vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 non-monetary relief
Consumer complaint received 2018-11-28 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: DC

Complaint narrative:
I have disputed the late payments on XXXX   XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Experian refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-28 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: DC

Complaint narrative:
I have disputed the late payments on XXXX XXXX Transunion refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-28 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account FNB OMAHA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that FNB OMAHA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account PNC BANK which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PNC BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
The collection - NCB Management Service , Inc have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. NCB Management Services is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account PNC BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PNC BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: Millco Management
State: FL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
The collection - XXXX XXXX XXXX XXXX XXXX have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. XXXX XXXX XXXX is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: DISCOVER BANK
State: CA

Complaint narrative:
I spoke with Discover card customer service about fraudulent unauthorized charges on my account from XXXX XXXX  dating back to the last couple years. 

We opened an investigation on XX/XX/2018 and received a letter on XX/XX/2018 saying the investigation was completed and charges were being refunded back to my account. 

On XX/XX/2018 I requested a credit balance check sent to me for the credit on the account. 

Nothing was sent. 

On XX/XX/2018 I called customer service and once again requested the credit on my account be sent via check. The customer service dept promised it would be sent within 14 days. 

Today is XXXX XXXX and still have no received a check and the balance is still sitting there in my account. I just called customer service and they dont have a time frame until sercurity checks are over ... 

It has been 29 days since the investigation was completed in my favor and over 25 days since I requested a credit balance refund check that has not been completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
XXXX hospital of XXXX, CT claims I owe them a dollar amount of {$2800.00}. What you dont know is that I showed them my insurance card during the visit, and I have proof that I had insurance during that time. Once I found out about he debt I called and told them I had insurance they said the can not accept the insurance now. I only found out I had the debt when I checked my credit online. This was a simple visit to the doctors some while ago that happened when I was much younger and aloof, that is now following and dragging me down. Long story short, I do not feel this is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: DISCOVER BANK
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
this account is paid off and the reason was not paid because working with credit to help me pay off all my bills Debt Relief Companies

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 2018-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Dear Sir or Madam, I would like your help to prevent Rushmore Loan Management Services a Debt Collector company from using any dishonest tactics to take my home. They want to change my Monthly payment from {$470.00} to {$510.00} on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from that debt collector that indicated there is a shortage of Mortgage escrow. '' According to them they indicated a projected low point of {$810.00}. " Under the Mortgage contract State or Federal law, the lowest monthly balance should not {$280.00}. '' The difference between the projected low point and the amount required is $ XXXX This is the shortage. '' When I called them I spoke to to Rep. Ms. XXXX ID # XXXX on XX/XX/XXXX I was told the reason my mortgage going up on XX/XX/XXXX is because my hazard Insurance went up to {$1600.00}. My previous Hazard Insurance was {$1400.00}. The difference was only {$220.00}. 
I called the XXXX XXXX to tell them that I was about to drop them because the Insurance went up. They brought down the payment to {$1100.00} They sent me a refund check for {$540.00}. They told me to cash the check and returned my personal check of {$540.00} to The Debt Collector Escrow Department. I faxed to # XXXX a copy of the check from XXXX XXXX and a letter indicated the check for {$540.00} was sent to adjust the Mortgage Escrow shortage, Now my Insurance is lower than last year from {$1400.00} to {$1100.00} which I was paying {$470.00}. I do not trust them because they sent me a letter as written acknowledgment of receipt of my correspondence received by their office on XX/XX/XXXX, XXXX without even mentioning the check of {$540.00} that was sent to them with my letter. They also have not cashed the check and requested 30 days for review. 
Please help me, as a XXXX Year old with a husband that suffers from XXXX I can't not afford my mortgage to go higher because I will not be able to afford it. 
Your help will be greatly appreciated. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: HUNTINGTON NATIONAL BANK, THE
State: NH

Complaint narrative:
I recently discovered Huntington Bank was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did Huntington fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached Huntington on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: NH

Complaint narrative:
I recently discovered XXXX XXXX was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.

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 2018-11-28 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: NH

Complaint narrative:
I recently discovered XXXX XXXX was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 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: NH

Complaint narrative:
I recently discovered XXXX XXXX  was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.

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 2018-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: FL

Complaint narrative:
HAD AN ACCOUNT WITH BB & T BANK, ALL WAS FINE UNTIL I HAD A LITTLE ISSUE WITH SOME TRANSACTIONS THAT WERE BOTH CHARGED TO MY BB & T ACCOUNT AND MY CREDIT CARD FROM AN ALTERNATE BANK BECAUSE I WAS TOLD IT GOT DECLINED AT BB & T.

1 ) CALLED TO DISPUTE THE CHARGES -- TOLD TO SEND IN SUPPORTING DOCUMENTS ALMOST 2 MONTHS AGO. SENT THEM THE DAY REQUESTED BY RESPONDING TO E-MAIL FROM THE DEPARTMENT.

2 ) CALL IN MULTIPLE TIMES TO FOLLOW UP, NEXT THING IS MY ONLINE BANKING GETS TERMINATED BY BB & T, I GET CHARGED OVER 1500 IN FEES TO MY ACCOUNTS WHEN I CAN NOT ACCESS THEM AND I WAS OUT XXXX. 

3 ) CALL AND VISIT BRANCHES MULTIPLE TIMES TO SEE THAT MY ACCOUNTS ARE ACCRUING FEES AND I CANT GET A RESOLUTION. 

4 ) A MONTH LATER I GET SOMEONE WHO '' PLACED BLOCK ON ACCOUNT '' WHO SAYS ALL CLAIMS DENIED FOR NOT SENDING DOCUMENTS IN. NO ONE TOLD ME SHE DIDNT INPUT. I SENT THE DAY REQUESTED. TOLD ME TO WAIT ANOTHER MONTH TO GET CREDIT SHELL RESUBMIT AS I SHOWED HER PROOF E-MAIL WAS SENT A MONTH AGO. 

5 ) RELUCTANTLY CREDITS ME ALL CHARGES AND FEE 'S. AT THIS TIME WHEN I GOT THE CREDIT THEY BLOCK ALL MY ACCOUNTS BECAUSE THEY WANT TO STALL FEE 'S AND CREDITS AND KEEP XXXX IN OVERDRAFT AND SINCE THEY DENIED CLAIM WRONG THEY WILL GET BILLED AND DO NOT WANT TO CREDIT ME. 
6 ) LIED TO TOLD THEY WOULD GIVE ME MY MONEY AND FIX AND UBLOCK. 

7 ) THEY KEEP RUNNING ME AROUND FROM DEPARTMENT TO DEPARTENT AND IT ALL LEADS BACK TO ONE PERSON IN CHARGEBACK DEPT WHO CLAIMS SHE REFUNDED ETC. ITS A SCAM.. 

THEY ARE STEALING MY MONEY AND WASTING TIME. THEY ARE CROOKS. TOLD ME NOW XXXX   TRANSFER IS UNDER INVESTIGATION AND CANT RLS HOLD. MY FIANCE SENT ALL MONIES CLEARED BY HER BANK ... I CALLED XXXX WHO SAID NO ISSUES, AND THEY ARE SAYING NOW THEY NEED ANOTHER MONTH ... THEY CAN CALL / AND IT WAS NOT AN ISSUE TILL I GOT THE CREDITS. 

WORST CUSTOMER SERVICE IN WORLD. FALSE STORIES ALLIGATIONS ... THIS SHOULD BE ILLEGAL. 

PLEASE HAVE SOMEONE CALL ME ASAP.

Company response to consumer: Closed with explanation