vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2019, I the dispute process with the Transunion credit bureau, XXXX  and XXXX   regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from XXXX  nor XXXX but I had received a letter from Transunion, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to Transunion.

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 2019-11-20 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Collection agencies are reporting accounts as if they are new collections, when in fact the original date of delinquency should be 6 or 7 years old. ( medical bills. stemming from a car accident ). 
1 ) Paramount Recovery Opened XX/XX/2019 {$380.00} Original creditor : XXXX XXXX XXXX 2 ) XXXX XXXX XXXX Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX  Opened XX/XX/2019 {$4100.00} Original creditor : XXXX XXXX XXXX 4 ) XXXX  Opened XX/XX/2019 {$1100.00} Original creditor : XXXX XXXX XXXX XXXX 5 ) XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 6 ) XXXX  XXXX Reported : XXXX XXXX, 2019 {$460.00} 7 ) XXXX XXXX Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX 8 ) XXXX   XXXX XXXX Opened XX/XX/2019 {$1300.00} Original creditor : XXXX XXXX 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 2019-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Thank you for reviewing this : Prev complaint XXXX made XXXX XXXX and closed. Citibank replied by restating the terms of the Promotional Balance program but not admitting to wrong doing or that I had complied with the rules completely. This newest part of the issue is because they failed to process my payments as requested by me and acknowledged by them. Attachments show : Stmt XXXX XXXX shows : XXXX due for Promo Bal due XXXX XXXX / XXXX due for Promo Bal due XXXX XXXX ( side fact, I paid the XXXX on XXXX XXXX and requested it be applied to the Promo Bal Due XXXX XXXX ). Ltr from them XXXX XXXX confirms I requested payments in excess of min bal should apply to Promo Bal due XXXX XXXX Payment XXXX made XXXX XXXX ( after minimum due paid XXXX XXXX ) so the XXXX shd be applied to Promo Bal due XXXX XXXX. The payment made XXXX XXXX was NOT applied to Promo Bal due XXXX XXXX but applied to the Promo Bal due XXXX XXXX. The result of their constantly misapplying my payments is that they charged me {$160.00} for interest on the Promo Bal due XXXX XXXX for not paying it off in the agreed upon manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Control, Inc.
State: PA

Complaint narrative:
I had health insurance I went to a hospital that accepted my health insurance I left the hospital I lost my job 2 years later the hospital bill showed up on my credit report Noone attempted to to collect Insurance company did not inform me that the was not going to pay This was a non emergency hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit bureaus show that I had an open balance of {$180.00} and the original creditor was XXXX XXXX  XXXX opened on XX/XX/2018. I disputed it but was told it was accurate and my responsibility. I have no knowledge of this. I have never had XXXX  XXXX. I would like to have it removed from my credit reports.

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 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon traveling as a XXXX  i used my credit card a lot for travels and as a result of that my identity was stolen and accounts were opened. Also i have had full health insurance and have no reasons to be in collections with medical establishments which are included in the 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 non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon traveling as a XXXX  i used my credit card a lot for travels and as a result of that my identity was stolen and accounts were opened. Also i have had full health insurance and have no reasons to be in collections with medical establishments which are included in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon traveling as a XXXX i used my credit card a lot for travels and as a result of that my identity was stolen and accounts were opened. Also i have had full health insurance and have no reasons to be in collections with medical establishments which are included in the 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 2019-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Statewide Mortgage, LLC
State: TN

Complaint narrative:
After completing necessary credit corrections requested by your loan officer XXXX XXXX I was granted an approval to purchase a {$210000.00} home with a VA Loan. A day before the closing day and seller vacating the property I was informed of judgments that would preclude me from purchasing home. I should have been informed of these judgments against me before I was pre-approved for home and definitely before the seller moved out of her home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
I haven't taken out an loan out from Bright Lending because it seems to me after reading over the lender Loan Agreement And Disclosure Statement it seems to be unpractical and more towards predatory lending. 

I was taking out a loan for only {$800.00} but their Annual Percentage rate was set at 674.9888 %. Finance Charge {$2900.00} with a total payments of {$3700.00}. 

I thought that was a little much so I called and asked to speak with someone about the Loan Agreement. My question was why didn't the Loan Disclose a early pay off and NO ONE could answer my question or could tell me anything about an early pay off option and what that would be. I asked was it 5 -10 pay off but got no answer accept that it depends. My question was depends on what? They kept putting me on hold to fine out but could never give me a straight answer at all. So I said you could put all these unreasonable finance charges {$3700.00} for a {$800.00} dollar loan but you cant tell me anything about early payoff for just the {$800.00} without all these fees. 

I don't know the law but in my heart I truly feel this is a Predatory Lending Company and they need to be closed down. Its company like this that destroying peoples lives and future. Please look into this! I can provide you a copy of the Loan AgreemenXXXX Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Collection agencies are reporting accounts as if they are new collections, when in fact the original date of delinquency should be 6 or 7 years old. ( medical bills. stemming from a car accident ). 
1 ) XXXX XXXX Opened XX/XX/2019 {$380.00} Original creditor : XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX Opened XX/XX/2019 {$4100.00} Original creditor : XXXX XXXX XXXX 4 ) XXXX Opened XX/XX/2019 {$1100.00} Original creditor : XXXX XXXX XXXX XXXX 5 ) XXXX XXXX Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 6 ) XXXX XXXX  Reported : XX/XX/2019 {$460.00} 7 ) XXXX XXXX Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX Opened XX/XX/2019 {$1300.00} Original creditor : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Credit Management Control, Inc.
State: FL

