vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OK

Complaint narrative:
I contacted LexisNexis on XX/XX/2020 as old judgements, more than 5 years old and also were filed and discharged with Bankruptcy Chapter XXXX and XXXX. I sent in all the proper documentation from my attorney and also explaining the statue of limitations had also expired. I explained this was halting the closing on my home yet they still have not corrected any of the information. This information is no where on my 3 credit bureaus as they have all came off due to statue of limitations and they were in the bankruptcies. 

Contacted XXXX XXXX on XX/XX/2020 and left message for Bankruptcy department asking to remove the incorrect information of balance owed {$950.00} and reporting past due as this was included in Chapter XXXX payment plan and paid in full as agreed to plan. The information was removed from my XXXX  report however not XXXX  or XXXX. I have left messages daily again with the Bankruptcy department as and have received no communication. I have reached out to the local branch to the manager and have also received no communication stating this is not their problem. I have sent in all documentation pleading for help as I need this cleared up asap however zero communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: IL

Complaint narrative:
XXXX placed a permanent limitation on my account and kept all of personal information including my credit card accounts and banking information. There were purchases made through the account that I longer have access to in where merchants charged me for merchandise I don't have possession of and I am unable to dispute the transactions. These charges are a result of identity theft and I request that all the information be removed and blocked from the furnisher. 



The credit bureaus are in violation of the clear provisions of FCRA 605B ( c ) The  information should of been blocked within 4 days

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 2020-06-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

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 2020-06-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
I've been trying to get a written payoff quote from my mortgage company - PHH, serviced by XXXX XXXX for 2 weeks. I've submitted via their automated system and even called and spoken with a person. They said they've sent it but it never arrived via mail or fax. 

I'm trying to refinance and this has already delayed me closing on my refinancing with a new company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Last time when I forwarded a complaint to CFPB regarding Bank of the west or BOTW, BOTW took exactly 60 days to respond to my concerns, so this time I want to give them  a heads up in the beginning. 

I filed two disputed on XX/XX/2020 and I have proof of that, one charge was from XXXX   XXXX  for {$120.00} ( dispute amount ) and the other one {$3.00} I am just letting BOTW know about this through this platform, so later they don't come up and say that they didn't receive the disputes from me. 

Because they can come up and say anything. 

I am also attaching the emails I received on XX/XX/2020 from BOTW regarding my disputes.

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 2020-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
It ( credit report ) says : XXXX XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Open balance 14 SANTANDER Original creditor XXXX   Opened XX/XX/XXXX ( 3 yrs, 2 mos ) ( not true ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 14 SANTANDER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
Took out a {$570.00} loan on XX/XX/XXXX total debt to repay was {$1300.00}. Made bank draft payment of {$480.00} and wages garnished totaling {$940.00}. Monies paid on loan {$1400.00}. Contacted the company to ask why was I sent a wage garnishment letter on XX/XX/XXXX stating that the amount remaining was {$720.00} to be garnished but 4 months later, they sent a wage garnishment letter on XX/XX/XXXX that {$1200.00} was the amount to be garnished. I contacted AmeriCash Loans and revoked the wage garnishment in XX/XX/XXXX. Then on XX/XX/XXXX I contacted AmeriCash Loans and I was transferred 4 times before I got Ms XXXX and she proceeded to tell me that they regenerated the interest in XX/XX/XXXX. Then on XX/XX/XXXX, I complained to the Attorney General of Illinois and Missouri and then on XX/XX/XXXX I received a letter date XX/XX/XXXX from AmeriCash Loans that I still owed them {$790.00} on the {$570.00} loan. If I have paid {$480.00} in bank drafts, another {$940.00} in garnishments totaling {$1400.00} when debt owed was {$1300.00}. If they add another {$790.00}, that's {$2100.00} on a {$570.00} loan, which is 374 % in internet. The debt havs been paid in full and AmeriCash is still trying to collect more interest that they purposely keep regenerating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX placed a permanent limitation on my account and kept all of personal information including my credit card accounts and banking information. There were purchases made through the account that I longer have access to in where merchants charged me for merchandise I don't have possession of and I am unable to dispute the transactions. These charges are a result of identity theft and I request that all the information be removed and blocked from the furnisher. 



