vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: TN

Complaint narrative:
I received a bill from Meridian Financial services for a timeshare owned by my ex-wife and I. In the divorce decree It states we are both responsible for half of the fees until it can be deeded back. The bill was for {$1000.00} and was received on XX/XX/18 and XX/XX/18, I paid my half, {$500.00} on XX/XX/18 after consulting with my attorney and included a copy of the divorce papers as proof along with a letter stating our business is concluded. I also stated that the other half of the debt is my ex-wifes responsibility and to contact her to get it, all by mail. 
On XX/XX/18 I get an email notification from my credit reporting agency that a debt with the high balance of {$720.00} was listed on my credit report and {$500.00} balance left over by Meridian Financial services. That's a difference of XXXX. Not only is Meridian wrong on the amount I owed they are also wrong in the amount I've paid them. 
It's interesting to me that the amount I supposedly owe equals the other half of the total 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 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Reported XX/XX/2018 Amount : {$21.00} XXXX XXXX reported that my account was delinquent without notifying me of upcoming payment due date. I don't use that account for anything and only use of pride sharing like XXXX or XXXX but I have both of my bank accounts linked to to my XXXX for automatic deduction from my actual funds. I do not use the XXXX  XXXX account but I believe XXXX mistakenly deducted my XXXX  ride from the credit account this time. This was falsely reported and has now made me have a negative impact on my credit score. I will be submitting proof that all of ride sharing is deducted from my linked bank accounts to XXXX and NOT XXXX XXXX as well as proof of the erroneous charge to the XXXX XXXX. I am also attaching proof from my credit report of the delinquent notice issued. I have since paid the balance of the XXXX   XXXX but my credit score is still severely impacted.

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 2018-09-10 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: FL

Complaint narrative:
I have paid in full the amount owed to XXXX but they report the account charged off closed also they have an limit of {$3500.00} it was never more than {$39.00} dollars I paid it and they responded by saying they got the payment but contact the person they sold it too

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This company I C System Inc keeps trying to collect an alleged debt XXXX XXXX XXXX XXXX that is not mine. I have multiple times reached out to them and XXXX and they continue to report on my credit an item that is not mine.

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 2018-09-10 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: PA

Complaint narrative:
I sent a letter on XX/XX/18 requesting XXXX XXXX XXXX XXXX to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.

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 2018-09-10 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: PA

Complaint narrative:
I sent a letter on XX/XX/18 requesting XXXX XXXX XXXX XXXX to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: PA

Complaint narrative:
I sent a letter on XX/XX/18 requesting XXXX XXXX XXXX XXXX to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.

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 2018-09-10 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: NY

Complaint narrative:
TRANSUNION IS REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. 
WHEN THEY REMOVED THE FRAUDULENT ADDRESS THEY SHOULD HAVE REMOVED THE FRAUDULENT ACCOUNTS. 
THEY HAVE BEEN NOTIFIED SEVERAL TIMES ABOUT THE FRAUDULENT ACCOUNT. THEY WERE NOTIFIED BY CERTIFIED MAIL WITH RETURN RECIEPT AND BY REGULAR MAIL AS WELL AS SEVERAL DOCU, MENTED PHONE CALLS. 
I WILL USE THIS IN MY DEFENCE WHEN I FILE MY LAWSUITE AGAINST TRANSUNION. All they do is simply verifiy an account, THAT IS NOT CONSIDERED A PROPER INVESTIGATION. I WOULD LIKE NAMES AND PHONE NUMBERS ON EVERYONE THEY SPOKE TO TO VERFY THIS FRAUD ACCOUNT. PLEASE REMOVE THIS FROM MY CREDIT REPORT ASAP. 
( XXXX XXXX XXXX Closed : XX/XX/2018 )

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 2018-09-10 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: TX

Complaint narrative:
Incorrect phone numbers appear on my account.

