vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There have been multiple problems associated with Experian investigation and reports that indicate that an investigation has been initiated and results are available for review. 

There automated system shows the report is ready for viewing and the complaint and results of the investigation is NOT readily available and a copy of the Full and Completed reports are not available and are NOT being provided as the online complaint system indicates. 

This is a continuing problem with complaint, investigation and report process. 

Thus far every complaint filed has been experiencing technical diffulties. 

The latest two were received on/about XX/XX/2020 2020

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 2020-02-15 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : BBY/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DSNB MACYS XX/XX/XXXX and XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NC

Complaint narrative:
I currently applied for insurance under the umbrella of the XXXX XXXX. Insurance with XXXX is limited in scope to being furnished to Veterans, spouses of Veterans, etc. 

When I applied for the insurance with XXXX, the XXXX was notified of issues with derogatory information on file with XXXX that was being contested and reported the issues to XXXX. Even knowing this information was on file XXXX provided a quote of $ XXXX ( rounded ) per year for homeowners insurance. 

After reviewing the quote and the file information provided XXXX billed my mortgage company a significant increase in the premiums due. MY mortgage company paid the amount billed even though it was not consistent with the quote. When I questioned the billing and the quote, XXXX furnished information indicating that they received a credit report from LEXIS NEXIS. XXXX provided the report no. I wrote to LEXIS NEXIS asking for a copy of the report.

LEXIS NEXIS responsded to my request indicating problems with my request even though I followed the instructions provided by XXXX. 

LEXIS NEXIS forwarded a letter on XX/XX/2020 providing a URL and PIN number. When I accessed their website, the URL and PIN No did NOT work. To ensure that I could obtain copies of the report, I tried their website, URL and PIN several times. I reported the problem to LEXIS NEXIS. LEXIS NEXIS indicated the information may have expired. I asked LEXIS NEXIS to provide the information they furnished to XXXX. They have NOT and are seeking to have me go through their process on a repetitive basis and insisting that I furnish PII on their formatted e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was charged service fees, while my identification was stolen & I'm stranded from my home-state of Nevada. 

XXXX XXXX XXXX from Wells Fargo has put my life in danger by his negligence & ignorance. XXXX XXXX is his supervisor who's has taken more tha. 30 days to resolve my credit issue. 

I open an bank account after Hurricane Harvey, and still no service. XXXX XXXX ( XXXX ), branch manager lied  & said I was banned from their location, which is an lie & has caused more damge in my life.

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 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: WY

Complaint narrative:
LVNV FUNDING, LLC. $ XXXX XXXX. 
COLLECTIONS OF A DEBT PASSED THE STATUTE OF LIMITATIONS IN WY. 
INCLUDING FEDERAL STATUTE OF LIMITATIONS. 
DISCHARGED IN BK # XXXX JOINT ACCT. 
*DISPUTING THE ILLEGAL COLLECTION PRACTICES OF THIS FIRM. *

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
My name is XXXX XXXX. OnXX/XX/2020. I had sent money to a lady named XXXX XXXX on PayPal account ( XXXX ) The first amount was {$1000.00} and the second one same day was {$100.00}. Altogether it was the amount to {$1100.00} Her partner XXXX XXXX advertised for an apartment for rent XXXX XXXX XXXX  XXXX AK for {$500.00} security Deposit and {$850.00} for rent. Altogether {$1300.00} and I was {$250.00} short and they said I can pay when I go to XXXX. 
The number they gave me was XXXX for XXXX and my bf and I would text him since then and even before payment since ending of XXXX to XX/XX/2020 when I received last text. He was the person who gave me her info to send the money. His email address that they created for me to contact them on emails were ( XXXX and XXXX ) On XX/XX/2020 in the morning when I woke up. I texted and asked them to meet my bf to go see the place and get the keys. He never replied. I emailed both emails and no reply. I tried to call and no answer. I told them if they dont reply that I would call XXXX and file a scam report. My bf wasnt happy because he figured they were scamming us for fraud! When I tried to call again. The phone number was disconnected and the emails didnt work anymore. 
I told my bf and he tried to fill out a report with XXXX XXXX Police Department but it was under my name. I then went to PayPal and filed a dispute on both transactions and told them that it was a scam and they stole my money! I wanted my money back because it wasnt right! Those people scammed us and fraud us for money and used a place that wasnt theirs! Later that day in the afternoon I got an email back for both transactions and said that they denied and denying my case for my refund because this transaction was unauthorized. 
This was a total scam! Its not right for PayPal to hold back my full refund and let these scammers win! I filed a police report online and idk what they will do to the people if they ever catch them! I put the stuff on fb to warn other people. I filed another complaint with the Feds in XXXX. Now I am coming to this place for help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: Bliksum, LLC
State: CA

Complaint narrative:
On XX/XX/2018 Loanme filed a complaint against me in the Superior Court of California , County of XXXX XXXX. Case Number XXXX. 

