vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 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: PA

Complaint narrative:
The company is Exsperian...I applied for a loan at XXXX  loan and they said my score is XXXX  which on exsperian it shows my fica score XXXX.  Exsperian never update credit scores so that the consumer can see my credit score increases.  You also cannot speak with anyone at Exsperian.  You have to mail your issues with them in.  I think this is fraudulent.  My scores are totally different with XXXX  and XXXX  they are at XXXX.  '

I really need a loan and Exsperian is not updated their scores so that the bank can see what I see...Its totally unprofessional and fraudulent....

If I go on exsperian and see a score whoever I give my permission to check my credit they should see the same score....But they do not and all I want to know is why?

Its very disturbing to me and fraudulent why Exsperian is not updating or reporting the same score to banks , etc/

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 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RMS-Recovery Management Services, Inc.
State: MI

Complaint narrative:
I paid XXXX per month and the debt was fully paid off.  I received threatening phone calls two months after my last payment telling me that I owed another XXXX.  The debt is still showing up on my credit report showing that I owe them  money.  I want the debt removed from credit immediately to accurately reflect my true credit history. The first RMS-Recovery Management was very rude and disrespectful.  The second representative state it was an accounting error on their end and my debt was paid in full.

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 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Disputed the inaccuracies of Bank of America on my credit report  on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from company. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXXDOB XXXX. I have attached my DL for proof of ID Please update my address to  XXXX XXXX XXXX XXXX XXXX OH 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 2019-08-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Dear Best Buy-Citibank:On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX store in XXXX, Colorado for pick up at the XXXX XXXX in XXXX, NC store. Payment of $XXXX was charged to my Best Buy Credit Card. Exhibit#1-Email receipt for purchase OnXX/XX/XXXXI received an email notification stating my order was cancelled due to the pickup window expiring-purchase not picked up at the XXXX XXXX, NC store. Exhibit#2-Email stating cancellation of purchase.On XX/XX/XXXX I received an email stating a refund was processed for XX/XX/XXXX purchase.To date, this refund was not processed. Exhibit#3.-Email stating refund in process.OnXX/XX/XXXX I walked in and purchased the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX, NC. Exhibit #4.-Email receipt for purchase.On XX/XX/XXXX I returned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased on XX/XX/XXXX at the XXXX XXXX, NC store, as the TV was not working as designed. Exhibit #5-Email receipt for refund of purchase. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of $XXXX.  To date, my credit card reflects a a charge 0f $XXXX. The only charge I should be responsible for is the amount of $XXXX which is the amount of the XXXX XXXX purchased on XX/XX/XXXX. I have not received a refund of my original purchase onXX/XX/XXXX that was cancelled on XX/XX/XXXX. I have faxed documents, spoke to several agents to no avail. I have been dismissed by agents stating there is nothing they can do.I am requesting a swift resolution to this issue as I am perplexed as to why this has not been rectified. This is clear issue of no one taking the time to review the document trail and understanding while the same TV was purchased twice both were returned. I should not be charged for an item I never had in my possession. Again, I am hoping for a quick resolution to this issue.

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 2019-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I applied for a VA loan with XXXX and was issued a prequalification letter. I contacted my realtor and went under contract for a house on XX/XX/XXXX.  I was currently in a rental and had to be out byXX/XX/XXXX so that the owners could put the house on the market. We asked for buyer possession and we along with my realtor kept asking was everything moving smoothly with the loan along the way and we were told yes. Everything they asked me or my realtor for they received immediately.   My realtor contacted XXXX XXXX on XX/XX/XXXX because we were scheduled to take possession on the XXXX and she was told that it was in underwriting and we should here something that day or the following day.  I then called and spoke to XXXX XXXX and was told everything was moving smoothly and we should not have any problems.  I still didn't feel comfortable so I still waited to the following week to start moving items in the house and had my movers scheduled to come on Friday XX/XX/XXXX with my bigger items. My realtor contacted them again on XX/XX/XXXX because no one has yet to confirm that we had final loan approval  and were scheduled to close in a few days on the XX/XX/XXXX and XXXX emailed her back and said my file was still in underwriting and we should have final loan approval today.  I then called him later that day to check on the status and I was told that the underwriter did not feel comfortable approving my loan so it was denied.  Imagine my shock because now I am homeless and do not know  what we are going to do.  My realtor gave me the number to 2 local mortgage companies to see if they could help and they both said just solely based on pulling my credit that I should have never been issued a pre-qualification letter. I feel like this company mislead me and had me spend thousands of dollars on moving and inspection expenses by leading me to believe I was qualified to purchase a home.  I am a military veteran that served  this country and this is the thanks that I get? If they would have been honest with me, I would have just found another rental and fixed me credit and purchased when I was qualified.  We have all emails and my realtor also have email transactions from them as well as proof. They left me homeless and ruined my life and will not return any of my calls or calls from my realtor to try to fix the mess that they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: AES/PHEAA
State: UT

