vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: SC

Complaint narrative:
I ordered my consumer report from LexisNexis online several months ago and there were name and address errors on the report. I contacted LexisNexis by telephone and disputed these errors with one of their customer service agents. I also placed a security freeze on my LexisNexis file. I was given a consumer and case number that matches both the dispute and security freeze file. I received a Security Freeze Confirmation letter on XX/XX/2020. On the Results of the Reinvestigation letter LexisNexis sent me on XX/XX/2020, LexisNexis said they verified that a bankruptcy case was accurately reporting on my LexisNexis XXXX report. On XX/XX/2020, I sent LexisNexis a certified letter with return receipt service requesting the Method of Verification that was used to verify the bankruptcy case that they stated had been verified by them using the assigned consumer and customer number according to the Fair Credit Reporting Act. Within 15 business days, LexisNexis did not send me a description of the procedure they used to verify the bankruptcy or the business name, address, and telephone number that they contacted to verify the bankruptcy case with. What I received from Lexisnexis was a letter that said additional information was required to process my request. They attached a blank Lexisnexis Request Form with a different consumer and case number to be completed and mailed back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
We paid off our mortgage ( {$430000.00} ) with Roundpoint Mortgage by wire transfer on XX/XX/20. Legally they were required to return our escrow ( {$8000.00} ) within 20 business days. It came at the beginning of XXXX, though the check was dated XX/XX/20. 
First they said it was the USPS 's fault, then when we found & emailed a copy of their envelope with a metered mail date of XX/XX/20, they insisted it was not their own postage meter, but the Post Office 's and that the Post Office must have held onto or " lost '' it. We took the envelope to the Post Office and they said it was NOT their stamp. This means Roundpoint did not send us a check until 34 business days later instead of the required 20 days. Now they insist that the USPS made a mistake and must have kept the envelope for a while and then returned the envelope to them & then Roundpoint sent it to us. 
They made interest off our " stolen '' money, but more importantly, they probably do this routinely and are therefore making tons of interest by paying escrows late. I believe this may be the case given how the people I spoke to seem to be trained to come up with one excuse after the next and deny, deny, deny. 
Can anything be done to Roundpoint? Are there other complaints about them doing this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: CA

Complaint narrative:
These accounts were disputed with TransUnion and XXXX but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedMar XXXX Balance {$740.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilAug XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilJul XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX Highest Balance {$1400.00} TermsNA On Record UntilAug XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} XXXX Months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: LEXISNEXIS
State: CA

Complaint narrative:
These accounts were disputed with XXXX and XXXX but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedMar XXXX Balance {$740.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance UpdatedXXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilJul XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX Highest Balance {$1400.00} TermsNA On Record UntilAug XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} Terms24 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, LLC is sending notices and tainting my credit history with a fraudulent account. I never opened the account their reporting and I have explained that my ex-wife had opened accounts without my knowledge throughout the marriage and in our divorce in XXXX  she stopped paying them. I didnt come to find out until years later as is this account. Id appreciate it if this account was removed from my information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have received repeated, frequent phone calls from Navient over someone else 's debt. I have submitted complaints with the CFPB in the past, as well as with the FCC. I have also spoken with Navient directly and they assured me I would be on their do not call list, yet the calls continue. 

They have called both my personal cell phone and my workplace. Again, this is over debt that is not my own. Today, Navient called me twice. 

It is not acceptable to be harassed by a debt collector over someone else 's debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reviewed copy of my credit report and I show that inquires listed on my report are inaccurate, or may be fraud.

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 2020-11-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A late payment is reported on my credit report. XXXX had my wrong address, I wasn't receiving any mail-in statements or bills. Online website was changed and I was unable to see any payment requests.

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 2020-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I applied for and received a loan with XXXX. When Covid hit not only was I on XXXX  leave, but was laid off due to the shut down in California. I have notified XXXX  of both as there was going to be times I was going to be late on payments etc. Currently XXXX is in possession of my car illegally and the fees required to retain my vehicle are paid. XXXX has refused to give me a statement of accounts, saying that i should have copies. I do have emails with the copies attached, yet they have deactivated the link to the documents and have not responded to my request for access. To date I have payed well over {$5000.00} and I have been told by two employees that none of what I have payed has been applied to the principle of the loan, just the interest. I requested a settlement quote and was told that the amount owed on the account was over {$8000.00}. I have XXXX children and can not be without my vehicle. XXXX are crooks!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have two charges on my credit card from Equifax. I called them and was told only one charge is coming through from Equifax when my credit card shows two charges. Equifax only sees one. I spoke to the bank and they told me to call Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
A lawsuit was won against Santander and I fall under the criteria for loan deletion off of my credit report based off of -the time frame I opened my account with Santander -credit score & income at the time of loan signing -falling delinquent and repossession under 12 months after signing - high interest rates I was a XXXX year old victim of predatory practices by Santander. I did not have my job for more than a month, not enough income, no down payment, bad/little to no credit, no drivers license, a trade in with no title. Etc talked into a contract with Santander because they were the only bank that would accept me. 

