vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 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: LEXISNEXIS
State: MI

Complaint narrative:
DOES ANYONE AT LEXISNEXIS ACTUALLY READ THESE COMPLAINTS?? OR JUST SEND OUT " CANNED '' RESPONSES? I HAVE ASKED SEVERAL TIMES FOR LEXISNEXIS TO REMOVE A CHAPTER XXXX BANKRUPTCY FROM MY CREDIT REPORT. 

I HAVE NOT ASKED FOR IT TO BE " VERIFIED '' I AM ASKING FOR IT TO BE REMOVED. 

According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for up to 10-years from the filing date. the filing date was XX/XX/XXXX. 

There are some KEY PHRASES in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 
2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

Since the filing date was XX/XX/XXXX it will be REMOVED XX/XX/XXXX. 
I am requesting it to be removed now according to the FCRA. 

LEXISNEXIS stated in their last response the following : Mr. XXXX   name, previous address XXXX XXXX XXXX XXXX, MI XXXX and full social security number reported to LexisNexis by the nationwide consumer reporting agencies. 

In this above statement, again LexisNexis is " VERIFYING '' the info and that is NOT what I question. WHAT I AM ASKING THEM TO " VERIFY " IN THEIR STATEMENT ARE, THEY INDICATE THEY RECEIVED MY INFORMATION BY THE " NATIONWIDE CONSUMER REPORTING AGENCIES '' WHO? WHICH ONES? 

This statement contradicts what they state in their canned responses in the past that they get the information from XXXX. I have attached a letter that the bankruptcy court has sent to me that they do not report to credit reporting agencies. 

As I stated in this letter I want the bankruptcy removed and if LEXIS NEXIS can not remove it than I ask WHO has to remove it or WHO do I have to call to have it removed as it has 99. % reached the MAXIMUM time limit from the filing date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: MA

Complaint narrative:
I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my Experian credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. I filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. I also put a seven year fraud alert on my credit report.

I disputed these activities and sent the necessary documentation, which prove that I was not in the US when these accounts were opened, to both the credit bureaus and to the companies.

Despite all these efforts, Experian still keeps the record of a car loan account with the XXXX XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I was abroad. This affects my life very badly because of the damage done to my credit history.

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 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/XXXX I made a deposit through the ATM a check for {$75.00} from XXXX XXXX made out to XXXX XXXX XXXX XXXX was caught in the machine Debit card associated with this transaction. I called Key bank that evening and the customer service rep told me it would take 2 days to clear up. On XX/XX/XXXX I went into Key Bank and I was told they had the check. I talked with a woman XXXX ( not the correct spelling of her name. She called me on XX/XX/XXXX and told me the were depositing this check into the account. THIS NEVER HAPPENED. I went to the bank on XX/XX/XXXX The manager told me the check was in dispute, and she would have XXXX call me. Which she never did. Extremely poor Customer Service with zero follow through. I requested from the manager the check back ... the issue is still not resolved. I have heard nothing from KEY Bank. 

The name on the account is XXXX XXXX XXXX XXXX .... My name is XXXX XXXX. I am asking that this bank IS INVESTIGATED, and this problem is corrected immediately. 

Thank you for you timer in this mater XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: DISCOVER BANK
State: NC

Complaint narrative:
I received a copy of a credit report from XXXX. IT had two actions reported as Potentially negative information - one being late payment history.. My ID Theft Protection provider gave me information concerning making a late payment on an account that has been closed. The XXXX report shows the creditor as XXXX. I filed a dispute with XXXX but the results are not due yet. 

However, when I review the Credit Report there is an indication that the creditor designated may be wrong. I have reported this problem before and it appears as though no correction ( s ) were ever made. The credit world has specific account number designations one being that of DISCOVER. Their credit card no. begins with a XXXX- DISCOVER indicated that there is a LATE PAYMENT history made to Tractor Supply in XX/XX/XXXX. Reviewing the EXPERIAN report I received in XX/XX/XXXX. I noticed that XXXX generated a separate report that cited XXXX listing the first 6-8 digits or so of the credit card number.. When this information previously appeared on a credit report, I contacted XXXX and they told me that credit card designation was for DISCOVER ( XXXX ). This report has never been updated to correct the erroneous information included in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
DOES ANYONE AT XXXX ACTUALLY READ THESE COMPLAINTS?? OR JUST SEND OUT " CANNED '' RESPONSES? I HAVE ASKED SEVERAL TIMES FOR XXXX TO REMOVE A CHAPTER XXXX BANKRUPTCY FROM MY CREDIT REPORT. 

I HAVE NOT ASKED FOR IT TO BE " VERIFIED '' I AM ASKING FOR IT TO BE REMOVED. 

According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for up to 10-years from the filing date. the filing date was XX/XX/XXXX. 

There are some KEY PHRASES in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 
2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

Since the filing date was XX/XX/XXXX it will be REMOVED XX/XX/XXXX. 
I am requesting it to be removed now according to the FCRA. 

XXXX stated in their last response the following : Mr. XXXX   name, previous address XXXX XXXX XXXX XXXX, MI XXXX and full social security number reported to XXXX by the nationwide consumer reporting agencies. 

In this above statement, again XXXX is " VERIFYING '' the info and that is NOT what I question. WHAT I AM ASKING THEM TO " VERIFY " IN THEIR STATEMENT ARE, THEY INDICATE THEY RECEIVED MY INFORMATION BY THE " NATIONWIDE CONSUMER REPORTING AGENCIES '' WHO? WHICH ONES? 

This statement contradicts what they state in their canned responses in the past that they get the information from XXXX. I have attached a letter that the bankruptcy court has sent to me that they do not report to credit reporting agencies. 

