms of the offer as required. However, XXXX indicated that in order for me to receive the additional XXXX points I  needed to apply for the card on XX/XX/XXXX, and the offer was only valid on this day. 

Needless to say I was shocked at this bait and switch. Months of frustration resulted in me immediately cancelling the credit card and I informed XXXX that I would be filing a complaint with the CFPB. She cancelled the card as I requested and I'm filing this complaint. 

I never received my points and I may be losing the points I earned. I will never do any business with Barclays and I will be informing XXXX XXXX of the poor customer service from their partners.

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 2019-05-14 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: GreenSky, LLC
State: MI

Complaint narrative:
I paid off and closed this account with Greensky XXXX XXXX  on XX/XX/2019. 

They have YET to report to the Credit Bureaus that my account is PAID AND CLOSED. 

I have contacted Greensky 5 different times : Home Improvement : XXXX Patient Solutions : XXXX Retail & E-Commerce : XXXX Monday - Saturday XXXX - XXXX ET Sunday XXXX - XXXX ET XXXX They assured me that on XX/XX/2019 the credit reports would be notified the account was paid and closed. This has NOT HAPPENED. Today is XX/XX/2019 I have disputed this with XXXX  twice and XXXX  three different times. XXXX I have provided the letter stating the account is closed and has a XXXX balance and they still state that after contacting Greensky the account information reflected on my report will remain. 

This has negatively affected the rate I will receive on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
i paid this debt a month ago and they refuse to remove it from my credit report

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im reaching out to Consumer Financial Protection Bureau for help with an ongoing dispute that I have been disputing with Experian since XX/XX/XXXX. I have an inaccurate collection on my credit report from XXXX in the amount of {$930.00} in which XXXX XXXX XXXX concluded the investigation per my request concluding that I was not responsible for the account and submitted for deletion in XXXX of XXXX and the collection still remains on my credit report. 

In previous efforts that I have attempted in contacting XXXX about their response they have stated that the removal request was submitted and that I will need to follow up with Experian as to why I have submitted the necessary documents in an attempt to have this resolved. 

Experian keeps stating that XXXX has validated the debt and doesn't provide any information regarding their validation. I have also disputed this account with XXXX  and they also conducted an investigation and removed the collection account from my XXXX  report. 

I feel that it's a bit odd that not all credit bureaus are on the same page with each other and I really feel that Experian is not doing their due diligence in having the consumers best interest. I have submitted the results from XXXX to Experian showing that XXXX   has removed the debt from my credit file and they seem to have disregarded that information submitted. 

I appreciate any help that CFPB can provide in this matter. 

With Regards, 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 2019-05-14 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: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have sent numerous debt validation notices to XXXX XXXX XXXX they say I owe XXXX, I never received a response back from the creditor. As per the ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

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 2019-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
To my knowledge, I was never late on my XXXX auto lease with account number XXXX. But I realized that I was reported as being 30 days past due twice on XX/XX/XXXX and XX/XX/XXXX which can't be true. I have had this account since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge, I have always made 100 % positive payment history and have even tried to pay way before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello on XX/XX/2019 I went into Kohl 's XXXX in XXXX, Michigan XXXX and spend {$290.00} on clothes and on XX/XX/2019 I saw that the items that I purchase were on sale for lower amount so I went to Customer Service to ask if they could give me a PRICE ADJUSTMENT and the associate did give me one for {$90.00} which she said that they would credit my CHARGE CARD FOR. And I said fine cause I did not want any cash money back so yes credit my Kohl 's Credit Card. Well I check my statement account and notice that I got a {$19.00} credit back on my card and I don't know where that came from for the date XX/XX/2019 and mine you I did not return anything back or nothing like that. So I called Kohl 's Charge Card on XX/XX/2019 and talked with a XXXX who said that she see that it is pending and that her Manager is looking into it and will call me back within 24 hours and don't I try to handle it myself and go back to the store cause they will get back in touch with me. So I said okay fine, I will wait. I called back on XXXX XXXX and talked with a XXXX who transfer me to a XXXX  who was no help, who transfer me to a XXXX who was talking down to me and I said Ma I am trying to get this matter taken care of I help a receipt which said my card is to be credit {$90.00} and I don't see it and I see a return credit of {$19.00} and I DID NOT RETURN ANYTHING PERIOD BUT I DID BY MORE THINGS WHICH COST ME {$190.00} SO I NEED TO FINE OUT WHAT HAPPEN AND WHERE DID THIS {$19.00} COME FROM? BECAUSE I DID NOT SEE ANYBODY ELSE NOR DID ANYONE SEND ME ANYTHING TO EXPLAIN THIS TO ME. I AM A CUSTOMER, WHAT IS GOING ON?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 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: EQUIFAX, INC.
State: OK

