vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AC AutoPay LLC, Denver, CO Branch
State: IL

Complaint narrative:
AC Auto Pay located in XXXX, CO claims that I owe a debt of {$8500.00}. I sent the initial letter of dispute on XX/XX/2018. I demanded proof that the repossession of the vehicle was in legal accordance with the following UCC : 9-506. ) EFFECT OF ERRORS OR OMISSIONS 9-611. ) NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. ) TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL & 9-613. ) CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. AC Auto Pay replied claiming that they sent a NOTICE OF INTENT TO DISPOSE as well as a NOTICE OF SALE OF COLLATERAL AND POSSIBLE DEFICIENCY. On the Notice of Intent to Dispose, the amount owed is {$8100.00}. On the Loan Billing statement, the amount owed is {$8000.00}. On my credit reports, the amount owed is {$8500.00}. As you can see, they have violated the federal law in more than one way. The repossession was not fully in legal accordance with UCC 9-506, 9-611, 9-612, and 9-613. This is a violation of FCRA & FDCPA and the entry must be removed. Furthermore, AC Autopay did not provide proof, bearing my signature on a certified mail receipt that I even received these documents that they allegedly sent via certified mail. I do not recall receiving these documents.

Lastly, AC Auto Pay did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on the account within 30 days of my dispute, which they signed for on XX/XX/2018 ( I will attach a copy of the signed receipt ). I have retained a time stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period. 
As this company have violated federal law, by not properly providing the credit bureaus with proper notice within the required time frame, and I have evidence of such, via certified mail receipts, they must now remove the item.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Barclays Bank Personal Loan Mail solicitation for Personal loan fixed for XXXX months up to {$35000.00} Rates starting at 4.99 % I received a print ad on XX/XX/XXXX that does not expire until XX/XX/XXXX. The ad states that XXXX XXXX ( me ) has a pre-selected confirmation. 
For Fixed APR as low as 4.99 % with no fees I was issued an offer code to input and directed to www.barclaysloanoffer.com.

The site immediately states 5.99 % is the lowest rate ( before I even enter any personal info or invitation code ) After, entering the invitation code. The site asks some personal info but does not ask for permission to run credit check.

Then I was give 3 options to choose in order to move forward which were much higher than the solicited rate ( note : I have excellent credit ) The site states that if I choose one of the options a credit check will be performed but will not ding my credit score. There is no option to move forward unless a much higher rate is chosen. 

After calling the customer service # I was told by the rep that the solicitation " is no longer valid and lowest rate is 5.74 % because of prime rate going up '' additionally, I was told that " the marketing department generates the solicitations months ahead of time ''. After, requesting supervisor XXXX rep # XXXX. I was told that the 4.99 % was expired and now lowest is 5.99 % however she then changed her statement and said the 4.99 % was only available to a private few who received the solicitation. 

I was told I must have not have high enough credit to qualify for a better rate and then transferred me to the finance department. 

Another supervisor XXXX rep # XXXX claimed my credit score was XXXX and that qualified for the much higher rates. However, when I asked what was needed to qualify for the 4.99 % rate advertised she said she did not know and at no point could tell me the requirements needed to qualify for the advertised rate. Also XXXX acknowledged mistaken statement by other reps and said internal training would be done! but would not honor my advertisement

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 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This problem relates to Experian, XXXX and XXXX Reporting Agencies. These agencies stubbornly continue to retain addresses that go back in some cases more than 30 years. 

1. These agencies won't provide a place on report to dispute ANCIENT addresses.

2. These agencies stubbornly report an " Also Known As ''. I NEVER USE AN ALIAS OR ALSO KNOWN AS NAME.

3. Name changes legally made LONG, LONG AGO are not reflected on report. The agencies are stubbornly holding on to OLD NAMES as though there is something to uncovered. 

Agencies IGNORE NAME CHANGED VIA DIVORCE DEGREE. Reports show last name XXXX ( OLD MARRIED NAME ) THAT WAS CHANGED VIA DIVORCE DECREE XX/XX/2002.

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 2018-10-24 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: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
I had an account with XXXX that was late and sent to a collection company by the name of XXXX XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX, XXXX, MO XXXX. This account was hurting my credit report so I reached out to XXXX XXXX and requested that if I pay the account in full to have them send me a Pay for Delete letter to remove this account from my credit report. They told me I would have to contact XXXX for said letter. I spoke to XXXX and now they tell me I need to get that letter from the company I settled the debt with, which is XXXX XXXX. XXXX of these companies are lying and I believe it's XXXX XXXX because they purchased the debt and have rights to it which would give them the power to issue the deletion. I have receipt from them of the account paid in full and wish to have the account removed from my report immediately. The account was in my maiden name which is different from what is listed on my credit report.