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 2018-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a credit card through Bank of America. I rarely use it ( perhaps 2-3 times per year ) and I would close it, however, due to the way credit scores are factored, due to the fact that it is my oldest credit card, closing it would be detrimental to my credit history. 

This morning I was made aware of a late payment to this credit card, apparently, I have a toll pass setup to auto reload on this credit card. In XXXX it appears as though this toll pass reloaded and was charged to the BOA credit card, I wasn't aware of this. Fast forward to today ( XX/XX/2018 ), I get an e-mail that says " We have lowered your credit limit ''. They lowered it from {$25000.00} to {$500.00}. I checked my credit report and the account is marked as delinquent. My issue is that I have received NO PHONE CALL, NO LETTER and NO E-MAIL PRIOR TO THIS. I have never missed a payment on any account ever in my life, if BOA looked at the account history they will see this. They will also see that I rarely use this card. Due to BOA failure to report a delinquent account and instead forward this only to the credit bureaus, my credit score has dropped nearly 70 points.

I explored how this could have happened, as I have all accounts setup to autopay. Bank of America does not offer an auto payment of a full account balance on their website. Instead all they offer is for me to setup an auto payment of an arbitrary amount every month. This is absurd, every other account in my name ( credit card, cable, utility and so on ) has the ability setup auto payments every month to pay my account balance in full. Bank of America does not.

To summarize, there are two factors where I believe Bank of America is at fault for this detrimental credit report that is now in my history ( which was FLAWLESS u
p to this point ).

1- Failure to notify me of a late payment ( phone, text, physical mail or e-mail ) 2- Lack of technology to allow me to setup an automatic payment every month to pay my balance in full All of this due to a {$40.00} balance, which will surely cost me much more in the future when I use credit products ( via higher interest rates ).

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 2018-09-10 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: Meridian Financial Services, Inc.
State: UT

Complaint narrative:
Meridian Financial Services is reporting inaccurate information. I have been disputing it and it is still not fixed. The timeshare deed was transferred and sold, it is not ours anymore it was paid! 
The bureaus are not getting valid verification and XXXX XXXX is NOT valid verification! 
This is erroneous and affecting my financing. 
The next correspondence is going to be from my attorney.

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 2018-09-10 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
My identity was stolen. Someone attempted to get credit in my name through XXXX XXXX. It showed on my credit report. They have not deleted the inquiry.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I filed a chargeback for my XXXX credit card for a merchant that split my purchase into two charges and then did not deliver what I ordered. I contacted Barclays about the problem and began a dispute. They sent me a letter asking for more information and I sent them the information they requested. Less than a week later, giving no time for mailing, they said we havent heard back so we are closing your dispute. I again responsed with the information they requested and they have not continued the dispute, They have made it impossible to get my money back and screwed up the chargeback and now I want them to refund me.

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 2018-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP
State: IN

