vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I traded my car in on XX/XX/2019 with zero intentions of doing so. The first thing I told the sales person was that I was looking to get all information possible before I made a decision on buying. I never mentioned leasing because I was not familiar with it. I was told they would give me top money of XXXX XXXX  XXXX  for my car, and they ended up giving me a little over half. In the process I felt manipulated by the idea of leasing, and because I was compressed on time, they went over everything quickly making it sound like it was a great deal, made me lie about my monthly income so I could qualify, also mentioned the car was fully covered under a lease agreement and extra warrantys would not be needed which was not true. I make less than 20,000 a year and now Im stuck with a {$480.00} car payment because they pressured me into making a decision they knew I couldnt afford. Not to mention, they gave me way below the value cost on my old car. They also lied about making my first month payment, when in reality they took it out of my car trade in money with a {$960.00} left over after I reviewed the lease agreement. I have tried to get the deal refinanced but they keep telling me its not possible. I would hate to keep dragging this longer and take further actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed XXXX XXXX a letter dated XX/XX/2019 demanding that they update incorrect reporting to all three credit reporting agencies. XXXX XXXX mailed me a response dated XX/XX/2019 requesting information from me which I had previously mailed in my complaint.

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 2019-12-02 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: CA

Complaint narrative:
I mailed XXXX XXXX a letter dated XX/XX/2019 demanding that they update incorrect reporting to all three credit reporting agencies. XXXX XXXX mailed me a response dated XX/XX/2019 requesting information from me which I had previously mailed in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: CA

Complaint narrative:
I mailed XXXX XXXX a letter dated XX/XX/2019 demanding that they update incorrect reporting to all three credit reporting agencies. XXXX XXXX mailed me a response dated XX/XX/2019 requesting information from me which I had previously mailed in my complaint.

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 2019-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
" NEW ISSUE '' Police report XXXX attached. FOLLOW THE LAW AND DELETE REPORTING. YOUR BREAKING THE LAW. MARKING THIS COMPLAINT AS A DUPLICATE WILL SHOW FURTHER SHOW BARCLAYS WILLFUL NONCOMPLIANCE. 

BOTH POLICE OFFICERS STATED TO KEEP SEEKING YOUR COOPERATION. 

Detective XXXX XXXX or Detective XXXX XXXX XXXX XXXX XXXX Police 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 2019-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX of 2018 a new account was placed on my credit report by Portfolio recovery, llc stating that I owe the {$1400.00} as they are trying to acquire this amount on behalf of XXXX XXXX XXXX. Prior to this another company tried this same tactic as at that time I was unaware that my identity was stole and used to obtain a credit card from XXXX  XXXX XXXX, immediately on receiving this I sought professional help and was advised to dispute this account ( which I did and the account was removed within 30 days of the dispute ) and file for identity theft. Now I have been back and forth with Portfolio Recovery in a plethora of letters trying to dispute this account which was fraudulently acquired in my name, they have been insistent in trying to collect this account and it is damaging my credit which in turn is injuring my chances of applying for future lines of credit, also it has been very costly to be maintaining constant communication via certified mail which cost {$6.00} per letter. I need them to remove this immediately as I have no intentions of paying for an default account which is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I opened a Bright Banking checking account online with BB & T on XX/XX/19 with the promotional code XXXX. This promotion offered a {$250.00} bonus after receiving 2 direct deposits. Despite my fulfilling this requirement the bonus was not paid out. My related inquiry on XX/XX/19 received the response that I had not provided a " valid promotional code '' online. 

In fact, the code in question auto-populated after using a link to the application page.

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 2019-12-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$27000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
- ACCOUNT- 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not 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 2019-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to follow up on a prior CFPB complaint with Kohl 's with Complaint ID XXXX-XXXX. 

In my previous complaint, I had indicated that Kohl 's continues to falsely report a late payment for XX/XX/XXXX on my credit report. In their response, which is attached, they have failed to address my complaints or pay heedance to the facts surrounding my account, or ; the evidence I have repeatedly submitted to them. 