I have contacted Santander on multiple occasions to inform them of not completing my credit deletion despite mandatory order. They will not do it and wont tell me why they wont even though I fall under the judgment criteria. They wont send me any paperwork requested or provide me with my credit information at the time of signing. I disputed with XXXX  and spoke to XXXX. XXXX refereed me to Santander and Santander refereed me to AG Virginia. XXXX does not handle credit deleting only the restitution payments. I was told to file a complaint again. 

Account opened XX/XX/XXXX Behind on payments XX/XX/XXXX Repossessed XX/XX/XXXX On top of non quality consumer. 
Credit/income etc. 

I have all credit information showing I fit under the criteria for loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX has sold an old debt ( {$1400.00} cell phone bill ) from XX/XX/XXXX-XX/XX/XXXX to numerous debt collection companies as if it was current. I have not used XXXX since that time, as my cell phone carrier. The companies are falsely reporting and then selling to other debt collection companies that is continually affecting my credit, credit scores, and my life! It has reduced my chances of improving my creditworthiness for more than the statute of limitations due for this debt!

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 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
AXOS BANK CHECKING, IS HOLDING MY DEPOSITS FOR NO REASONS AND WHEN ASKED ABOUT THIS SEVERAL TIMES THEY KEEP SAYING MY ACCOUNT IS UNDER REVIEW THE ACCT WAS OPENED IN XX/XX/2020, THEY ASKED TO VERIFY MY INFO I DID, AND THEY SEEN I WAS A WHITE MALE AND SUSPENDED MY ACCOUNT FOR NO REASONS GIVEN, THIS CHECKING ACCOUNT HERE WAS BASED ON MY RACE I HAVE HAD THIS ACCOUNT SINCE XXXX AND NO ADVERSE ACTIONS ON THIS ACCOUNT UNTIL I MADE A BIG DEPOSIT THEN THEY VIOLATED ME AND MY CIVIL RIGHTS. I DONT THINK THEY SHOULD BE DOING THIS TO INDIVIDUALS AND GETTING AWAY WITH THIS TYPE OF CONDUCT, AXOS BANK IS HOLDING MY MONEY FOR ALMOST A MONTH WHICH IS TERRIBLE TREATMENT. I HAVE ASKED REPEATEDLY IN WRITING TO SEND ME A CHECK ON THE BALLANCE AND DESTROY ALL MY DOCUMENTS AXOS BANK IS A PREDATOR AND A VIOLATOR OF MY RACE AND CIVIL RIGHTS. THEY REFUSE TO RESPOND. PLEASE ASSIST TO PUT THIS IN CLOSURE. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: 4M Collections, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX, SOLVERITY add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOLVERITY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion is continuing to ignore the law. They failed to look into a complaint filed in regards to misleading and inaccurate information on my credit report. The issue is the reporting of a dismissed chapter XXXX bankruptcy on my report. I have submitted a formal complaint with them. And as expected. I received a generic response to a real issue. The company has responded that they will contact the company who furnished the information. As I stated in my complaint. My issue is with the reporting of inaccurate public information on my reports. Therefore there is no company to verify anything with. I have corresponded directly with the local bankruptcy court. And they have confirmed that they do not report or share any information with any credit reporting companies. With that being said any and all information that they may be reporting would be deemed as hear say and can not be confirmed as accurate. I am asking that under FCRA section 611 ( a ) ( 7 ) they provide how they have verified this information. No one other than the court has completely accurate information on this matter. Once again I am now demanding that this be removed from my credit report. My next course of action shall be legal court proceedings.

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 2020-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Students Come First
State: MA

Complaint narrative:
I began using " Students Come First '' website : studentscomefirst.us Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They claimed that if I payed XXXX dollars a month for the next 6 months, My student loans that are currently in Federal Default, qualify to be forgiven. I can not find any information on the company, no complains or statin it is a scam. I have been contacted by an XXXX XXXX and a XXXX XXXX, in regards to the process. I have tried calling them back and emailing them, and no one answers. I have already paid them almost {$500.00} in the past and I need to know if this is a legit company. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: MI

Complaint narrative:
XX/XX/2020 I received an unsolicited USBank ReliaCard ( VISA  debit card ) in the mail with a welcome message asking me to activate this new card. I am not unemployed and did not apply for any unemployment benefits. I tried to call USBank twice today ( XXXX20 ) but I could not get through to anyone without first activating the card which I will not do. Nor will I give them my SS number in order to speak with someone. Someone may have fraudulently applied for unemployment benefits using my identity. I don't know of any other way to resolve this issue than to start with the bank that is issuing this debit card.

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 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I dam not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police 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 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I have a problem with PNC everytime i make a huge purchase that's around XXXX dollars on electronic goods PNC always blocks my card and everytime i call it gets very annoying that i have to approve the purchase to make it go though even though I HAVE THE CARD IN MY POSSESSION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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