vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
Huntington Bank has been asked several times to correct my credit report about missed payment,XX/XX/XXXX and balance.. They have done nothing to correct this.. I have made all payments since XX/XX/XXXX of XXXX on the second Wednesday of each month..Have gone through XXXX twice to get it corrected.. They also have my car listed as being in Chapter XXXX on payment plan and that info is not true..
Thank you for any help you can give to get this fixed
XXXX XXXX
XXXX XXXX XXXX XXXX.
XXXX,Ky. XXXX
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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:
The Credit Bureaus are reporting erroneous information on my credit file

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 2019-08-17 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:
The Credit Bureaus are reporting erroneous information on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
- I have dispute several times with XXXX  my account already closed in XXXX. I still keep disputing this with XXXX, but it has been demonstrated the account was paid in full, and the last dispute with XXXX  is showing that information. However, they keep showing in the remarks it was paid less than full balance.Attached doc.- From my loan with XXXX XXXX, I'm missing at least one payment in my transunion report. This payment was done and reported by the company.Attached doc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have filed identity theft on this account and submitted to the Federal Trade Commission and this debt collector CITI Bank has accepted the documentation from FTC and assured me this account was erased from my credit report. This account is not mine and it has NOT been removed from my credit report has promised by CITI Bank Card.

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 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
After several disputes with BBVA Compass, the company keeps this account like a charge off when this is being a bank error, possible by accident. 
After a time out of USA when I came back, I found this late payment, which never was reported to me or I never got the information. I paid the amount, {$17.00}, and called the bank to complain about this issue. After several calls, disputes, letter, lawyers, I finally got the statements of the card thanks to CFPB, as until I didn't open a dispute through here, the bank never sent the requested information, even I advise my contact and addresses several times. 
In the statement is possible see the late payment, as it is possible to see the account was in autopay. The account for the autopay was an account in the same bank which always had enough money to pay possible small payments coming over in case I didn't realise. 
It looks like the bank couldnt get the amount to the account, an account from the same bank for some reason I have never knew. 
The bill that cause the missed payment, from XXXX, for some reason they charged this payment into this card instead the card was set from the country I was living at that moment. The rest of the payment days before and after, were correctly done to the correct card. Still waiting for explanations. 
It is clear there wasn't never intention of not to pay as I was cautious leaving money and the account opened, just in case, and there was an error or problem into the bank about this. 
I have attached the statements for the credit card and the statement from the bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to get my credit reports from XXXX  from all 3 credit bureaus, Equifax, XXXX  and XXXX. However, Equifax failed to deliver on the report online while the other 2 succeeded. I became worried owing to the not so favorable security track record from Equifax and called their customer service on several occasions. According to all of them, it is out of their hands and did no acknowledged there was a problem. When asked about if any other party in Equifax that I can speak to to resolve the obvious technical issue, they simply responded that there was no such entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
i have tried numerous times to tell them that i was a victim of identity theft and they still arent removing the collection my spouse passed away and my finances are not doing great im needing to move homes but due to that collection they are denying my application if you can please help me out thank you, my contact number is XXXX and email is XXXX the collection account im talking about is XXXX XXXX no knowledge of it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
1. Lowe's company offed to me store credit card  and i had $XXXX store credit.And they offered me to buy stuff and 6 months no interest.
2.Right after I purchased some stuff from Lowe's,Then I had financial difficult to pay same credit card 
3.I paid first month payment.I notice second month statement added interest.I went to store and ask why.They said My credit card need to pay interest.They ignored me and keep added interest.
4.They added unfair interest and monthly payment , I spoke with lowe's credit card company regarding my situation.
5.Finally they gave me offer interest fee $XXXX  flat monthly payment.But they denied to discard interest they already added.(I disagreed about those interest)
6.Right after i paid few months together in advance (ex; Once i go to lowes i paid $XXXX etc). And i call to credit card company i paid by phone some payments as well.
7.I ever never ever any statement from lowes credit card.
8. Last week when i check my credit score and it show i missed payment my credit card and by credit card balance still same as beginning amount.
9.They did not subtract when i made payment.
10.And they credit score showing i missed payment
11.I never missed payment , I already paid in advance few month together
12.I called them but they ignore me, Could you please help me fix this issue.

