vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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: LEXISNEXIS
State: IN

Complaint narrative:
Lexis Nexus shows a court case with unpaid rent attached to my information. 
Ive submitted 3 investigation requests to lexis nexus since XXXX regarding incorrect information theyve attached to my ssn including a notarized not one in the same form. Ive contacted the courts and theyve stated they are not reporting information to lexis nexus but the company pulls data. There is no identifying information on the court documents beyond a first/last name and address. The address is similar to one I lived at a decade prior to this issue but not one Ive occupied. Ive contacted the landlord listed on the court documents and she has stated the tenant was related to their grandchild and is in their XXXX ; has no contact information for the tenant. 

Ive spoken to countless lexis nexus representatives and have been told requests have been filed, information taken down, nothing further can be done, no one else I can speak to, no further information needed, nothing I can do. 

Last request sent XX/XX/XXXX Name- XXXX XXXX XXXX XXXX XXXX 3rd dispute. 

Never lived at XXXX XXXX XXXX XXXX XXXX IN XXXX ; I lived at XXXX XXXX XXXX XXXX XXXX IN XXXX in XXXX. 

Was never a tenant of XXXX XXXX. 

At the time of this court case, I lived in the home I own in XXXX IN and my last name was XXXX. 

I have spoken with the XXXX County Courts regarding this matter on several occasions due to your inaccurate information ; they have advised the attached form. They have stated there is no identifiable information on this court case to link this inaccurate information to me. They stated they do not report information to LexisNexis, that LexisNexis pulls information from their database. 

This was a different person with the name XXXX XXXX. I have advised LexisNexis of this error multiple times and the company has refused to correct their records. This is a libel ; the company has been advised multiple times, documentation has been provided. Cease and desist reporting of unfactual data on my report immediately. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Receivable. Upon further research I found this was a debt purchased from XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$100.00} being that the debt was sold and bought for pennies on the dollar for the debt, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My landlord uses the website XXXX to manage rent payments. To utilize this, I must connect my PNC checking account to the site. When I tried to connect my checking account, I was presented with the message " PNC has made a change that prevents you from being able to link your accounts. '' This prevents me from paying rent. This issue must be rectified by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I appreciate the response to my inquiry. However, I disagree with multiple components of the response. I was never, at any point, contacted by Toyota to address any concerns for potentially late payments and/or credit markers. Each and every time I requested a deferment. Your records will show that I did request a deferment for other months, correct? Then please ask yourselves why would I have failed to do so for other months when I knew this would prevent a credit marker? I feel as though this reporting is unjust. I have dealt with Toyota on multiple occasions and the most recent accounts ( one was just under my wifes name ) never once had a negative payment. However, there were times when we neared one and never once received a call of any sort from Toyota. I also never received correspondence via mail but if I did, it would have been too late. These late payments are adversely affecting my credit score but I no longer have documentation to support otherwise given that it was 5 years ago. Instead, Im forced to rely on what I feel is faulty reporting and an attempt to cover the tracks of Toyota by insinuating that attempts were made to help me. I am very familiar with the process, as evident in deferments that were granted for other months but were documented properly, so why would I not have done that for other months? I also always paid and my account was closed in good standing. I had other payments that were recently corrected via Toyota on this account ( XXXX payments not yet due for removal ) so I know that mistakes were made previously leading me to believe that these are in fact inaccuracies. I request a reconsideration. If call logs can not be produced, then essentially it is my word vs theirs and given that theyve already shown to make mistakes, I will assume that I am correct. I didnt always have the most stellar payment history, but I KNOW I made these payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I put in my first dispute with Comenity Bank on XX/XX/2020 when my XXXX statement arrived and I did not see my rewards points credited. It is now XX/XX/2020, with no resolution and hours and hours on the phone with them. I have received only a partial credit for my original order of XX/XX/2020. The items get billed to my card as they ship and I have called over 10 times and spoke to many representatives to try to find out why all of my purchases weren't included in the correction to my rewards dispute and why they only credited a portion of my points, no one can explain it. They have given me different deadlines for them to resolve this ... 2 weeks, 60 days, and now 90 days. Meanwhile, I have had a {$2000.00} overpayment on my account from returns I have made and they are considering this a billing dispute so not only was I talked into a XXXX XXXX Credit Card by the rep to get points, which I still don't have, I still don have some of the furniture from my XXXX order and now I do not have my {$2000.00} that is just sitting as a negative credit balance on my credit card with them for over 30 days. They are refusing to reimburse it even though it has nothing to do with my reward points dispute. I finally spoke to a rep at XXXX XXXX on XX/XX/2020 who changed the last 3 to 4 items that had not already been shipped and cancelled them and reordered them under the rewards point coding versus the 0 % coding which is when my rewards points started to credit. But they returned items and took points away from me that were never credited. So I am negative over 3000 points, when they are the ones who owe my approximately 3000 points ( see attached for exact figures ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hunt & Henriques
State: CA

Complaint narrative:
On XX/XX/2020. 

A person that was trying to serve me papers harassed my family and I. They left legal papers outside my doorstep and not in my hand. They were outside the apartment building asking neighbors where I lived and then was Stalking from the outside looking in to my door.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I hold a secured Amazon store card and was declined t make a request for a credit limit increase. Not simply declined by letter and underwriting, but declined by the phone associate who appears to be violating ECOA.