They contacted my employer numerous times harassing human resource department, threatening to visit my employer. 

They sent someone by my employer and tried to serve me at my place of employment twice. They actually served papers to my human resources department. 

The continued their harassing calls to my employer and this cause undue hardship with my employment and threatened my employment. I could of lost my job. It did do damage to my reputation as a XXXX and for this I am marked by employer as not being financially stable. 

Fair debt collection practices laws were violated and I am seeking a correction. 

I went to court and paid this bill in full. This bill was not charged off but paid in full. 

I want this account totally removed from my credit report. I paid over the amount that I borrowed. I called the company and tried to work out a pay off of the account, but when I called they would not take allow me to pay off the account. Then the collection activity started. I have proof that envelopes were sent to my place of employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They addressed the envelop to my employer so they would open it and read it and know all my personal affairs of this loan and the complaint that was filed in Superior Court. 

This is a direct and planned strategy of LoanME and should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I send an email to them Revoking any and all future authorizations to debit my bank account, according to my CFPB rights On XX/XX/2020. This morning XX/XX/2020, I see an unauthorized AUTOMATIC DEBIT WAS TAKEN FROM MY ACCOUNT in the amount of XXXX, after they had responded to my email saying they would not do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: TX

Complaint narrative:
several letters sent to the credit reporting agency asking to validate the debt, police report filed and sent to credit agency requested several times via section 609 of true validation. agency reported back verified, not validated. complaints filed with ftc and multiple letters sent asking for validation. have tried to call in and no help. 
collection remains unvalidated and has been removed from other credit reports Jennifer CUSHMAN, Plaintiff, v.

TRANS UNION CORP., Defendant.

No. 95-CV-1743.

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 2020-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi bank online service, XX/XX/XXXXI pay off check plus {$4800.00} ,XX/XX/XXXXtransfer {$1200.00} to check account, XX/XX/XXXX, transfer $ XXXX,XX/XX/XXXX transfer $ XXXX,XX/XX/XXXXtransfer {$3100.00} total will be {$6500.00}, but after I make transfer {$3100.00}, the check plus show the amount I owe is $ XXXX.the mistake different amount about {$900.00}, citi online service always have problem. I complaint citi onXX/XX/XXXX. if service always not incorrect how we can trust, they agree, and told me will correct amount in next statement day, XX/XX/XXXX.I was ask correct right now but they refused, so I need wait untill XX/XX/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 2020-02-15 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: TX

Complaint narrative:
several letters sent to the credit reporting agency asking to validate the debt, police report filed and sent to credit agency requested several times via section 609 of true validation. agency reported back verified, not validated. complaints filed with ftc and multiple letters sent asking for validation. have tried to call in and no help. 
collection remains unvalidated and has been removed from other credit reports Jennifer CUSHMAN, Plaintiff, v.

TRANS UNION CORP., Defendant.

No. 95-CV-1743.

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 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Back in XX/XX/XXXX, I filed two CFPB complaints about Equifax because my credit report was blank other than1 fraud that I had a police report for being a victim of identity theft. Equifax finally updated my account and removed the fraud account. Since then several updates have happened that didn't really cause concern little things. Now at the beginning of the year, XX/XX/XXXX Equifax has removed almost all of my accounts from my credit report. My credit report is showing that I have a credit history of 1-year which is completed inaccurate. Please see attachment that shows 13 accounts were removed from my credit report. Please also see that the fraud account for XXXX XXXX XXXX that Equifax told CFPB that was removed in XX/XX/XXXX was actually added back at some time and removed again with all my real account information. I went from a blank file with fraud information, to a somewhat completed file to a no history file. The credit reporting agency should report accurate information and it seems like Equifax is reporting anything it wants to report instead of the accurate information. Credit agencies should not be able to alter someone's credit history by just removing current and past credit accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2018 XXXX filed a complaint against me in the Superior Court of California , County of XXXX XXXX. Case Number XXXX. 

They contacted my employer numerous times harassing human resource department, threatening to visit my employer. 

They sent someone by my employer and tried to serve me at my place of employment twice. They actually served papers to my human resources department. 