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 2018-10-24 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I called in XX/XX/2016 to make the final mortgage payment on my account with Huntington National Bank. They told me the payment amount due which I paid in full. Several months later ( XX/XX/2016 I believe ) I received information stating I owed a balance, at this time it was placed with their debt recovery department and was in a charge off status. I went ahead and paid the amount in full hoping that would satisfy my obligations. I received another call stating I still yet had a small balance and again paid that in full. 

Now I'm looking at my credit report for the first time since and see they are showing a balance on my account and have reported it as charged off. I filed a dispute, Huntington corrected the amount it said I owed to XXXX  but refused to change the charge off status to paid as agreed. The only reason it went to charge off was because I was not given the correct amount not once, but on two separate occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION
State: UT

Complaint narrative:
This is a credit pull I never authorized.

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 2018-10-24 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: ND

Complaint narrative:
I have contacted both XXXX XXXX and Bayview Loan Servicing several times over the last months asking for the date of first delinquency to be fixed on my reports. The most recent contacts to both companies were by phone on XX/XX/XXXX, by phone on XX/XX/XXXX, by email/fax on XX/XX/XXXX and through disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not updated the date as of yet. 

The date of first delinquency that is showing on all 3 credit bureaus : XXXX, XXXX and XXXX. The delinquency shown is XX/XX/XXXX but the date of first delinquency was XX/XX/XXXX. The mortgage loan was originally owned and serviced by XXXX  XXXX XXXX. It was then transferred to XXXX XXXX and finally to Bayview Loan Servicing. Per FCRA 605 & 623, when a debt is sold and was delinquent, the date of first delinquency is to be reported as the original creditors date of first delinquency. In the case of this account, the account went delinquent with XXXX   XXXX XXXX in XX/XX/XXXX. As it was never brought current, the date of first delinquency is XX/XX/XXXX. 

You will see in the XXXX XXXX Report the XXXX XXXX XXXX Information ( bottom of page 4, top of page 5 ) the account history for XXXX XXXX XXXX and the information that is was transferred. Bottom of page 5 to top of page 6 shows the incomplete XXXX history. XXXX received the loan in XXXX XXXX but did not report until XX/XX/XXXX until XXXX XXXX. Bayview received the loan in XX/XX/XXXX-XX/XX/XXXX. 
The 2 were the follow-up letters that I submitted after the XXXX disputes were not updated properly. 

The XXXX XX/XX/XXXX Document shows that the XXXX  XXXX XXXX account has been removed due to the 7 year rule but both XXXX and Bayview are still on the report ( pg 11 & pg 16 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
I moved my service from a house to an apartment. My fish wasnt able to be installed due to location so the rep took the dish with him and I was instructed to dispose of the box. I was issued a refund for the month since I was no able to use the services. XXXX XXXX then booked me {$55.00} and put the account in collections. I contacted them and they resolved the error, stating they balanced the account and removed the collections. It has been 2 years and XXXX XXXX has put the account back in collections again, after previously resolving. XXXX told me to just pay it, I will not pay a balance that I do not owe and I will sue XXXX XXXX for damaging my credit fraudulently. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
I received a letter from Berlin-Wheeler Inc on or about XX/XX/18 that I owed a debt for {$390.00} for XXXX, but I have never had an account with XXXX. I then sent Berlin-Wheeler a certified debt validation letter that was received on XX/XX/18. They sent back copy of invoices, an itemized printout, and a demand for payment, but nothing to verity the debt since the FTC has stated that itemized printouts are not verification of a debt. I checked my credit report on or about XX/XX/18 and the debt was reporting to the credit bureau, but it was not marked disputed within the 30 days that are required by law according to FDCPA 807 ( 8 ). I then sent another certified letter to Berlin-Wheeler that was received on XX/XX/18, letting them know of the violation and asking them to remove the inaccurate information from my credit file, but the debt has not been removed nor has Berlin-Wheeler responded as of today ( XX/XX/18, which well pass 30-days ) I am requesting to have this inaccuracy removed from my credit report 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 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
REGIONS BANK ALLOWED A COMPANY CALLED XXXX TO TAKE MONEY OUT OF MY ACCOUNT IN SOMEONE ELSE 'S NAME THE NAME XXXX XXXX THERE IS NOT A XXXX XXXX ON MY ACCOUNT XXXX TOOK OUT {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$150.00} 0N XX/XX/XXXX, {$140.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX {$120.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$100.00} ON XX/XX/XXXX, {$99.00} ON XX/XX/XXXX, {$92.00} ON XX/XX/XXXX {$86.00} ON XX/XX/XXXX. AND ANOTHER & 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 2018-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VT