Complaint narrative:
Collection agencies are reporting accounts as if they are new collections, when in fact the original date of delinquency should be 6 or 7 years old. ( medical bills. stemming from a car accident ). 
1 ) XXXX XXXX Opened XX/XX/2019 {$380.00} Original creditor : XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX Opened XX/XX/2019 {$4100.00} Original creditor : XXXX XXXX XXXX 4 ) XXXX   Opened XX/XX/2019 {$1100.00} Original creditor : XXXX XXXX XXXX XXXX 5 ) XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 6 ) XXXX  XXXX  Reported :XX/XX/2019 {$460.00} 7 ) XXXX XXXX Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX 8 ) XXXX  XXXX XXXX Opened XX/XX/2019 {$1300.00} Original creditor : XXXX XXXX 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 2019-11-20 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
CHASE BANK needs to remove late payment history from my records. 
Affecting my ability to get a loan. 
There was a dispute, the loan # XXXX had bank fraud involved with it. 
The loan was corrected, and paid off. Check # XXXX for {$160000.00} XX/XX/2010 was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: NY

Complaint narrative:
On XX/XX/2019, I the dispute process with the XXXX  credit bureau, Equifax and XXXX  regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from Equifax nor XXXX  but I had received a letter from XXXX, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: NY

Complaint narrative:
On XX/XX/2019, I the dispute process with the XXXX  credit bureau, XXXX  and Experian regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from XXXX  nor Experian but I had received a letter from XXXX, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to 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 2019-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION
State: WV

Complaint narrative:
XX/XX/XXXX I was made aware that their was a lien on my property through a bank I'm trying to get a home equity loan with now. They advised me that their was a lien on my property from XXXX XXXX XXXX, which is now BB and T. Deed of Trust dated XXXX, book XXXX-page XXXX. I've reached out to my local BB and T branches in search for some help do get me a release DOT. At first I tried to talk to XXXX XXXX, at the XXXX XXXX XXXX XXXX location in XXXX WV, NO HELP. Then I moved on to the XXXX XXXX location in XXXX WV to XXXX XXXX. In which in return he did get me a release on a wrong DOT. I then told him that was the wrong loan and he then sent me a letter in the mail stating the lien release is not available in the loan file and they apologize. 
My complaint is someone can and needs to get me a release DOT on the DOT filed at the court house from XXXX. This is hindering my loan process and going to knock me out of buying a piece of property connected to my land. If this doe not get solved, my only option is to hire a lawyer and file suit against BB and T for not providing me a release DOT on my property, that the loan is paid in full. 

XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV 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 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS

Complaint narrative:
In XXXX of 2019 XXXX XXXX XX/XX/XXXX apparently sold my account to CitizensOne Home Loans. I was not given forwarning of this transaction. I was notified after the " sale '' had been completed. I " attempted '' to make my regularly scheduled payment. Apparently the payment was not processed properly. Almost immediately I began to receive written and phone notifications that I was delinquent on my account. I made several attempts to make phone contact with CitizensOne only to be placed.on automated holdnfor up to 30 minutes before terminated each call. 

I made attempts to make payment through the web application portal the company claims to provide only to be notified that while I am in default or delinquent I may not use this portal. This to me is refusal of payment. During a phone call that was actually answered I was informed I had to give financial information over the phone in order to clear up the issue. This is not only an unsafe practice but no reputable company makes this demand. On XX/XX/2019 I was able to make contact by phone. I spoke with a company employee named XXXX. XXXX advised that I could ignore the written threats of foreclosure I had received as they were not serious in nature. I advised XXXX that I take the written threats seriously and was actively seeking legal counsel. I advised XXXX that I would be more than willing to make larger monthly payments until this issue could be rectified. This proposal was rejected. I was advised to make a payment of the alleged arrears in full. Again I was advised that I needed to do so by giving financial information over the phone. XXXX advised that the issue of the unprocessed payment in XXXX was not something that could be rectified other than for me to make the account current by payment in full. I made the regularity scheduled XXXX payment by cashier 's check mailed to the processing center via the payment stub provided by CitizensOne.  XXXX advised that this was a bad idea. 

On XX/XX/2019 I made a payment to bring the account into " Compliance '' through the web application portal. On XX/XX/XXXX I received a packet in the mail with information for debtors in default. I also recieved another letter advising I am in default and threatening foreclosure. 

I find the actions of CitizensOne questionable at best and suspect that one or more of their business practices could constitute fraud. I would request this agency to begin an audit into the business practices of CitizensOne Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I purchased a new vehicle on XX/XX/2019 and at that time traded-in my XXXX XXXX XXXX that was finance with Consumer Portfolio Services. Consumer Portfolio Services received the payoff for {$16000.00} on XX/XX/2019 for the XXXX XXXX XXXX. I reviewed the payment history information on their ( CPS ) website ( attached ) that stated the total paid was {$16000.00} to pay the account in full. It broke down the total paid into 3 different categories ( Interest {$470.00}, Principal {$16000.00} and Fee 's {$190.00} ) documenting the total paid {$16000.00}. I knew the dealership sent a payoff of {$16000.00} so I was aware I was due a refund around {$250.00} based on the total paid that was documented. I contacted Consumer Portfolio Services on XX/XX/2019 to inquire about the difference in the total paid and the payoff check received. I spoke with XXXX XXXX who advised me she would escalate the account to be reviewed by audit. I called back on XX/XX/2019 and spoke with a supervisor who basically confirmed that the total paid of {$16000.00} was not accurately document nor was the letter that was sent to me by them. They advised me the total paid was XXXX but that was not document in the payment history on my account nor the letter that I received from them. Due to the documentation shows inaccurate information I am requesting a refund/overpayment of {$260.00}. The company did advise me they was going to do a audit on my account to update the correct amount.

Company response to consumer: Closed with explanation