vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
I received a response to previous disputes XX/XX/XXXX # XXXX dated XX/XX/XXXX. Under the FCRA this response is over 30 days and untimely. LexisNexis responded to this complaint timely but not respond to my initial dispute letter sent to them XX/XX/XXXX. Also in the attached letter they stated they verified a bankruptcy through PACER  which is a public record with public access. This information was not received from the furnisher which is the Pennsylvania Federal Bankruptcy Court-XXXX. Bankruptcy Court sent me a letter stating they do not give out personal information. Under the FCRA Section 623 ( a ) ( 1 ) ( A any information reported must come from the furnisher and must be complete, accurate information. LexisNexis has stated that the public record from Pacer matches my name and address and social security number. Then Lexis Nexis goes on to say the last 4 digits of my social security. The last 4 digits is not the same as my full social security number. How can you identify me from the last 4 digits of social security number and there are millions of people in the world with the same last 4 digits? This is not complete information. Provide my full social security number, my full name and address from the furnisher of this information which is Bankruptcy Court. Public records/Pacer is not an accurate source of information it's public record and has many errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I have a situation where I have two mortgages that were passed/sold/given to a mortgage servicer during XXXX time when XXXX XXXX XXXX XXXX collapsed. The servicer was XXXX XXXX, which morphed into XXXX which has since morphed again into XXXX/Loancare. The first two iterations were the same people & I suspect the current company has some or all of the same employees as well. During the time I was stuck with XXXX XXXX I had 3 different attorneys on them due to their outrageous behavior that was borderline criminal. No, I'm not exaggerating or making this up. Now I find myself in a situation due to the Covid pandemic where I've applied for help with the current servicer XXXX XXXX/ Loancare & have heard nothing. I applied on XXXX XXXX on their website for Application for Forbearance & both were accepted. I have the receipt confirmations for both. Their site stated that at the outside they would contact me in 3 days I'd have a determination on my two loans which are held by XXXX XXXX. That was 3 weeks ago. To date I have not received a response back. They did manage to find the time however to raise my mortgage payment for one property for escrow. Seems they have time to send me notification of that but not respond to my valid applications. The economy is locked up, I've had a direct loss due to this, prospective clients are not working hence unwilling to pay me. I can easily see a scenario unfold where I'm still waiting for them to respond & have not & I'm at my next payment due date of XX/XX/XXXX. Both mortgages are current & have NEVER been late, with anyone EVER. I've directly contacted the State of Michigan who referred me to XXXX XXXX XXXX XXXX who referred me to your agency. I also tried calling XXXX/Loancare & the phone was not answered. It had a voicemail loop directing me back to website so I could apply online which I'd already done. To say I don't trust these people can't begin to describe my concern. 

Thank you for your time & assistance.

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 2020-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX Received message regarding employment. Applied for an XXXX XXXX position at XXXX on XXXX. Inside the message I received a link. http : XXXX I proceeded to fill out paper work and await for response XXXX Received emails stating that I had been employed. First task was to complete the contract agreement and fax it over so that I could officially start work. Also was given a number of the boss XXXX XXXX we were in contact he stated he had been injured and had to work from home and needed an assistant immediately. 
XXXX First task. I received check in mail from employer XXXX. The check was provided so I could pay off an invoice. I deposited the check and was notified it would take a few days to be in the account. The invoice was due that day but the company was notified and allowed a late payment. 
XXXX Made a purchase for a {$100.00} XXXX gift card because the employer thought it would be wise to give a gift because the payment was late. 
XXXX Check cleared into my account. I paid a {$1000.00} XXXX payment to XXXX XXXX for invoice and the second payment went to a XXXX XXXX XXXX XXXX  for {$1500.00}. The {$1500.00} was a cashiers check I got from my bank BB & T which is now considered Truist. I also purchased two more gift cards which where given to Mr. XXXX. I was awaiting my check in the mail on that Friday. 
XXXX Check was returned and no longer in my account. I was alerted that the check was a fraud. Couldnt file claim until the following Monday because operations were closed. Filed claim on the XXXX. 
XXXX Called BB & T to check on claim to find it was denied. Stated I was a victim of fraud but they couldnt do anything because the check was on my account and the money was gone.