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 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/2020 I contacted Transunion and on XX/XX/2020 I contacted XXXX  to dispute a collection on my account. The company is XXXX XXXX XXXX. They notified me of a hospital bill I owed with XXXX XXXX XXXX on XX/XX/2020. I thought the bill was paid by insurance and that I met my deductible but it was not. By the time I verified the debt it was toward the end of XX/XX/2020. The company contacted me and I told them I intended to pay the debt and the next day I made the first payment. I made the final payment on XX/XX/2020. I understood that the XXXX XXXX XXXX  XXXX ( XXXX ) prohibits adding medical debt to credit reports until after 180 days from the time the account was reported to the credit reporting agency. It also mandates the removal of previously reported medical collections that have been or are being paid by insurance. It is a medical bill and I am unsure why Transunion did not wait 180 days before posting it to my account. If they were notified at the same time I was about the unpaid medical bill, it shouldn't have been placed on my account until after XX/XX/2020 which by that time it was paid.

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 2020-08-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian dropped my score by 31 points for no reason on XX/XX/XXXX. I have called several times and gone through their process twice and they still have not provide accurate information regarding my score. My ex husband moved to XXXX XXXX, Illinois and had several P O Box addresses. I never lived in XXXX XXXX, Illinois nor have I ever used a P O Box. This is one of the problems. They keep telling me that The XXXX XXXX XXXX XXXX keeps reporting the information as accurate. My ex filed bankruptcy back in XX/XX/XXXX. XXXX and the credit union was notified. Experian keeps caring the debt, along with his information on my 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 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2020. 

A person that was trying to serve me papers harassed my family and I. They left legal papers outside my doorstep and not in my hand. They were outside the apartment building asking neighbors where I lived and then was Stalking from the outside looking in to my door.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/2020 I contacted XXXX  and on XX/XX/2020 I contacted Experian to dispute a collection on my account. The company is XXXX XXXX XXXX. They notified me of a hospital bill I owed with XXXX XXXX XXXX on XX/XX/2020. I thought the bill was paid by insurance and that I met my deductible but it was not. By the time I verified the debt it was toward the end of XX/XX/2020. The company contacted me and I told them I intended to pay the debt and the next day I made the first payment. I made the final payment on XX/XX/2020. I understood that the XXXX XXXX XXXX  XXXX ( XXXX ) prohibits adding medical debt to credit reports until after 180 days from the time the account was reported to the credit reporting agency. It also mandates the removal of previously reported medical collections that have been or are being paid by insurance. It is a medical bill and I am unsure why XXXX  did not wait 180 days before posting it to my account. If they were notified at the same time I was about the unpaid medical bill, it shouldn't have been placed on my account until after XX/XX/2020 which by that time it was paid.

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 2020-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
My husband and I were trying to get a mortgage loan XX/XX/2020 through Loan Depot lending. We were told that my husband qualified for a FHA loan due to his credit score of XXXX. My score was a XXXX but I didn't qualify because I had late payments within a 12mo. Period. We were told to find a house pay {$500.00} Earnest pay, {$420.00} inspection fee and {$220.00} Appraisal fees. We did all that and when it was time to close we were told that the closing cost would be {$6000.00}. We saved the money and a couple of days before closing we needed to show proof of two times that amount BEFORE they could submit the application to the underwriters. We are now out of all this money and was told we can't be refunded due to the fact that we canceled our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have an account with USAA bank and had a previous additional account holder. The additional account holder was removed ( or should have been removed from my account over a year ago. On XX/XX/2020 I was alerted that my account balance had been totally taken to XXXX. After contacting the bank I was told there had been two transactions made by the previous account holder transferring all funds in my account to a account he had just opened. I immediately told the representative this was unauthorized and to return my funds. I was told he was never removed from my account so there was nothing I could do about it. I asked to speak a supervisor and was given a lead. The lead repeated the same thing as the representative and I again requested a supervisor. A supervisor contacted me the next morning XX/XX/2020 stating that USAA made a mistake they located all the documentation ( it was misfiled ) to remove the previous account holder and my funds would be returned. A week later I still had not received my funds back so I called back and was told that it was determined that there was no fraud and the case was closed with the previous account hold still on the account. After speaking to several people they apologized again removed him changed the address back to the correct address and sent it back to the fraud department to review and return my money to my account. I just received a, letter dated XX/XX/2020 stating once again that after review they determined the there was no fraud. I have no idea how anyone can come to the conclusion that there was no fraud committed when this person was supposed to be removed from my account a year ago and was allowed to transfer over {$3500.00} from my account without my knowledge. I have filed numerous claims stating this transaction was unauthorized and am willing t file a police report if needed. The bank has admitted fault more than once but yet I an still fighting to get my money back because of their mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America credit card was closed without notice despite having a XXXX  balance and being a customer of Bank of America for over ten years. I was sent a letter on XX/XX/2020 for the basis of the account closure. 

Some of the basis for the account closure stated in the letter are completely inaccurate and wrong and based on incorrect information. 

Having an account closure without notice has severely affected my credit score leading to detrimental affects.

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 2020-08-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. This apartment complex has been shut down by the state of alabama for various criminal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I've had a great relationship, or so I thought with Discover. They decreased my credit limit!! I've even paid this account off numerous times, and this is the thanks i get!!! They're practically stalking me via my financial information, and I always make WELL above the minimum payment!!!!!!!!!!!! In this midst of this pandemic, this is unacceptable.I 've had lower credit scores and high balances, and now they're doing this to me!!!!!!

Company response to consumer: Closed with explanation