vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: LEXISNEXIS
State: TN

Complaint narrative:
Vetting Agents - I was told to submit this way due to no topic that fits. 
2 Years ago I was told the LexisNexis.com product line was being used to VET agents, the fair credit reporting act allowed them to do this daily and share our information with millions of employees and contractors in the USA and XXXX and other countries they accessed our personal information SS #, DL #, CreditReports, HomeAddress, DOB, last know address and associates. daily and sometimes multiple times daily. 
I am a XXXX employee XXXX. 
In order to get help we have to disclose our cell number so they can VET us by texting us a code that we have to repeat back to them, in order to receive a code they go into the LEXISNEXIS portal and ask us personal questions that we have to give them the answers to. The same information required when getting a loan or car insurance. 
we are asked this no matter if we are in a public place around people whom have no right to our private information, our clients have no right to our private information. 
After many complaints, We were then told it had to be our billing address belonging to our Cell Phone, I changed my cell bill legally to my XXXX, and they refused to accept it saying fair credit reporting required us to use our home address, then we were told it had to be our personal address where we lived. 
But then later they starting asking for DL #, model make color of our cars and address where we have lived. People or Companies we may have been associated with in the past. 
We have the expected right to privacy just like any Agent on the street. This portal is being accessed by millions whom have not been given permission nor should ever have it for this VETTING purpose. This function has nothing to do with our private information. 
I contacted the state of Tennessee on many levels, our local Court House, XXXX, XXXX the United Postal service, they were all asked the same question do sell my private information or give it to anyone? They all said no that this is public information? but none of them could tell me where you can find my SS #, DL # Home address, Cell number, in public or on the internet, without some kind of written consent from me. I have not given LexisNexis consent to have my private information much less distribute to millions who can access their portal who also do n't have my consent to do so. I contacted LexisNexis asked them to remove my information from their system 2 years ago it has yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Credit was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC
State: CA

Complaint narrative:
I received an email from a random person from the " student loan help center '' in Florida, saying they can help me get my loans forgiven because of my XXXX position. I was sold on the idea and now they are asking for 3 monthly payments of {$260.00} in order to get the paperwork started to have a monthly payment of {$0.00} for 120 payments. I knew something was fishy as soon as I got off the phone with them and they took down my card information and I never received an email confirming anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Data Check of America LLC
State: FL

Complaint narrative:
A company called Data Check Services contacted me regarding a supposedly returned check from XX/XX/1995 in the amount of {$10.00}. To my knowledge I was never contacted by the bank to collect any insufficient funds. The bank is no longer in business. I 've advised Data Check this is a time-barred debt from 20+ years ago and to cease calling. They continue calling and have recently threatened a lawsuit and wage garnishment.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Clarity Services
State: CA

Complaint narrative:
I am current member of XXXX, XX/XX/XXXX I received an alert stating I have a new credit inquiry. Since, I am currently in the process of pre-qualifying for a home, I was very curious to see why there was an inquiry on my report. The name of the company is Clarity Services, there is currently an inquiry from them on my report. I distinctly remember the day before I unsubscribed from a least XXXX places in my email that were asking me to finalize payday loans. I attempted to contact Clarity Services on more than one occasion, each time I was on hold to speak with a representative for at least 30-45 minutes. I want the company to provide me with proof that I authorized them to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Carma Enterprises Inc
State: NV

Complaint narrative:
I have told Las Vegas finance numerous amounts of time as well as my Co workers that I am not allowed to have personal phone calls at work cause I can get terminated..they keep calling telling people I they are from Las Vegas finance.they even called my district manager.on XX/XX/XXXX. They do n't even say it 's a business matter straight to Las Vegas finance loan conpany.even after I 've told them I need more time to pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Chapter XXXX bankruptcy was discharged and my mortgage account was closed. However, I did not pay late and I have been paying it on time. Wells Fargo has not update my account even though they sent me a notification on XX/XX/2016 that a change will be made. I am just asking to report my payments. Thanks

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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.