As I stated in this letter I want the bankruptcy removed and if XXXX XXXX can not remove it than I ask WHO has to remove it or WHO do I have to call to have it removed as it has 99. % reached the MAXIMUM time limit from the filing date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
This complaint is being re-submitted, as the previous complaints resolution was not addressed to me ( They wrote to a different individual and their concern on my complaint. ). See CFPB Complaint Number : XXXX The card is issued through XXXX XXXX XXXX, and can be used for health-related costs. On XX/XX/XXXX, a refund was received on the card from a charge made on XX/XX/XXXX. This was long after the card was expired, and the card had a zero balance from XX/XX/XXXX until that refund was received. I contact the company twice to get a replacement card, and they haven't been able to send me a replacement. In both interactions, they have stated I will receive the balance of {$53.00} on a new card. However, I have not received the card yet. Relevant Case Numbers : XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/XXXX I received a letter for a debt We agree to the monthly payment. 
As our agreement, I make my first payment on XX/XX/XXXX. 

The next payment should be on XX/XX/XXXX, but in the time I received a notification from XXXX saying this company sends me to the collection when they do promise me by phone they won't If I do accept a payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Army and Air Force Exchange Service
State: CA

Complaint narrative:
XX/XX/2013 a XXXX account was opened with military star. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score

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 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION
State: PA

Complaint narrative:
My account was closed due to a XXXX balance for a couple months but I was not made aware that this would happen. Also, I enrolled for a {$250.00} bonus offer ( see attached ) and completed all the requirements but never received it.

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 2020-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
I have been attempting to complete a loan modification for over 3 years. SN Servicing unwillingness to work with me forced me to file a Chapter XXXX bankruptcy ; which I am currently in. However, I also have submitted to SN Servicing to complete a short sale of my home in XX/XX/2019. I received a fair offer of {$150000.00} which was the amount of SN Servicing BPO of my home value. The offer was reviewed and counter at {$250000.00} which was decided in XX/XX/2019. Since this time period I/we have been attempting to negotiate a reasonable purchase price ; however, the communication and response from XXXXN Servicing has went silent and they are now only requesting to have the bankruptcy stay released to  pursue foreclosure proceedings. I now have a ratified contract confirming a {$250000.00} purchase price subject to home appraisal. I am requesting assistance with SN Servicing to accept the short sale offer at a fair and reasonable priced based on market analysis of home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CA

Complaint narrative:
XX/XX/2013 a XXXX account was opened with XXXX XXXX. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score

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 2020-01-09 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XX/XX/2013 a XXXX account was opened with XXXX XXXX. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom mortgage allowed two escrow payment deductions from my account for annual property taxes. I worked diligently with the local county government to have this corrected and to have a refund check issued. The refund check has not been credited back to my account and I have sent communications to Freedom Mortgage.

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 2020-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: American Payment Holdco, Inc.
State: VA

Complaint narrative:
When XXXX XXXX closed my account ( account # ending with XXXX ) in XX/XX/XXXX, they decided to return the overpayment amount of my credit card of {$1200.00} electronically back to CheckFree Pay/Fiserv instead of sending me a refund check on XX/XX/XXXX. CheckFree Pay/Fiserv advised XXXX XXXX that I would be required to return to the location where I originally made the overpayment ( XXXX ) in XX/XX/XXXX to collect my refund and provided the trace number XXXX. But when I went back to the original payment location ( XXXX ) to collect my refund, none of the XXXX representative ( including the manager ) recognized the trace number and told me to contact CheckFree Pay/Fiserv. On XX/XX/XXXX, I then contacted CheckFree Pay/Fiserv External Customer Service Department at XXXX to address this issue and even confirmed with XXXX Customer Service Department about the refund of {$1200.00} as per CheckFree Pay/Fiserv protocol. On XX/XX/XXXX, I followed up with CheckFree Pay/Fiserv and escalated this issue to their Internal Department ( ticket # XXXX ). On XX/XX/XXXX, I followed up again with CheckFree Pay Customer Service Manager and was told that they still have no resolution as they were unable to locate my refund. On XX/XX/XXXX, I followed up again with CheckFree Pay/Fiserv Customer Service Manager and was told the same thing. I even tried to contact XXXX XXXX Solutions Department representative ( XXXX ) but he never returned my calls. It has been over 3 months since XXXX refunded my overpayment of {$1200.00} and neither XXXX nor CheckFree Pay/Fiserv can locate my money and that is why Im filing this complaint. Essentially, my money is now caught in a limbo between XXXX who claimed that they already refunded my money to CheckFree Pay/Fiserv but provided a bogus trace number that neither CheckFree Pay/Fiserv nor XXXX ( payment agent ) can recognize and CheckFree Pay/Fiserv who is unable to locate my refund in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MD

Complaint narrative:
My XXXX school student loans originated in XXXX while I was in XXXX school. I had begun my repayments in XXXX via XXXX repayment plan ( income-based ). I had also began filling our employment certifications for PSLF program and had been approved for the terms. For the first several years I was getting accurate counts for the number of payments I had made towards the PSFL forgiveness program. As of late XXXX, I noticed my monthly statements now reset and showed XXXX payments " qualifying for PSLF '', despite me continuallly sending updates each year for the " employment certification for PSLF '' form ( most recently on XX/XX/XXXX ). Over the past year and a half I have been calling myfedloan.org customer service and have been told that " this happens frequently happens to other customers as well but we are back logged and it will take quite a while to get someone to do a manual count ''. I have been told this exact phrase several times over the last year when I speak to customer service. I am hoping to reach out to you to help resolve this issue and obtain a manual recount in order to accurately obtain a PSLF payment count as I am coming close to my 10 year mark in the next few years. 

Thank you!

Company response to consumer: Closed with non-monetary relief