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 2020-04-13 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: MD

Complaint narrative:
On XX/XX/20 and XX/XX/20 I sent two certified letters to Equifax asking for the removal of accounts and inquiries that didnt belong to me. I also asked for the original documentation to be sent to me which they never sent. I sent another letter on XX/XX/20 asking for methods of verification after I found that Equifax said they verified the inquiries but yet one of the creditors removed it after they said it was inaccurate. Another letter was sent on XX/XX/20. I have not received anything tying me to the debt or inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MO

Complaint narrative:
Company sent a letter saying the would no longer pursue collection activities. But they continue to report negative information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Credit reports from the three predominant credit report institutions have been systematically and consistently reporting that I have have serious delinquencies affecting substantially my credit record and my ability to find low interest rates on credit cards, student loans, car loans mortgages. 
I have been continuously paying my debts since XX/XX/XXXX and this has not been reflected on my credit record/history because of this. 
Last year I found out I had a {$37.00} apparent unpaid medical bill since XXXX which I not only did not know it existed and once I found out ( because It was reflected on my credit report ), I decided to pay it even though I thought It was a fraudulent bill. 
The question to ask these three cold heart credit report institutions is that if they feel {$37.00} is a serious delinquency? 
And worst of all is that these cold heart institutions will keep reporting for seven years this {$37.00} as a serious delinquency even though is has been paid off. 
I believe, a law should be passed to ban these credit report institutions from reporting as serious or even plain delinquencies amounts below {$100.00} or a sum considered irrelevant. I will write today a letter to my district congresswoman to start a campaign against these and other harmful policies and practices and have the US Congress review these credit report institutions to obligated them to have fair and reasonable practices and policies. It seems to me, no government institutions supervise and controls these institutions, if the can be called institutions. 
Nobody is a delinquent for having a {$37.00} record or {$100.00} or {$1000.00} on their report, is not a crime, a delinquent is a person that has transgressed the law, its illegal to call somebody a delinquent for an unpaid bill. This is unacceptable. 
These institutions have to do their home work to establish once received a report specially from collection agencies if the report is fraudulent or not, it seems these institutions only collect information and sell it as is, they have not adopted controls over the information received or at least, get in contact with the affected consumer to check if its a fraudulent record. These institutions could well be just a computer since they do nothing but collect information and sell if, they don't care about the consumers. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: UT

Complaint narrative:
There was an escrow disbursement on XX/XX/2020 for {$2400.00} that was never sent to the insurance company because the policy was canceled. The check was never disbursed back into my escrow account which created an escrow shortage. My monthly payment immediately increased almost {$200.00} to XXXX. I called AmeriHome ( XX/XX/2020 ) and asked for the check to be redistributed back into my account, so my payment would adjust. The representative said he didn't understand and hung up on me. This happened twice on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have autopayment set up for the last full balance. It only did the minimum and the chat specialist said it was a glitch and I need to call and talk to a supervisor. But I can't get a hold of them by phone.

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 2020-04-13 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 — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
at the day XX/XX/2020 someone purchased gas on XXXX gas station XXXX in amount {$58.00} on day XX/XX/2020 also purchase in XXXX # XXXX XXXX XXXX AZ in amount {$950.00} Both those purchases I didn't made because I am located in XXXX XXXX and I never moved from XXXX XXXX or even travel over the country. 
I noticed those purchases on my credit card online banking and I called credit card company First National Bank of Omaha, immediately I have seen those fraud /charges. 
They told me that they will do investigation and send to me new card. They did send me new card and in same time fraud department send me denial letter signed by XXXX XXXX ( XXXX ) XXXX I called back and spoke with XXXX regards my claim denial. He was very rood and unprofessional and said that ether me or someone else from my household used card. 
That is not true all my purchases was in XXXX XXXX, actually only one XXXX XXXX XXXX  in XXXX XXXX in amount {$33.00} and I paid that amount

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 2020-04-13 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Hi. Ive notice a hard inquiry on my credit report that is dated XXXX XXXX. Its listed as SYNCB / national credit cards/ airlines Ive tried calling XXXX and other credit companies and havent gotten a response. Ive never opened that account nor have i done anything to get that account to appear on my credit. I used XXXX XXXX  to check my scores.

