vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 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: LEXISNEXIS
State: TN

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name isXXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the XXXX19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX XXXX XXXXNC,XXXX,XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX SC,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens One Home Loans is refusing to review documentation I sent them proving my financial hardship is over and blatantly lying to me, and the department of housing and urban development. 

Their loss mitigation team claims the PDF 's I sent them are " password protected. '' I CC 'd a local branch manager on the email I used to submit them. 

I went into the branch today and he opened them in front of me at the bank today. They were not in fact password protected. 

I called loss mitigation on a recorded line with a Housing and Urban Development Counselor and we phoned in the branch manager, asking if they had a fax machine I could fax these documents on. 

There is a recording of the branch manager saying the documents were not password protected, and the call center employee saying his back end team could not review the SAME documents because they were " password protected '' It is not possible for the three PDF 's to be both " password protected '' and not " password protected at the same time '' They have been lying to me and giving me the run around for 12 months now. I have been calling loss mitigation non-stop and they give me a new scripted excuse as to why no one is capable of taking 15 minutes to review my file.

I am going into citizens bank tomorrow to fax these documents to the five fax numbers I was given today, but I have no reason to believe they will actually admit to receiving these documents, since I have uploaded them eight times on both their website and email over the last year and every time I call there is a new excuse for why they are unable to give me any information. 

This is organized white collar crime, they are holding my mortgage XXXX  and this needs to end. I will be filing a much more detailed complaint later this week. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: VA

Complaint narrative:
West Creek Financial on XX/XX/2020 report an account as an Closed/Charged Off on my Consumer Report and this is a violation of my Constitution Rights. For 15 USC 1681 ( b ) ( A ) ( 2 ) states " Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. '' I never in no way shape of form gave West Creek Financial permission to present any Consumer Report on my behave so i want this this reflection report from them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I noticed several violations against me as a federally protected consumer. These violations appear on my consumer report and are a violation to me as a federally protected consumer, I the original creditor did not give navy federal permission to close my credit card and this was done without my knowledge I demand navy federal provide me with a new credit card and new account number with access to the credit line I previously had seeing that these balances have been paid in full I should be granted access to the available credit I allowed navy federal to extended to me. I demand that navy federal update all of these accounts as paid as agreed and remove any negative reflecting information regarding these accounts ie remove all late payments as remedy for the violations against me as a federally protected consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
Around XX/XX/2021 I received an alert the my credit score had dropped, I quickly reviewed my credit report and found an account being reported as delinquent. This accounts shows as XXXX XXXX, the amount owe apparently is {$440.00} The account is being collected by a collections agency called Convergent. I contacted XX/XX/XXXX multiple times and they were unable to assist me, they were asking me to provide a password for an account that is not mine. I explained to the agents that this was not my account, I only have one account with XXXX XXXX and that account has an impeccable payment history. I have never requested to have an additional account, nor have I live in a different address for the last 20 years

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 2021-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
What about four weeks ago I started a refinance on a VA loan with Rocket Mortgage. It was supposed to close quick and then one thing led to another and they switch the loan on me to a different type of VA refinance loan! They keep asking me for paperwork that I just dont have and doesnt exist. Theyre saying they cant verify my income meanwhile I am in the air guard reserve and Im going to school on the G.I. Bill. They keep asking me for orders my orders and I keep telling them I dont have orders Im in the XXXX XXXX XXXX! Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
FAILURE TO FOLLOW STEPS IN DISPUTE TO AND UNABLE TO VERIFY Pursuant to 15 USC 1681i The term consumer reporting agency in the FCRA means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

I am the original creditor/consumer, and pursuant to 15 USC 1681b ( 2 ) - a consumer reporting agency can only report with the written consent of the consumer to whom it relates. Let me break this down. Only I the consumer have the choice of whether I want any of my information to be reported and shared as public information since I know reporting is actually optional, and I also possess the right to privacy. According to 15 USC 1681a ( 2 ) ( A ) ( i ), a report containing information solely from a transaction or experiences between the consumer and the person making the report shall be EXCLUDED from a consumer report. 

As a consumer I wish to keep my right to privacy private, meaning any information that came out of a private consumer credit transaction. 

According to the above definition of what a consumer reporting agency is, wouldnt it mean fraud on their part for participating in whole or in part in the practice of collecting my consumer credit information or other information on me the consumer for the purpose of providing that information to third parties without permission? Does this not sound like fraud? I did not give consent to TransUnion, nor do they have my authority to store or share my information with any pe

rson. 18 USC 1028A ( a ) ( 1 ) says whoever during and in relation to any felony violation, knowingly transfers, possesses, or uses without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced. 