Complaint narrative:
I had a line of credit with Cashnet USA with a limit of {$2000.00}. From XX/XX/2018 to XX/XX/2018 I took out advances and made payments on this line of credit. The total of the advances was {$2500.00} with associated fees of {$250.00} and interest {$360.00}. Therefore I owed Cashnet USA a total of {$3100.00}. Over the same period of time I made payments totaling {$3300.00}. Thus I overpaid Cashnet USA {$190.00}. I have requested a refund in the amount of {$190.00}. I called Cashnet USA on XX/XX/2018 and was told that I would be given a detailed summary of my account transactions within 2 business days. On XX/XX/2018 I had an online chat requesting the details since I had not had any confirmation that the request was being processed from my XX/XX/2018 phone call. I received an email on XX/XX/18 that I would receive the information requested within 5 business days. On XX/XX/2018 I requested an update on the request via email. I received the breakdown report later that day on XX/XX/2018 from XXXX XXXX. The last three payments on the report stated the following : " On XX/XX/2018 we received a payment in the amount of {$400.00} On XX/XX/2018 we received a payment in the amount of {$600.00} On XX/XX/2018 we received a payment in the amount of {$170.00} '' All other payments on the report during the time period XX/XX/2018 to XX/XX/2018 were broken down in detail showing how much went towards fees, interest, and principal. '' On XX/XX/2018 I requested detail on the last three payments. On XX/XX/2018 I received a new report stating that the payments received on XX/XX/18 and XX/XX/2018 were applied to principal. I did not have a balance due to Cashnet on XX/XX/2018. I tried three times to get resolution over the phone on XX/XX/2018 ( I was told once by a representative that there were hidden fees and interest, the second call was disconnected when I asked to speak to a manager, the third call told me that this request was escalated to a manager however there was not a manager to speak to at that time ). On XX/XX/2018 I called the collection department of Cashnet hoping that a manager would be present, I spoke to XXXX. She was great and told me she would investigate and call me back. She did call me later on XX/XX/2018 and told me that I have overpaid and possibly it was more than {$190.00}. The lack of clarity on how my payments were applied and the conflicting statements stating I did not have a balance but still owed payments are very troubling to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: KEYCORP
State: UT

Complaint narrative:
Over the course of 4 outgoing phone calls to KeyBanks Customer Service Line totaling 178 minutes I was still unsuccessful in getting the " other charges '' waived when attempting to pay-off my loan. My issue I have is when my home went into a foreclosure status in the first 4 months of the loan I paid roughly XXXX to bring it current and I am left wondering why I didn't pay those attorneys fee 's at that time. Now I am getting charged randomly throughout the last 2.5 years for attorneys fees. Ironically I got the information to the actual attorney to get this problem resolved and he was someone I knew personally so I gave him a call. My main goal I would like to argue with KeyBank is why those fees weren't issued in the beginning when I brought my loan current and why was it such a hassle to get this information from them. Again I spent almost 3 hours of phones calls to get no where it seemed like and I am still left wondering why. These phone calls took place as follows. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 55 minutes I was transferred to collections which the lady explained to me as my account being current and almost immediately was going to transfer me back to CS before I stopped her explaining I had just spent 40 minutes with XXXX ( employee # XXXX ) in CS. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 26 minutes ( XXXX ) no success here. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 35 minutes XXXX ( employee # XXXX ) -> XXXX  supervision XXXX ( customer service department ) no success here, but a phone call back with a voicemail with not enough information causing me to spend over an hour with the next CS Rep. I got down below. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 1 hour 2 minutes XXXX was finally able to provide the name of the attorney I have a huge problem with how many employees I had to speak to and how they had no clue of how things worked almost just shrugging their shoulders and saying I don't know, but I'm sorry this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
the credit company reporting inaccurate information causing me higher rate on everything fcra violation and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XX/XX/XXXX I use a credit for a payment in a XXXX XXXX XXXX XXXX miles. Advertisement as a good condition. guarantee for two years by XXXX XXXX XXXX. 
OnXX/XX/XXXX I returned a car to the dealer that was not even close to the one he guarantee. It was XX/XX/XXXXInstead to XX/XX/XXXX. An speedometer started on XXXX rpm and miles seem to be manipulated. A car had also an extensive water damage all over that it was trying to cover with paint and cleaning. I have to be score by police since a person was threatening at me. Police officer knows dealer in the area scam people before. Also he suggested me to dispute a payment since the dealer refuses a return my money. So I place a dispute with a credit card and I email it all proofs ( pictures and documents ). 

After a few months a credit card give the money to the thief and he also had a car. A car that He was trying to sell few days after I returned. On the same website OFFER UP As a Fair Credit Billing Act, I have the right to dispute for a quality of goods and Services, this person advertised and promote a service that I never had. On the contrary a merchandise was total loss and altered miles. Even if he said a sale is AS IS. He wrote in the contract a guarantee. He also advertised two years whatever it  happens. A credit card suppose work for me and my money. So what Happened now??? I have to pay for a merchandise I don't have and a service that I did not received.

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 2018-10-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
the credit company reporting inaccurate information causing me higher rate on everything fcra violation and FTC

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