Complaint narrative:
In response to your CFPB statement, I am very much aware that mortgages are bought and sold regularly. I have owned 5 different properties and have never been subject to the abhorrent and reprehensible treatment associated with Selene Finance much less one that has the poor reputation as Selene Finance. 
As a XXXX XXXX Veteran there is no reason I should be subject to such deplorable actions. I served and sacrificed for this country, The actions of this company will not be tolerated. There are consequences for your actions. Any decisions about me should include me. Consumers do not currently have a voice to avoid predatory companies like Selene Finance acquiring their mortgages. If there were qualifiers and a vetting process similar to that which is required to obtain the mortgage to begin with, I am certain companies that take advantage of consumers including Selene Finance would not be able to qualify. With 200 class action Lawsuits, 2 in my state of Indiana alone, 120 million registered complaints here on the CFPB, D rated company according to BBB it is evident to see the malfeasance. The following websites were created to inform others of the true scams behind Selene Finance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Short of the investment company owners lining the pockets of the politicians it is unbelievable why a regulatory agency as not yet stepped in to stop this company from ruining people 's lives. In partnership with others affected by this company, I will make it my end goal to draw as much attention to expose the predatory methods and malfeasance from this deplorable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
On XX/XX/2018 I received a letter from JH Portfolio Debt Equities , LLC ( hereinafter Collector ). There was a misrepresentation of the type of debt specifically they called it a " loan ''. On XX/XX/2018 I faxed and mailed a dispute letter demanding validation of the debt. On or about XX/XX/2018 I received collectors documents pursuant to the demand for verification. Collector failed to validate the debt according to the XXXX standard found in XXXX v. XXXX, XXXX which requires a detailed accounting of the account. I had a credit limit of {$500.00} on this account and they simply show a starting balance of {$690.00}. I asked that they detail the amount shown and provide the information that would reach this amount. The dates of the account closing and this amount to not make sense. They failed to validate accordingly. In a letter dated XX/XX/2018 I informed collector they have failed to verify the debt. To date XX/XX/2018 they have not responded to that demand. Accordingly, they have failed to validate the debt, they reported it to the credit bureaus without indicating it was in dispute and they reported it BEFORE the validation period expired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My identity was stolen. Someone attempted to get credit in my name through XXXX XXXX. It showed on my credit report. They have not deleted the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
XXXX XXXX calls all morning, noon, evening and night, and they refuse to stop calling. Their calls are interfering with my employment, and I can not drive down the street without them calling. They are very aggressive. I blocked the numbers that they call from, and they will call from a different number. They are stalking, and harassing me, and refuse to stop the calls. They know I am blocking their calls. Which is why they call from a different number.

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 2018-09-10 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: CA

Complaint narrative:
Today I received an email from " Equifax '' dated " XX/XX/2018. '' It inaccurately stated that my " ( Federal ) Student Loan '' as " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Student Loan Center
State: GA

Complaint narrative:
I was told that my student loan would be forgiven and that the balance would be forgiven by at least 50 percent. I was told that the 1st 5 payments goes to the company for admin fees and that the {$40.00} a month would go towards my student loans. I found out today that this is untrue and the payments go directly to the company and nothing goes towards my student loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In XX/XX/XXXX, I took out an auto loan through TD Bank for aXX/XX/XXXX XXXX XXXX XXXX. In XX/XX/XXXX, with less than {$2500.00} owed, I had to file Chapter XXXX  bankruptcy because TD Bank refused to work out a payment plan on the remaining balance. That Bankruptcy was discharged and in XX/XX/XXXX, I filed for Ch-XXXX  Bankruptcy to obtain a payment plan to payoff the TD Autoloan as they refused to restructure or give me any type of affordable payment plan. My Ch-XXXX was completed in XX/XX/XXXX and I was issued a final report showing that TD received the balance in full of their claim. I have been trying for 2 years to have TD Bank release the title to my vehicle to which they have vehemently refused. I have spoken to managers, customer service people, branch staff and at this point am considering legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
These events been happening for the last two years. Misrepresentation of forbearance of student loan, release of cosigner, when payments are on time the student loan balance does not go down, and refusal of the reduction of payment on the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information. I have been disputing it and it is still not fixed. The timeshare deed was transferred and sold, it is not ours anymore it was paid! 
The bureaus are not getting valid verification and XXXX XXXX is NOT valid verification! 
This is erroneous and affecting my financing. 
The next correspondence is going to be from my attorney.

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 2018-09-10 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information. I have been disputing it and it is still not fixed. The timeshare deed was transferred and sold, it is not ours anymore it was paid! 
The bureaus are not getting valid verification and XXXX XXXX is NOT valid verification! 
This is erroneous and affecting my financing. 
The next correspondence is going to be from my attorney.

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 2018-09-10 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: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
Original Loan balance inXX/XX/XXXX was {$220000.00} ; In reviewing XXXX report, balance is indicated, as of XX/XX/XXXX as {$220000.00} - how does the loan balance go up??

I called The Money Source and XXXX  was unable to assist. I was promised a return call but have received same responses before that never happened.

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