XXXX XXXX starts off her letter with the statement " As it is my intent to provide our customers with quality service ''. Clearly, Kohl 's had demonstrated a low bar for " quality '' service as they continue to damage my credit with false and erroneous information despite repeated attempts to resolve this issue. 

I have never had a late payment with Kohl 's. XXXX XXXX, in her letter says " As stated in our letter dated XX/XX/XXXX, we are unable to locate a Bill Pay payment made on or around XX/XX/XXXX, for {$78.00}. We have requested that you verify with your bank that the correct Kohls credit card account number and payment address were listed on the payment in question. ". I have attached a screenshot of the payment. Kohl 's clearly misplaced the check my bank mailed in. Kohl 's can not continue to damage my credit when it is their responsibility to process payments correctly and promptly. 

XXXX further states " While we were unable to remove the 30-day delinquency reported to the Consumer Reporting Agencies ( CRAs ) for XX/XX/XXXX, we were able to reset the delinquency on your account for XX/XX/XXXX as a courtesy. ". I never had a late payment in XX/XX/XXXX. There is no courtesy or favors being extended here. Fortunately, this was removed from my credit - but not as a courtesy, but because it was a mistake Kohl 's made. 

I have also attached an export of the history of my payments clearly demonstrating their was no late payments in XX/XX/XXXX. 

They must immediately remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax received a valid police report. The Data furnishers are notifying me that Equifax isn't forwarding any police documentation to them for the negative accounts still listed on my credit report. So how are you verifying fraudulent balances on negative accounts from Equifax Confirmation # XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: V and H Portfolio
State: FL

Complaint narrative:
Vance and Huffman LLC said that they would remove my account from my credit report if settled account to XXXX  balance which I did and its still showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I never signed up for Barclays Bank in Delaware credit card but its on my report, I dont have the credit card and I dont have any information about it, I called the company and told them my name and they asked me for my account number, I told them I dont have one and they said they can not help me, so I went on XXXX  XXXX  to dispute and they told XXXX  that the credit report is correct and its staying on my report but when I called them they said I dont have an account so they lied to me and they didnt except the dispute!

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 2019-12-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to follow up on a prior CFPB complaint with XXXX XXXX with Complaint ID XXXX-XXXX. 

In my previous complaint, I had indicated that XXXX XXXX continues to falsely report a late payment for XX/XX/XXXX on my credit report. In their response, which is attached, they have failed to address my complaints or pay heedance to the facts surrounding my account, or ; the evidence I have repeatedly submitted to them. 

XXXX XXXX starts off her letter with the statement " As it is my intent to provide our customers with quality service ''. Clearly, XXXX XXXX had demonstrated a low bar for " quality '' service as they continue to damage my credit with false and erroneous information despite repeated attempts to resolve this issue. 

I have never had a late payment with XXXX XXXX. XXXX XXXX, in her letter says " As stated in our letter dated XX/XX/XXXX, we are unable to locate a Bill Pay payment made on or around XX/XX/XXXX, for {$78.00}. We have requested that you verify with your bank that the correct XXXX credit card account number and payment address were listed on the payment in question. ". I have attached a screenshot of the payment. XXXX XXXX clearly misplaced the check my bank mailed in. XXXX XXXX can not continue to damage my credit when it is their responsibility to process payments correctly and promptly. 

XXXX further states " While we were unable to remove the 30-day delinquency reported to the Consumer Reporting Agencies ( CRAs ) for XX/XX/XXXX, we were able to reset the delinquency on your account for XX/XX/XXXX as a courtesy. ". I never had a late payment in XX/XX/XXXX. There is no courtesy or favors being extended here. Fortunately, this was removed from my credit - but not as a courtesy, but because it was a mistake XXXX XXXX made. 

I have also attached an export of the history of my payments clearly demonstrating their was no late payments in XX/XX/XXXX. 