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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureau ( Transunion ) placed a fraudulent address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX, on my credit file report, then starting reporting the fraudulent accounts and data on my credit file report. Although, I sent my identification that verified my current and former address as XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, the credit bureau continues to report the fraudulent account and report it as 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 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent Transunion a dispute about unauthorized inquiries on my credit report and I asked them to provide verification that the inquiries were authorized and they responded they were verified but did not show me proof. I filed a complaint with the BBB and TransUnion responded with the same response. I am asking that you force Transunion to provide their investigation documents verifying they indeed investigated this dispute. The inquiries in question are : XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017

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 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not pleased that TransUnion did n't resolve my issue with a credit card com- pany, XXXX XXXX, which I never had a card with. I understand they took over XXXX cards, but I always paid my bills on time and certainly was n't 3 months delinquent! They also had a telephone number with a Area Code XXXX for me and I have never lived in the XXXX area! This stuff is still the very first entry on their credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017 The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.

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 2015-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NPS GROUP
State: VA

Complaint narrative:
I am getting repeated calls from XXXX. The message left on my voice mail is a recorded message from " NPS ''. They have never identified who they are, who they are representing, and the nature of the call. If I owe a debt, I want something in WRITING that states who they are, who they are collecting for, and the nature of the debt. I do n't think that 's too much to ask. I will NOT give ANY personal information over the phone until I have all of this information in writing because I do n't know who they are. They can not expect me to give out personal information over the phone without proof of debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc.
State: MD

Complaint narrative:
On XXXX 2017, a letter disputing an item being reported on my credit report was delivered to Carmax in XXXX, GA. I requested that they investigate the account and return the results to me directly. After 45 days, I had not received a response and called for further information. They indicated that they had lost the letter. On other occasions, they attempted to collect a debt without disclosing that as an intention. On at least one occasion, this occurred on an outbound call. I would request that this item be removed promptly as is provisioned in the FCRA wben data furnishers are derelict in their duty under section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SMS Check Recovery LLC
State: TX

Complaint narrative:
Someone from " SMS Recovery in New York ( although I only know that by calling back ) says they have legal papers to delivery and want to set an appointment to bring them to my daughter 's house ( they keep calling her, my wife, my other daughter, my son, my son-in-law .... ) otherwise they will have to bring them by where she works. We have no idea what they are talking about and will only give us additional information if my daughter gives them her personal information. The Caller ID that comes up whenever they call is a fax machine for XXXX XXXX XXXX in XXXX, Texas. I called the XXXX ( the number left by " XXXX XXXX '', answered by " XXXX '', who told me the company and location but refused any other info unless I let him talk to my daughter. Not happening!

Company response to consumer: Untimely response
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Cohen & Cohen Law, LLC
State: NY

Complaint narrative:
Apparently I had a credit card from XXXX visa back in 2008. I know for sure my credit limit was no more then {$500.00}. I received a letter from the city clerk of the city north tonawanda XXXX XXXX of niagara today saying I 've been sued for {$3100.00}. They stated I have 20 days to make first payment, which is XXXX % of my total wages or their gon na contact my employer and go through them. I 've Google the credit card company XXXX, who I apparently had soo long ago, 8+ years ago and I found out this is happening to so many people. This company went bankrupt in 2008. Please I need help resolving this asap. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX service is on my credit report. I did a request for verification of a Speedy Cash loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the XXXX I did attempt to start business funding. My information was given to third parties. 

I did have phone contact with XXXX. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX. 

I did receive an email from Speedy Cash for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research Speedy Cash. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX. 

I have read many complaints about XXXX and XXXX. I ca n't find they are invested with each other. XXXX and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today. 

A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX XXXX called my home. He did give out XXXX was going to my home to serve me. Who will be my lawyer in XXXX TX. 

I drew up a legal notice to XXXX. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. XXXX had no permission to contact or send any packages to my lawyer. 

