vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 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: TX

Complaint narrative:
I have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called XXXX XXXX who gets it from XXXX or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with XXXX XXXX. I have placed a freeze on my XXXX XXXX information as well, but yet they still claim to have verified it as being accurate.

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 2019-11-06 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: TX

Complaint narrative:
I have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called XXXX XXXX who gets it from XXXX or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with XXXX XXXX. I have placed a freeze on my XXXX XXXX information as well, but yet they still claim to have verified it as being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have multiple issues with a XXXX  XXXX credit card account XXXX ( I do not see anywhere else on this form to add my account number, so I'm doing it here. First issue, I dis not open this account. The account name is for XXXX XXXX and I'm XXXX XXXX. I'm getting correspondence by mail stating that I have to pay or I'll be taken to court. I tried disputing several times with no luck. Second issue is the account is showing charge-off on my account and every month is showing a charge-off status dinging my account each month for over a year now. There is also a balance showing for this charged-off account. This is doing damage to my credit every month and is affecting my family and I ability to purchase a home. This account doesnt show on any other credit bureaus. Just Experian. Please delete this from my report ASAP. Please see attached screenshot of myFICO.com report of this 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 2019-11-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested to verify through the physical verification of the original signed consumer contract. Trans Union has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.

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 2019-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I received a notice from XXXX XXXX that I had been denied a credit card with SPCB/JCPenneys. I have never applied for a card with SYNCB/JCPenneys or any subsidiary. I tried contacting XXXX to dispute the charge and couldn't reach anyone. Tried calling the JCPenneys number which shows on my credit report and the person told me they would only help me if I gave them my social security number. I DEMAND that they remove this fraudent hard inquiry from my credit report immediately. This is the information I currently have XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX SYNCB/JCP XXXX, FL XXXX ( 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 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Recovery Solutions, LLC
State: IN

Complaint narrative:
I was told on XX/XX/2019 voicemail was left stating great I they are scheduled to deliver a summons and that if I dont respond that this will be a refusal. I ask fo a VOD they did not send me the info only a letter stating its in the office. Then stated I can not get the VOD until I sign documents.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-06 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: Dyck-O'Neal, Inc.
State: OH

Complaint narrative:
XX/XX/2019 Monthly amount being paid every month for 4 or 5 years and company reports 6 mos behind the whole time

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mercedes Benz Financial Services
State: PR

Complaint narrative:
Dear Sirs : I acknowledge receipt of a letter of condolence regarding the passing of the customer and appreciating doing business with us after paying the full balance of the loan. However, I called to your customer service By the end of XXXX requesting the title of the vehicle just to find out it was sent to another address which is different to the address that you have been sending the bill for the last 4 years and 10 months. I acknowledge that I was very angry with your employee, who I know has nothing to do with this unfair practice of Mercedes Benz Financial Services that discriminate against US citizens residents in the US territory, PR. He told me I would be receiving a letter certifying the car has no debt with MBFS in the next 5 business day due on XX/XX/2019 for us to get a new title in PR. After this call, I received a letter and a notebook from your customer service VP person. This is not what was expected and agreed to satisfy a full payment of {$100000.00} for a car. 
We need the title of the car, we are the owner not MBFS. 
Consider this as an official complaint according to your customer service procedure. If I dont receive any answers to this email in the next 5 days, I will do a formal complaint before the Federal Trade Commission and the PR Ombudsman. 

I dont have any other option since you are being an obstacle for us to do legal business with our vehicle. See the attached documents that evidence the Power of Attorney given to me to do business with the vehicle and the email sent notifying the passing of my mother. 