Complaint narrative:
I am requesting FED LOAN SERVICES to remove all reporting of any accounts as they have failed to provide the credit bureaus 100% accurate and complete information of the TERMS and balances correctly on the loans each month. They are required to provide as the DATA FURNISHER 100% accurate information to the credit bureaus. I have disputed there accounts on my credit reports because they have been LAZY in providing 100% accurate and complete information under my name. Therefore I am requesting immediate removal of any accounts under my name to any of the major credit bureaus as these are major violations failing to provide 100% accurate and complete information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Ray Skillman Chevrolet Inc
State: KY

Complaint narrative:
XX/XX/2019I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  truck from XXXX XXXX XXXX  in XXXX, Indiana. I told them my monthly payment range and found me a truck. I traded in my XXXX XXXX XXXX XXXX  with a loan still owed. They told me they would give me 5k for my XXXX  which I still owed XXXX on. They honored that 5k off the purchase price of the truck which was XXXX. That brought it down to XXXX. Now, after arriving and waiting around for a long time the sales rep that does all paperwork came to me with it all completed. Showing me the good prices but skipping what I found out now to be added charges, but considering the payment was in my monthly cost, I didn’t see them and he didn’t want me too. They added my entire XXXX  loan on to the truck loan to make up that 5k they took off the truck balance. As well as adding an “extended service agreement “ and gap insurance which he said only raised my monthly payment 30 dollars and was needed but never told me the cost. The warranty was XXXX dollars and the gap was XXXX dollars. After all this extra services I now am paying 10,000  more than the truck is worth due to the services not spoken about. This is disheartening and I will never buy from them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
My mother’s credit score at the time was low resulting in the need for a co-signer. The loan was approved only under the circumstances that I was listed as the primary on the loan.“The Consumer Credit Protection Act, 15 U.S.C. 1601 et seq., is the collection of federal statutes that protects consumers when applying for or receiving credit.”First problem previously reported to Ally Auto: the auto loan does not reflect on my mother’s credit, just mine. As a result of such practice, I cannot partake in the option to be released from the auto loan therefore, preventing my mother from establishing and or maintaining her own credit after 2 plus years of payments. “The Fair Credit Reporting Act (FCRA) and its implementing regulation, Regulation V, require that furnishers of information to consumer reporting agencies ensure the accuracy of the data placed in the consumer reporting system. Additionally, the FCRA prohibits the use of consumer reports for impermissible purposes, and it requires users of consumer reports to provide certain disclosures to consumers.”Second problem: As part of the loan agreement, the lender is required to give all parties written notification when the other party is late with a payment and or makes changes to the account/loan terms and conditions. This has not been honored by Ally since the commencement of the loan even after making several verbal request. Third problem: Both Ally and my mother reported making a payment arrangement (in both negative credit reporting situations) which is supposed to deter negative reports on my credit. This is now the second time I have had to contact customer service regarding a delinquent payment reported incorrectly on my credit after a payment arrangement was made. Not once, was I informed of the late payment/arrangement nor given the option by the Ally to make the payment.At no time during either situation of the approved and thoroughly documented payment arrangement did Ally communicate the terms and conditions of such option(via letter, email or by phone) to me as the primary borrower on the loan. As a consumer, it is imperative to be properly informed of any changes occurring that may potentially hurt my credit. Ally does not consider such practice of informing all parties on the loan of any drastic changes. Therefore, Ally has intentionally violated the terms of the loan and the regulations of the law that protects consumers from misappropriation of information reported to the credit bureaus .