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 2019-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: IA

Complaint narrative:
This complaint concerns XXXX XXXX. I paid them even when I did not believe I owed them any money. I even received an e-mail saying my account was paid. When I called them about the collection. They told me it was a $XXXX late fee the computer generated. They did not bill me until the fee had increased. Each time I called them they said they would take care of it. That was false as is this collection.They manage their billing system very carelessly. This has been removed from XXXX XXXX and XXXX. I need it removed from XXXX. Sincerely,XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I used Paypal to pay for an item i ordered but according to XXXX, despite being sent to the right city, the package was delivered to a completely different address and name than my own. I have contacted the vendor and received no response and have filed 3 claims with Paypal but my claims continue to be rejected because the vendor allegedly had provided proof of shipment, despite me attaching the XXXX document with proof of the wrong delivery address in the claim. This process of filing claims has been extremely involved and unnecessarily time consuming as every time i have attempted to file a claim I have been on the phone for no less than an hour. Additionally, the Paypal representatives are clueless and have told me every time that there was something wrong with the previous dispute and that this time it would be solved. Because neither the vendor nor Paypal has satisfied my needs, I have resorted to writing this complaint in hopes that I will receive the refund that is due to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: MA

Complaint narrative:
I don't know why XXXX  is being so abusive to me pertaining to a business account I set up when I was working in Colorado.  However, after making six payments to my plan, the monthly charges increased by 150%, and the plan just was no longer affordable.  Then to try to add an additional XXXX  collection fee is a violation of the Fair Debt Collection Practices Act.  The collection agency known as McCarthy, Burgess & Wolff is way out of bounds on this excessive charge, then to send an offer of XXXX  stating a 30% settlement is usurious.  This collection is abusive and should be reported by the Consumer Financial Protection Bureau to the Federal Trade Commission.  XXXX  shows no shame on how low they will operate as a publicly traded corporation abusing American consumers.  I believe the public service commission for both Colorado and Massachusetts should be made aware of this abusive collection process.  XXXX  will be challenged on every violation made under state and federal laws.  Accordingly, since XXXX  ran up such an outrageous invoice when they could have immediately cut off service, I offer a one time settlement of XXXX  to settle this account permanently.  This settlement will be made by certified funds on XX/XX/2019, and will be made to the debt collector posted.  I will take this to the Office of Attorney General Commonwealth of Massachusetts if this cannot be settled quickly and professionally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
1. Applied and was approved for American Express Platinum credit card on or about XX/XX/20192. Promotional offer (screenshot attached) was XXXX Amex membership points upon spending $XXXX within 3 months of opening card subject to various caveats (see terms and conditions).3. I met the spending condition and have not received the points. 4. It is important to note that during the application process, there was an eligibility check for the promotion and I was NOT told that I was not eligible.5. This is for account ending in XXXX (XXXX XXXX)

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: HI

Complaint narrative:
On XX/XX/XXXX I received a notice from Synergetic Communications saying they were collecting on a debt I owed. They mentioned a XXXX XXXX and. XXXX  XXXX XXXX XXXX. It said that I owed $XXXX  but would accept $XXXX if I paid now.I never had business with either of those companies. It is unnerving to get this kind of letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
- I have dispute several times with Transunion my account already closed in XXXX. I still keep disputing this with XXXX, but it has been demonstrated the account was paid in full, and the last dispute with Transunion is showing that information. However, they keep showing in the remarks it was paid less than full balance. Attached doc. - From my loan with XXXX company, I'm missing at least one payment in my transunion report. This payment was done and reported by the company. Attached doc.