I made my dispute to TransUnion which was delivered on XX/XX/2021 via certified mail return receipt. They have since fail to follow all the required procedures according to USC 1681i ( 2 ) ( A ) by not by not providing notification of the dispute as well as recording the current status of the dispute.

Promptly delete the items mentioned in the dispute along with the information pursuant to USC 1681i ( 5 ) ( A ) ( i ) and mail me an updated copy to my address.

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 2021-06-16 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 deragatory information provided. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt. 

This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested.

This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you. 

It would be ideal if you provide me with teh following : * What the money you say I owe is for : XXXX Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Mercedes Benz Financial Services
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2021 deragatory information provided. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt. 

This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested.

This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you. 

It would be ideal if you provide me with teh following : * What the money you say I owe is for : XXXX Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I opened American Express XXXX XXXXXXXX XXXX card in XXXX. Since then, I clearly met the minimum spending requirement well ahead of the 90 day period ( {$3000.00} ) and have spent {$200.00} at home furnishing stores. The advertised promotional sign up bonus was XXXX XXXX XXXX + {$200.00} credit back for the purchase I made at XXXX XXXX. The agent confirmed that I am eligible to receive the offer when I inquire the timing of the offer, but later changed their stance stating that I was never eligible for the offer and stated that I consented to it. Which is not the case. I opened up an investigation and received another, yet same result that I was never eligible to received the offer on XX/XX/2021, again which I never consented to and the agent was able to confirm it at one point. Fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
It is showing 3 XXXX XXXX XXXX accounts on Chexsystem and one even shows the wrong social security number I have disputed these and they still remain on my record I have contacted XXXX XXXX XXXX they have sent me information showing accounts at addresses that I never lived at they show my social security number but they dont belong to me

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 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XXXX, we obtained a loan in the approximate amount of {$260000.00} through XXXX XXXX XXXX secured by our principal residence at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. From loan inception until sometime in XXXX, the loan was serviced by XXXX XXXX. We set up auto-pay through XXXX XXXX XXXX  paying : {$2200.00} ( principal and interest of {$170000.00}, plus {$500.00} additional principal ), then in XXXX, {$2500.00} ( principal and interest of {$170000.00}, plus {$700.00} additional principal ), then in XX/XX/XXXX, {$3000.00} ( principal and interest of {$170000.00}, plus {$1200.00} additional principal ). 

In XXXX, NewRez took over as the loan servicer. Instead of applying the additional as principal pay-down, NewRez applied the additional principal payments towards future loan payments due. In XX/XX/XXXX, I noted the next payment was not due until XX/XX/XXXX. I immediately contacted NewRez explained the situation and was assured it would be handled. Email dated XX/XX/XXXX from NewRez attached. 

Unfortunately, it was not handled. NewRez did not auto pay itself for XXXX. 

XXXX XXXX has a credit score service that allows members to check your credit scores periodically. Our credit score went from XXXX in XXXX and XXXX in XXXX to XXXX in XXXX. It has taken us our entire working lives to build a XXXX XXXX of XXXX. According to the credit report, there is only one reason for the credit score to a fallen XXXX points. 

I have contacted NewRez on two occasions. On each occasion the NewRez representative acknowledged the error and advise that it would correct the information to the credit reporting agencies. NewRez has done nothing in terms of submitting any information to the credit reporting agencies.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
In XX/XX/2017 I purchased a XXXX XXXX motorcycle from XXXX XXXX on XXXX XXXX in XXXX XXXX Nevada. I traded in my old bike for an amount of {$3700.00} which was applied to my new loan and a 72 month term with a monthly payment of {$290.00} which I've agreed. I asked for a copy of the contract but was told it would have been mailed to me after the first payment. The contract never came. Last month I requested a payoff amount where Ive learned from XXXX XXXX XXXX XXXX that my loan is over half a decade from being paid off. Someone from they dealership added or changed the length of loan term from 6 years to 10 years and the bank has the motorcycle listed as an RV in their system. Ive tried filing complaints with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX but I am unsuccessful in getting any type of actions or results. I never seen the actual contract at the dealership but liabilities and my trade Ive signed. After 4 years I was emailed a copy of the contract with a signature agreeing to a 10 year contract which I promise I didn't sign and was never aware of until recently. I am asking for help in this deceptive trade practice from XXXX XXXX sales associates and have them cover the balance for the additional 4 years of payments they have secretly attached to my loan. This is the second time in 2 years Ive had a dealership associate alter documents to sell a car which I have recently just gotten off my credit after a lengthy investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is ARS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ARS ACCOUNT RESOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS ACCOUNT RESOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, ARS ACCOUNT RESOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ARS ACCOUNT RESOLUTION is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ARS ACCOUNT RESOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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