Cordially, XXXX XXXX XXXX Email : XXXX Sent from my XXXX Begin forwarded message :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BB & T bank is telling me I can not redeem my reward points that I earned from my credit card because it is less than {$25.00}. I was not made aware of that when I opened the credit card. I asked them if they could just take my approximate {$14.00} of reward points and just put it in my currently active checking account at BB & T but they said no. They instead told me they can only redeem those points in multiples of {$25.00}, which means that anyone that closes a credit card there will likely forfeit ( on average ), about {$12.00} of points. This to me is a scam. They are making it almost impossible ( or at least very difficult ) to redeem all of the reward points because if someone is say {$10.00} short of the next multiple of {$25.00} redemption amount, they would have to spend hundreds of dollars more on that same credit card just to get the final {$10.00} of reward money. That is totally unfair and very misleading. 

I told BB & T they need to pay me my earned points otherwise I will close all of my BB & T accounts ( which I will ). When I opened the account, they told me I earn 3 % on gas purchases, 2 % on restaurants, and 1 % on all other qualifying purchases. This is actually incorrect ( and misleading ). Since I can not redeem my points ( because I only earned about {$14.00} in points ), my effective reward is 0 % for all tiers ( no 3 %, no 2 %, no 1 % ). I don't remember them telling me anything about this rule when I opened the account so it may be hidden in the small print but my point is they did not make me aware of it as they are supposed to go thru the rules of the card at the time of opening and make them clear. 

This is a big disappointment to me as I feel I have been scammed. Had they made me aware of this restriction when redeeming points when I first opened the card many months ago, I would have declined the card simply based on that stupid rule. It seems to me that just about everyone who uses a BB & T credit card will eventually get screwed out of some of their earned rewards because of this ridiculous rule they are claiming is in effect. I know of no other bank that has this stupid restriction so it appears BB & T is being " sneaky '' about this.

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 2019-11-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MD

Complaint narrative:
When I purchased my home in XXXX, I used a loan program for XXXX XXXX that was administered by the State of Maryland. The loan servicer was XXXX and I had no issues. In XXXX or XXXX the loan was sold to Amerinat. The problems began shortly after. They created several payment issues with their mismanagement of payments and paperwork. Their customer service line has 60 minute+ wait times making impossible to speak to anyone. 
On XX/XX/XXXX @ XXXX XXXX, I submitted a payment with extra principle that would pay down my loan. Nearly 2 weeks later on XX/XX/XXXX, the amount had not shown up as a credit to my account. I also noticed an additional automatic payment was debited for a loan that should have a XXXX balance. 
I emailed Amerinat to get an explanation. They claimed my funds were being held in an " unapplied account '' and wasn't credited to my loan because their company policy was that I had to ask for a payoff amount in writing prior to making a payment. They continued to charge me interest despite holding my payoff in a random account I didn't authorize. They also made no attempt to notify me of any payment issue. In fact, the email I got after submitting the payment would lead any reasonable person to believe the money was accepted and applied to the account. 
Amerinat makes every effort to make the payment of loans as difficult as possible. They recently added {$120.00} in fees to payoff the loan without explaining what the fees were for and how they are legally allowed to charge them. They also will only accept a final payment in a certified cashiers check or money order via US Mail. They have not explained why they can't debit my bank account directly like they have in every other payment.

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 2019-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Complaint against ... 

HUNTINGTON BANK Vehicle Loans XXXX XXXX XXXX XXXX, Ohio XXXX XXXX On XX/XX/2019 I made a online bill payment to the above referenced bank for my car loan in the amount of {$11000.00} to pay down my car loan of {$16000.00}. 

Huntington cashed the check on XX/XX/2019 and it was deducted from my bank account with XXXX XXXX XXXX ( my home bank ). 

As of this writing Huntington has not credited my account and continues to accumulate interest. I called 2x in 2 weeks and spoke to cust service. Nothing has been done and I have another regular payment of {$330.00} due on the XXXX, which I should not have to make because my large payment of XXXX should cover about 33 payments into the future. 

They will not acknowledge they have my {$11000.00}. 