They must immediately remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
This is a follow up complaint to CFPB complaint ID XXXX. XXXX continues to report this debt on my credit report despite my repeatedly disputing the debt and explaining why this is not owed. I ask politely for this to be corrected immediately.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I am starting this dispute based on my experience with Lexington Law. I had started a monthly subscription with them back in XX/XX/XXXX to repair my credit. Around XX/XX/XXXX is when I officially ended my membership with them due to not seeing much results and felt they were dragging me on. The monthly payment started at {$60.00} and after a year or so it changed to {$30.00} because after trying to cancel it the first time they lowered my monthly to keep me in. Wanting help fixing my credit I opted to stay and pay the lower payment. They would send me notifications or letters claiming they initiated action against some of the companies to remove inquires but never any results. I received these notifications/letters multiple times through the process, nothing ever changing. Eventually I felt I was just throwing money away and canceled everything with them. Upon looking for professional credit help I found out Lexington Law was being accused of sending false information which leads me to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In XX/XX/2019, XXXX XXXX XXXX transferred my Home Equity Line of Credit to Specialized Loan Servicing. I have always had my XXXX XXXX XXXX checking account automatically debited to pay the XXXX XXXX XXXX   HELOC. When they transferred my loan, they stopped the auto debit. I also always pay an additional principal amount on my own to reduce the balance. When they stopped the auto debit, I paid it online, along with the additional principal amount. Specialized Loan Servicing has not credited my account correctly since this loan was transferred. They sent me a statement reflecting the total amount I paid and placed it in a suspense account. I have called numerous time trying to resolve this. They told me to send an email with my issue, plus attach my previous XXXX XXXX XXXX statement. 

I have done this, I keep calling and asking for a supervisor. They place on me hold and nobody comes back on the phone. They were showing me past due one month, now they are showing me past two months. I have paid XXXX, XXXX and XXXX. I was about to pay XXXX today, but they are now reflecting two months past due. This is extremely stressful, as I have never been past due on my mortgage. I also have called XXXX XXXX XXXX, but they say can not assist me, since the loan has been transferred.

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 2019-12-02 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX SSN : XXXX | DOB : XX/XX/1990 Experian XXXX. XXXX   XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  ( Original Creditor : XXXX  ) Account Number : XXXX**** Reason : Unverified account Account Name : XXXX  ( Original Creditor : XXXX ) Account Number : XXXX**** Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, 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 non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: LA

Complaint narrative:
In XXXX I went with my girlfriend to Conn 's to buy 3 items and have them delivered to our new address. I had recieved a letter in the mail and decided to go with Conn 's since they had reached out to me and guaranteed my credit approval. When we got there were greeted by XXXX XXXX and we looked around. There were signs all over the store saying if you bought three Matching brand items you would recieve a 10 % discount. I picked up three matching brand items even going for a more expensive item so I could recieve the 10 % discount. I was told to sit and wait which I did. After 30 minutes I was told I was not approved and would have to go through another company. I told them I had a pre approval letter and an hour later the manager approved it. I sat down and waited another 30 minutes and had other customers go ahead of me. I finally stood at the counter to see what was going on and the manager assistant came up to the front desk and told me to sign at the bottom of an ipad and I could go and when I asked what I was signing I was told I would recieve an email stating everything. So since at this time it was XXXX and I have spent my evening there I signed the bottom. I was not given any paper documents until 3 weeks later in the mail i receieved a payment book with an outrageous amount. Thinking that was because they were charging interest after the two year aggreement I called and was hung up on 5 times! I set the bill up an auto pay and aggreed to the monthly payment until I could get the billing sorted out and not have it show on my credit poorly. When the first payment came due and they were to auto draft ONE monthly payment they withdrew the whole balance of {$3800.00} with all of the interest. When I call them they give me the run around and tell me that they are trying to process my request. They withdrew from my bank account causing me to have money issues since I recently had also lost my job. Conn 's uses deceptive sale tactics and has taken more money from me then I owed. They told me on XX/XX/XXXX I would receive my refund with in 30 days in the mail. When I called back on XX/XX/XXXX to check the status of my refundI was told it had only been 12 business days and they would need more time to even approve it.

Company response to consumer: Closed with monetary relief