The credit bureaus are in violation of the clear provisions of FCRA 605B ( c ) The information should of been blocked within 4 days

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 2020-06-22 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: IL

Complaint narrative:
XXXX placed a permanent limitation on my account and kept all of personal information including my credit card accounts and banking information. There were purchases made through the account that I longer have access to in where merchants charged me for merchandise I don't have possession of and I am unable to dispute the transactions. These charges are a result of identity theft and I request that all the information be removed and blocked from the furnisher. 



The credit bureaus are in violation of the clear provisions of FCRA 605B ( c ) The information should of been blocked within 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In a previous complaint with CFPB ( complaint number XXXX-XXXX XXXX XXXX agreed to credit my account and remove the late reporting, well they never done it and still appearing on my credit report damaging my score for months. Because we have access to only one free annual credit report per year I only catch the problem now. 
The complaint was closed with the resolution they proposed but they never kept their word, this is causing me to pay a higher price for everything else because of a lower score and late payments marked on my credit very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC

Complaint narrative:
I reached out to ECSI via their contact us page 3 times and each time they closed out my request. I'm currently living and studying abroad and when I alerted the company ; instead of correcting my credit report as current and deferred, they closed all 3 cases. I live abroad and it is impossible with the time difference to contact them. During this pandemic is my school even completing any forms to show enrollment. What this company is doing is illegal, i even asked for a supervisor and instead they closed my request. 

XX/XX/XXXX - Ticket XXXX XX/XX/XXXX - Ticket XXXX XX/XX/XXXX - Ticket XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: RedBrick Financial Group Inc.
State: PA

Complaint narrative:
In XXXX, I had a sewer backup and the cost was high ; so my plumber applied for a loan for me with Redbrick Financial. I pay my bill on line and I receive a receipt plus my bank send me an alert when any monies is withdrawn. Reason being I have had my identity stolen twice and fir that reason I do not want any mail sent to my home. 

On XX/XX/2020, I received a confirmation of my payment in the mail ; however I had already receive the confirmation online for which I printed out. After receiving Redbrick mail I phone them on XX/XX/2020, and requested that I DID NOT want to receive any my because of privacy issues. My neighborhood has porch pirates and dumpster divers. Having my identity stolen was a lot to deal with and I DO NOT want to go through that again. All my other bills ( mortgage, car loan, credit cards, light, gas, water, insurance, sewage ) are sent through email so why can't Redbrick do the same, they have my email address! I very seldom receive mail except for junk mail. 
I WANT REDBRICK TO STOP SENDING MAIL TO MY HOME, REDBRICK BILLS ME THROUGH EMAIL. Their respond was NO, they will continue to send confirmation because it's the law in Iowa.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: MN

Complaint narrative:
I deposited and check via mobile deposit for XXXX and was told that it would be available by the end of the day and it was not which cause my hardship I email and called twice and was told that I could not get any help there close of the day is XXXX and per there email communication it was end of business day not XXXX also there policy any under XXXX  will be available same day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
At the beginning of XXXX I receive a notice that my escrow amount on my mortgage would be changing. In error, I reduced my XXXX payment amount in my auto bill pay to the new amount and this resulted in my payment being less than {$60.00} short ( it was {$59.00} and change ). The actual decrease in my mortgage amount was scheduled for XXXX not XXXX ( so I changed the payment amount one month early ). As such, Loancare received approximately 97 % of the payment. I received ZERO communication from Loancare and only found out about the short amount through credit monitoring when my credit score was penalized. I did not receive ANY communication from Loancare ( no email, auto phone notice, nothing ) to notify me of the issue prior to finding about the issue after reviewing my credit. The day I called them after seeing my credit report, I received a letter in the mail about the issue dated XX/XX/XXXX notifying me that my loan was 60 day past due! Even though it had only been 18 days since the payment date ( I received this on XX/XX/XXXX ). They did not try to communicate at all with me until after they had marked the payment as 30 days late which they knew would result in me being blocked from refinancing to a lower rate. They sent me a 60 days past due notice 18 days after receiving 97 % of the payment and I fully believe this company was aggressively trying to take my house over what was a {$59.00} administrative error, with NO COMMUNICATION prior to reporting to the credit bureau. 