I want to rattle their cage. Please help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Account XXXX XXXX - # XXXX. This account is showing closed, but there are several innacurate late payments affecting my ability to purchase a home. Please delete this account ASAP. It shows I was 120 days passed due on XX/XX/2015 and the next month I was up to date. Then in XXXX I was XXXX Passed due that can not be. I was never late through any of those months

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 2019-11-07 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Today I was addressed an issue as I was trying to purchase a vehicle at a dealership that I was delinquent in credit because of a student loan that is on my record. The student loan that I apparently owe money to has already been dealt with years ago in the past which I have already paid off my student loans for my XXXX. I got in contact with Navient and they informed me that they have no prior history of any payments towards the student loan that I have already paid on record. As Ive been doing my research I noticed that Navient has had Five lawsuits against them, which included that they have processed payments incorrectly and created obstacles to payment by providing bad and in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: CO

Complaint narrative:
Credit report is showing Several accounts from XXXX XXXX beginning in XXXX and XXXX. These accounts have no pay history recorded, but is stating that the account is charged off. How can this be. This is very inaccurate. Please delete this account from my account immediately. 

XXXX 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 explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I called Conn 's because I difficulty making my payment online and removing old financial accounts. Therefore, the payment I scheduled for XX/XX/XXXX were cancelled so I could get more information from Conn 's. I called Customer Service and the representative told me I had 3 accounts but he could not open any the accounts on the system. I asked for a supervisor ( XXXX ) where he stated my account was charged-off so I needed to speak to Recovery department. XXXX transferred to the Recovery Dept.  and I spoke to XXXX that told me I had a balance so my current account was placed there also. I asked her why would a current account be placed in the Recovery Dept/Charged Off. XXXX says because I had cease and desist calls. That did not make sense. Cease and Desist calls only pertain to calls not charge off accounts. I asked why were they trying to collect anything from accounts discharged in a Chapter XXXX Bankruptcy in XX/XX/XXXX. In addition, it wasn't legal what they were doing. They stated it was legal if I still owed money and hung up. I contacted the Bankruptcy Attorney and she called them which wasn't received very well. They told her I needed to get a Power of Attorney but I only needed a letter giving her permission to access to account. I faxed the letter to Recovery Department and they've refused to allow my attorney to get information about the account. 
Due to me involving my bankruptcy attorney to resolve that issue, they placed derogatory information on my credit report XX/XX/XXXX. Conn 's Appliance reported a derogatory status on my credit report in the amount of {$34.00}. I did not receive any notices, emails or told by customer service of any past due amount when I called. I have no idea what the {$34.00} past due amount and would have paid with my payment on XX/XX/XXXX. I do not feel it should be reported to credit bureau if the customer wasn't notified, emailed or had not been conveyed to the customer. A business shouldn't harass, attempt to intimidate a customer into making payment on discharged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCE CORPORATION
State: VA

Complaint narrative:
My husband abondoned me and he got pay day loan credit debt and using my edentity and the consumer wan na pay me and we still married

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XXXX I purchased a house for {$250000.00}, i put around {$12000.00} down. Unknown to me, the same date, I also signed a second loan called " Home Equity Credit Line '' for {$50000.00}. I was unaware of how this loan worked as I did not have 'equity ' on the house upon signing the loan documents. I received checks and a credit card from the lender XXXX XXXX and I was told i could use it to buy anything i wanted and that it had a limit of $ XXXX on it. When i tried to use it, i was told that i was maxed out! I tried talking to a XXXXXXXX XXXX Supervisor and was told that someone was going to call me. They never did, so i figured it was a mistake on their part and just forgot about this issue, and continued to pay my mortgage on time. In XX/XX/2019, i was interested in pulling some equity to fix my house. A broker working with us found a second mortgage that had not been paid on. This is when we found out about this equity line of credit. I had not received any statements or phone calls from the bank about this. Now they are saying i have to pay {$50000.00} plus {$50000.00} in interest over the last 12 years.

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