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 2020-04-13 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: Innovis
State: OH

Complaint narrative:
I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX XXXX  and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX , I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX XXXX  and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX # XXXX   XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX , I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: MD

Complaint narrative:
Greetings, I have settled with XXXX XXXX but they have NOT removed the information from my credit report. I also need the following information removed from my credit report because it has already been more than 7 years, so it is pass the special limitations. 
1. XXXX XXXX 2. XXXX XXXX XXXX. XXXX 4. XXXX I really appreciate your assistance in removing these negative items from my credit report. 

Thank you. 
XXXX. 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 2020-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
The responses by Delta Management Associates to complaints filed on the CFPB website do not match the responses given by XXXX XXXX ( XXXX XXXX ) during a recorded phone conversation made by both parties on XX/XX/2020. 

Ms XXXX said the XX/XX/2020, garnishment would be refunded per the CARES Act. This information differs from the statement made by Delta Management to my CFPB complaints XXXX, XXXX, and XXXX. 

Delta Management has previously stated in response to my complaints that the wage garnishment on XX/XX/2020, would not be refunded. However, Ms XXXX stated during our phone call that the information provided by Delta in the complaint was incorrect. 

Ms XXXX stated the wage garnishment on XX/XX/2020, would be refunded. Which answer is correct? The answer provided by Ms XXXX or the XXXX who responds to the complaints? 

Delta Management claims to have sent a letter to my employer on XX/XX/2020, but my employer has not yet received the letter as of XX/XX/2020. Delta Management is unable to provide proof of delivery. Delta faxed and emailed the letter only after a complaint was filed. 

Furthermore, in regards to my garnishment appeal via XXXX, Ms XXXX stated that my garnishment should have been reduced to {$5.00} per pay period, since XXXX had found my financial situation qualified for the lower monthly garnishment. 

Ms XXXX comment confirms my previous complaint that XXXX and Delta do not take financial status into consideration and only use the maximum 15 % allowed under the law. 

In addition, Delta Management did not inform me that I had to contact them to request the wage garnishment freeze nor did they make mention of this in previous complain responses. This differs from information provided by Ms XXXX. 

Information provided by Delta Management in their complaint responses is not congruent with the information provided by Ms 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 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I tried making a payment on line but never received my credit card with the account number on it. My bill does nt have the full account number on it. I spoke with a representative of city bank the institution that i have the visa credit card through. The representative said she would send me the credit card 4 weeks ago. I have not recieved the cards. I cant make a payment over the phone and access my account without the account number. I sent a payment in by check but it was late. Citi bank charged me a late fee. I cant use the service they provide as an alternative method of payment without the account number. I believe they purposly dont send the card so you'll be late on the payment. This isn't fare. I can send it in by regular mail no problem but this is deceptive. I want the cards and the late fee removed. I cant even use a card I dont have. The account ends in XXXX thats all info they give you on the bill. And I cant get anybody from customer service on the phone.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
The American Express Serve Card system has been down sinceXX/XX/2020. I am not able to log on the mobile app or from a desktop.  The error message is that the system is down for routine maintenance. I never received a email or notice regarding this routine maintenance. Next I tried to call the customer service number ( XXXX ) XXXX. It gave me a busy signal. With repeated calling I once got a recording saying long wait times. I left my phone on speak and hung up when it got to one hour. I am not able to find any other way to get in contact with them. 
My COVID-19 stimulus direct deposit was sent from the IRS on XX/XX/2020. It is not showing in the account. 
Im a XXXX  XXXX  and in need of the funds. Please address this issue as soon as possible.

Company response to consumer: Closed with non-monetary relief