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 2019-08-17 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: AES/PHEAA
State: FL

Complaint narrative:
XX/XX/2015 I submitted my application for a repayment program I was previous apart of with Fed Loans Servicing. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XX/XX/XXXX through XX/XX/XXXX. The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered Fed Loans Servicing had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450  and I felt like my life was ruined because I was trying to buy a house at the time. Fed Loans Servicing never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX   dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX dollars per month. I never expected Fed Loans Servicing to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
OnXX/XX/2017 I paid $XXXX toward my vehicle lease to Mazda Capital Services; however, they refuse to report this to the credit bureaus.  The amount of          $XXXX is still being reflected despite my numerous attempts to have this resolved.           I do receive a monthly statement from them indicating a negative balance.  Their refusal to correct this matter has put me in a higher debt to income ratio and it's preventing me from obtaining a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 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: AZ

Complaint narrative:
Equifax: Shows a address as my Current Residence and I've never lived there? The other two (2) Credit Bureaus have the Correct Address! I'm afraid my information may have been impacted due to Hack of Equifax or XXXX XXXX. I had two (2) accounts with XXXX XXXX, One (1) which I never used with a XXXXcredit limit. Someone obviously had access to my information. The account described was eventually stolen and Charged XXXX? XXXX XXXX has cleared the account but my credit scores have suffered. Equifax has me jumping through hoops to get MY CURRENT ADDRESS changed on their records! What if they do a mailing with more of my information, to the WRONG address?I am XXXX  years old and my credit is vital me. I'll appreciate any direction you may offer. ( I'm not very good at composing business these days, hope this makes sense to you.) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: HI

Complaint narrative:
On XXXX XXXX  I received a notice from XXXX   XXXX saying they were collecting on a debt I owed. They mentioned a Usi Solutions and. XXXX   XXXX  XXXX  XXXX. It said that I owed $XXXX but would accept $XXXX if I paid now.I never had business with either of those companies. It is unnerving to get this kind of letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've reached out to Experian and this company no matter how many times I call, or police reports I file, will not remove these items from my report that don't even have my social!They are putting items from another person with another social on my report. They are putting another name, and addresses on my report as negatives.The accounts are not mine. The social doesn't match nor the name!Yet it's still in my file.I've paid them for their so called monitoring. I've spent hours on the phone and also sent a certified letter.Any and all accounts without the name Thomas Pizer are not my accounts.My social ends in XXXX  not this other number. I've sent them a certified notorized letter asking for the signed contracts for these accounts and nothing. No response. They also refuse to allow me to freeze my credit file.

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 2019-08-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Reverse Mortgage Solutions, Inc.
State: LA

Complaint narrative:
Legal Staff of Reverse Mortgage Solutions:

PLEASE STOP FORECLOSING ON MY HOME
WE HAVE A SIGNED REPAYMENT AGREEMENT AND 
YOU HAVE BEEN ACCEPTING MY PAYMENTS

Your company sure expedited foreclosure (SEIZURE NOTICE DATEXX/XX/2019 #XXXX) on my home of 20 years, simply because my signature was not notarized.  According to RMS, this is a HUD requirement, which you did notify me, was now required on every document because my signing hand is XXXX.

I am a XXXX year old woman.  RMS's Legal Staff unreasonable and unexplained delay to issue a stop foreclosure letter, given that I am in compliance with all terms of my reverse mortgage, is causing me EXTREME XXXX XXXX which at my age is practically elder abuse.

According to staff of the local law enforcement foreclosure jurisdiction,RMS legal staff has,for some unknown reason, not issued a letter directing them to cease the foreclosure process to sell my home.

Why not?

I am now in full compliance.

Three weeks ago, I have sent, by USPS Certified mail, RMS the NOTARIZED payment agreement for the flood insurance premium with payments due.   RMS
has cashed the check for the payments due for the month of XX/XX/2019 and XX/XX/2019

RMS's  delay in issuing the letter to the Sheriff of XXXX XXXX Foreclosure office is not only unethical and unprofessional, it is cruelly causing me, a XXXX  year old woman, extreme emotional distress. 

Please issue the letter to put a stop on the foreclosure sale of my home.

I realize that RMS, is located in another state, and so this lack of action potentially  involves interstate legal issues that may also need to be addressed if you continue to refuse to do your job; and don't stop trying to sell my house out from under me when I have been in full compliance with your requirements for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: VT

Complaint narrative:
A collection agency listed a debt on my credit report. In early XX/XX/2019I asked for information in writing regarding this debt. It has been six weeks so far and I have not heard from them. I want this debt taken off of my credit report but I need to know what it is and if it's even true but there's nothing I can do if nobody will contact me. This should not be allowed to happen.

Company response to consumer: Closed with explanation