The continued their harassing calls to my employer and this cause undue hardship with my employment and threatened my employment. I could of lost my job. It did do damage to my reputation as a XXXX and for this I am marked by employer as not being financially stable. 

Fair debt collection practices laws were violated and I am seeking a correction. 

I went to court and paid this bill in full. This bill was not charged off but paid in full. 

I want this account totally removed from my credit report. I paid over the amount that I borrowed. I called the company and tried to work out a pay off of the account, but when I called they would not take allow me to pay off the account. Then the collection activity started. I have proof that envelopes were sent to my place of employment : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They addressed the envelop to my employer so they would open it and read it and know all my personal affairs of this loan and the complaint that was filed in Superior Court. 

This is a direct and planned strategy of XXXX and should not be tolerated.

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 2020-02-15 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 — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA STEALS MERCHANT CREDITS See attatched fraud claim investigation results letters of XX/XX/XXXX XXXX {$210.00} & XX/XX/XXXX XXXX XXXX {$120.00}. Both state THE CREDIT WE DEPOSITED AT THE BEGINNING OF THE INVESTIGATION HAVE BEEN REVERSED. Idid not report these as fraud. Both were returned to the retail store. See attatched statements of XXXX & XX/XX/XXXX THERE ARE NO USAA CREDITS TO REVERSE ONLY {$340.00} MERCHANTS CREDITS. 
See attatched Mastercard end XXXX DEBTOR NOT LIABLE XX/XX/XXXX THIS WAS NOT CLOSED. This became Mastercard end XXXX This became Visa end XXXX USAA CLAIMS I NEVER HAD THIS CARD end XXXX and I first used it XX/XX/XXXX when I opened it in XXXX.??? ( This card sat inactive for 4 years it would then appear?? ) note* the staement XX/XX/XXXX card end XXXX not XXXX??? USAA CLAIMS I OPENED THESE ACCOUNTS WITH ELECTRONIC SIGNATURE ** I PHYSICALLY AM UNABLE TO DO FOR 15 YEARS OR MORE I NEVER HAVE HAD ON LINE ACCESS. I request ORIGINAL SIGNATURES for Charges on all the accounts mentioned above I also demand USAA REFUND THE MERCHANTS CREDITS. I AM A VICTIM OF IDENINITY THEFT case XXXX Trying to Rebuild my destroyed credit reported by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am having a problem obtaining a payoff amount from Shellpoint Mortgage Servicing ( NewRez LLC ) for a refinancing with XXXX XXXX XXXX Bank. I had applied for a mortgage refinance with XXXX in XX/XX/XXXX. At the time, my mortgage was with XXXX XXXX XXXX.When ready to close, needing only the payoff amount, the mortgage was transfered to Shellpoint in late XX/XX/XXXX. We were told by Shellpoint that the payoff amount would be available at approximately XX/XX/XXXX. I and XXXX attempted to contact Shellpoint many times during the month of XXXX with no success. I, personally, tried to contact them by phone and online. Online I tried more than once with the reply that I would receive it in 5 days which never happened. I spoke a number of times to a representative who assured me that I would receive it, sometimes in 5 days and sometimes the same day. It never happened. I had applied for 'interest rate lock ' with my mortgage application. Due to the excessive amount of time past the applicable date for closing, penalties had accrued to almost {$2000.00}. I had to cancel my refinance application in the beginning of XX/XX/XXXX. 
In XX/XX/XXXX, I reapplied for a refinance with XXXX. Near the end of XXXX, I was preapproved for the refinance and waiting for the payoff amount to close the deal. It has been almost three weeks of trying to obtain the payoff amount from Shellpoint to no avail. The same contact efforts were made as before, through phone calls and online. Certain items will have to be redone, such as a termite inspection at an additional cost to me. 
Please advise us of your actions to assist us. We were wondering whether we have to obtain legal representation to be involved with this situation. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX  XXXX  10 rookie card on XXXX.after receiving the card I notice it did not appear authentic I contacted XXXX  and sent the card in and they confirmed with a certified letter that it was not an authentic XXXX  10 graded card. I I first contacted the seller he came very defensive it said I must have done something to the card and refused to refund my money. I then contacted XXXX who said since I paid through discover they recommended I file a dispute with them. Now on XX/XX/XXXX discover denied my dispute saying the transaction was found to be valid since I received a card. I again contacted discover who stated that they couldn't do anything more for me and I should contact XXXX or look up online what other people have done in this situation. 

I have never missed a payment before and my credit score was over 800 before this. I want this removed from my credit report while I continue to dispute this.

Company response to consumer: Closed with explanation