I called Loancare on XX/XX/XXXX and made the payment whole on XX/XX/XXXX ( date payment actually went out from my bank account ). My monthly payment is due every month by the XXXX, but I was told that even though the payment is due by the XXXX that count the 30 days late from the XXXX of the month. Since the payment being short was obviously an administrative error, Loancare was willing to reverse the late charge they were trying to assess ( a late charge fee that was greater than the amount that my payment was short ), but they would not remove the 30 day late reporting against my credit despite agreeing that it was an administrative error and removing the late fee. I believe this is a predatory practice to try to fence me in from refinancing away from their company as rates have dropped.

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 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation
State: OK

Complaint narrative:
I contacted XXXX on XX/XX/2020 as old judgements, more than 5 years old and  also were filed and discharged with Bankruptcy Chapter XXXX and XXXX. I sent in all the proper documentation from my attorney and also explaining the statue of limitations had also expired. I explained this was halting the closing on my home yet they still have not corrected any of the information. This information is no where on my 3 credit bureaus as they have all came off due to statue of limitations and they were in the bankruptcies. 

Contacted World Acceptance on XX/XX/2020 and left message for Bankruptcy department asking to remove the incorrect information of balance owed {$950.00} and reporting past due as this was included in Chapter XXXX payment plan and paid in full as agreed to plan. The information was removed from my Transunion report however not XXXX  or XXXX. I have left messages daily again with the Bankruptcy department as and have received no communication. I have reached out to the local branch to the manager and have also received no communication stating this is not their problem. I have sent in all documentation pleading for help as I need this cleared up asap however zero communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I download an app called XXXX XXXX. through my XXXX. I was searching for a XXXX XXXX back pack. I message this seller. Through offer up. The seller told me to pay him through an app called XXXX. I paid him {$320.00} from my chase bank. I never receive the item nor TRACKING NUMBER. 



P.S I ask the seller why are you selling you XXXX XXXX backpack so low of a price. The seller told me due to corona virus he wanted to make a couple of bucks. Once I paid him through my bank. He turn off his communication and his location., there fore I never receive the backpack or tracking or label number. That is when I knew it was a scam My bank didn't do anything to help me protect me from this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I responded to a letter I received in the mail from credit card company BBVA about completing a balance transfer. I agreed to a disclosure for a balance transfer. The next day I received an offer from another bank with an even better offer. On XX/XX/XXXX I called BBVA to find out if I could cancel the transfer. I was told by the representative that my application was never submitted and I don't have to worry about the account because nothing was processed. They advised me to contact customer care through the website to inform them not to process the application just in case I was worried and wanted to make sure the application wouldn't go through, but said it wasn't necessary - however I did. I moved on to the other bank, where I opened an account and did the balance transfer, where I agreed to pay their fee. A few weeks later I get a billing statement from BBVA. I was confused. I call back and they tell me that the balance transfer did take place. It is not XX/XX/XXXX and I've been going back and forth with BBVA about this issue since. I was apologized to numerous times and told that the issue would be resolved. I was promised a call back from an agent at least 4 times, if not more, and never did an agent return my call. I had to constantly take the time to call back and re-explain the situation to a new agent. A ticket is finally open and the result is that I owe the balance transfer fee because I agreed to this. And they justify this based on my phone call on XX/XX/XXXX. However, if they listen to the call on XX/XX/XXXX they will hear their agent tell me the balance transfer was never processed. If he hadn't told me this I would have never moved onto the other bank. I now owe two banks the balance transfer fee, which is over {$400.00}! I am extremely upset!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
As of XX/XX/2020 I have contacted both XXXX XXXX XXXX and their collection agency The Best Service Company to solve a collection issue that is two years old and I had to find out during a credit check. I noticed that the collection agency has only called me and left a voicemail, I can not recall the dates, and never gave me written notice of debts that are owed nor rights to dispute. XXXX XXXX has stated that I need to go through the collector in order to resolve the debt, but I have not heard anything from the collection agency. I'm also XXXX XXXX military and have noticed a plethora of charges on the account prior to sending to collections.

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