My attorney called me XX/XX/XXXX and told me that XXXX did get in contact with him to verify him as my lawyer. XXXX had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had fraudulent charges on my credit card in 2013 and could n't resolve the issue with Capital One. Capital One sent the invalid amount to debt collections and had XXXX XXXX XXXX XXXX. file a lawsuit against me, after I had disputed the debt and had not received any communication back regarding the dispute. They had XXXX XXXX XXXX XXXX. file suit in the wrong Justice of the Peace Precinct for me. I was never informed anything, never served for the lawsuit and only found out about it via a advertisement from a local attorney who was advertising to defend me in the lawsuit. I hired attorney XXXX XXXX to handle the case for me and had the case moved to the correct Justice of the Peace venue for me and had the case dismissed with predjudice. After which Capital One continued/continues to report this negative information on my credit violating the FCRA, and had XXXX XXXX XXXX XXXX. file another lawsuit in yet again another incorrect Justice of the Peace for me, which I found out again by another advertisement from an attorney offering to defend me. I then engaged XXXX XXXX to file suit against XXXX XXXX XXXX and Capital One for multiple and wilful violations of my consumer and civil rights. XXXX XXXX got the 2nd suit agaist me dismissed, but after which I lost all contact with him and he never proceeded with my case agaisnt Capital One and XXXX XXXX XXXX. I left the matter alone as I thought it was all resolved and the derogatory claims on my credit had been removed. But i 've recently tried to get credit and found that this is still be reporting in violation of the FCRA on my credit by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Goldberg & Peretti, LLC
State: OH

Complaint narrative:
I 'm not sure who this Company is but I received a unauthorized debit on my credit card from this company.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/2016, my father offered to pay my Citi card. He forgot when he had to have multiple back surgeries and the account fell a few months behind. I was never called, no letter received or email about the delinquency. I did not know my father had forgotten. My wife pulled my credit in summer of XX/XX/2016 and was shocked when she found how far behind I was. I immediately called in XX/XX/2016 and made a payment of {$100.00}. I also made a few more payments and enrolled the account into debt consolidation with " XXXX. " The contract with XXXX was accepted and signed by CITI before XX/XX/XXXX. The contract was ratified on XX/XX/2016. A payment had been made to CITI before XX/XX/XXXX. Another payment was made XX/XX/XXXX Payments have been made continuously since XX/XX/2016. The account is showing as Charged Off. I have been calling for months about this since I am actively paying the account and have been since summer of XX/XX/2016. Each month that I made a payment, CITI noted the Charge Off. CITI entered a contract to not charge off, accepted payments and terms they would not Charge Off the account. I have been calling for months and gotten atleast XXXX different departments who tell me different things. One says they didnt accept terms, another says they did but the charge off was before they accepted, another says there was an error on their part, and lastly the last phone center rep said that I was in PRE-Charge Off when the first payment was accepted. Reguardless, CITI is violating the terms of the debt consolidation agency, their own word and the law by accepting payments on an account that they claimed they never received funds for.

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 2017-03-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Costco switched exclusive credit card companies in 2016 from XXXX ( XXXX ) to Citi. We had our XXXX card setup for auto payments and were n't getting a paper statement. At some point we changed addresses and did n't think to update the XXXX card with the new address ( why would we, we were auto paying ). When Citi took over at Costco we had a balance on our XXXX account get transferred to Citi. The Citi company says they sent a statement to our old address, but we never received it, nor did we receive a phone call. Over the next several months ( XXXX through XXXX I believe ) our account received approximately {$130.00} of late fees and interest charges. We were finally contacted by a debt collector in XXXX. The debt collector gave us a number at Citi to contact for dispute. Upon calling XXXX Citi informed us they could n't comment on the account, it had been locked out by legal department. Only way to get any information and have the account unlocked so they could help was to pay the debt collector. After several calls we decided to pay the debt collector even though we were unsure if our account had fraudulent charges ( again, we knew nothing about the policy to send our account balance to Citi ). Upon paying the Citi we called back to the dispute department. After several weeks our account was unlocked but closed. The dispute team could n't refund our money and said there was nothing that could be done due to our account being closed. We submitted a letter to dispute and it was ruled in favor of Citi.

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