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 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I settled the debt with XXXX in an authorized XXXX store in the city of XXXX XXXX Mi, XXXX back in XX/XX/2019.  The XXXX representative told me that they would contact Convergent and it would be removed from my credit report within 30 days.

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 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have gotten the response to the last complaint and have determined it does not resolve my complaint. LVNV is continuing to respond to previous disputes with a print out of a bill which they could have purchased from anywhere. There has been so many company data breaches around the world.  As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification I received a letter from the president of XXXX XXXX XXXX and they informed me that I am no longer liable for this account and that it will be cleared from my credit history. Therefore I no longer owe LVNV for this account as well since this credit card debt has been cleared from my history. Attached is the document sent from president of XXXX XXXX XXXX I am again formally requesting a copy of any documents, bearing my original and complete signature, showing that I have a legally binding contractual agreement obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The collection item you are showing is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining  a careful record of my communications with you for the purpose of filing a lawsuit should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my original complete signature may result in a small claims action against your company. I will be seeking a minimum of $1,000 in damages per violation for. -Defamation-Negligent Enablement of Identity Fraud-Violation of the Fair Debt Collection Practices Act (including but not limited to section 807-8-Violation of the Fair Credit Reporting Act (including but not limited to section 623-b) You will be required to appear in a court venue local to me, in order to formally defend yourself. Attached is a letter from the office of the President of XXXX XXXX XXXX showing that they deleted the history of the trade line with them. Which means I no longer owe this debt that you are inaccurately reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I sent Portfolio Recovery XX/XX/2019 a Cease & Desist letter as they are not my original creditor and I do not wish to work with them. I had this letter notarized by XXXX, CT. town hall notary as well. I requested that they remove all negative reporting they have reported to XXXX, XXXX, and XXXX. I am putting the CFPB on notice as to what is happening because I am not confident that they will respect my request. I have a copy of my Cease & Desist notarized should it be needed that I sent Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX on my credit report with Experian on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is nowXX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2019-08-19 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony has failed to retrieve the police reports from the XXXX XXXX   police department yet continue to report to the major credit bureaus debts under my name for accounts that closed due to FRAUD. Detective XXXX XXXX has verified there is ZERO request from the bank for the police reports on file. ADDITONALLY, it is major violation to report data to the credit bureaus that is NOT 100% complete and accurate under a consumer name. The Data furnisher which is Synchrony continues  to report to the 3 major credit bureaus accounts that were closed due to FRAUD anyways. They have failed to retrieve the police reports directly from the police department which is there responsibility as the DATA FURNISHER again which they havent. Cases 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 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: TN

Complaint narrative:
XX/XX/2019
I just received a request from DISCOVER Credit Card Service asking me to sign Document 4506-T. I appears to me, by signing this document, DISCOVER will then have access to my IRS tax returns and any other info IRS may have on me. DISCOVER did not require me to sign such a document when they extended me credit years ago so I don't see why they feel they are entitled to it today. I have been doing business with them for years and ALWAYS pay my bill on-time and in full. They told me if I don't sign, they will cancel my accounts. They have already froze my account so I can't even see my recent transactions or where I stand financially with them.  I have given them absolutely no reason to take this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX on my credit report with Equifax on XX/XX/19. Company received my disputes onXX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XX/XX/XXXX Married XX/XX/XXXX XX/XX/XXXX Legally separated from XXXX XXXXXX/XX/XXXX Final divorce and property settlement from XXXX XXXXNo financial transactions of any kind (including Pentagon Federal) since year prior to final divorce.XX/XX/XXXX Started to receive notices of pass due loan payment and attempts were made to me to collect by Pentagon Federal Credit Union for loan transactions executed by XXXX XXXX.   My attempts to resolve this matter directly with PenFed telephonically and in person have been w/o success.Today I continue to produce to Pentagon Federal Credit Union final divorce papers with attached paid check to PenFed for remaining balance closeout on this account.  Several times I have provided to their local bank offices (in person) copies of divorce settlement and supporting documentaton to no avail.PenFed continues to seek collections from me referencing that my name cannot be removed from an account (with loan privileges) until XXXX XXXX (Primary account holder) makes the request.I have no recollection of signing a co-signer agreement at any time nor can PenFed cannot produce anything.I have no communications to date; nor knowledge of Mr. XXXX   whereabouts. I had no knowledge this account was still open and there is no activity conducted by me whatsoever.

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