Complaint narrative:
The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XXXX XXXX  XX/XX/XXXX All was unauthorized hard inquiries by law hard inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Since BMO Harris rolled out its new online banking system recently, the bank is deducting funds from my account for checks sent through / by BillPay days before the biller receives and deposits/cashes the checks. The three most recent examples are below. The biller in this case is XXXX XXXX XXXX. In addition, BMO Harris no longer includes a hyperlink next to the debit entry ( online banking ) so that I may be able to review a scanned copy of the cleared check received by the biller. Finally, the FAQ webpage of BMO Harris, in the BillPay section states that funds will not be deducted from my account until the check is cashed. However, this is fraudulent. Most recent examples : Received By date set as XX/XX/2019, {$300.00} ; not received/cashed/posted until XX/XX/2019. Received by Date set as XX/XX/2019, {$300.00} ; not received/cashed/posted until XX/XX/2019. Received by Date set as XX/XX/2019, {$2300.00} ; not yet received/cashed/posted as of XX/XX/2019. 

Since my initial complaint, the company quickly sent an email notice of a change in terms on XX/XX/2019 to the Digital Banking Agreement, in which it describes a " Corporate Check '' as a new ( and now third ) option the bank in its sole discretion may choose to use at any time ( separate from and distinct from the generally accepted practice of a paper check and an electronic transfer ). When the bank in its sole discretion chooses to use a " Corporate Check '' to pay a bill, under the new terms ( set to take effect on XX/XX/2019 ), the customer has no course of action if funds are not received by the biller ( received / cashed / posted ), until at least 90 days have passed. In the meantime, BMO Harris deducts the funds from your account on the " estimated received by '' date. It is only after 90 days have passed that they will begin the process of review in order to possibly credit back the funds to your account if the funds are not received by the biller, by that time. This unreasonable delay is unacceptable, to any degree, when funds are being withdrawn from an account and essentially seized with no available remedy to the owner of the funds, and with no manner of transparency to trace the funds, or verify when the check was mailed, received by the biller, or cashed - and with no manner to review a scanned copy of the cleared check afterwards.

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 2019-05-14 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: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Diversified Consultants have placed a fraudulent collection account on my credit report. I have never heard of this company nor interacted with this company at any timing. I submitted written notification to this company through certified mail in XX/XX/2019 to request written proof on the debt that was claimed on my report. I received no follow up communication nor legal proof of the debt reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: MRS BPO, LLC
State: PA

Complaint narrative:
i checked my credit today and found MRS associates is still reporting a debt from XXXX that is not owed. I want the trade line deleted immediately. i tried to submit a dispute through XXXX website for this item and several more but the system caused an error when i clicked submit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have freezes on all my credit reports. While attempting to purchase a vehicle yesterday, I called Equifax and spoke with an agent to get a temporary lift of the freeze. I spent 20 minutes on the phone with the man. He kept asking the same question 7 or 8 times about credit cards. I gave him the required information on the current cards but he kept asking about old cards, maybe 10 or 15 years old. How am I supposed to answer questions that long ago? I provided all the details about current cards, yet he insisted he could not verify my identity. He did not ask for past employers, past addresses or any other type of information that would have been relevant. Because I did not remember a store credit card from 15 years ago, he did not onlock my credit. This is MY credit information, yet I was denied access to it. Even the car dealer says they don't like dealing with Equifax. I was able to finally get it unlocked through the online website. XXXX  was quite easy to get unlocked. It is really a poor decision for banks to rely so much on Equifax.

Company response to consumer: Closed with explanation