vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
In XX/XX/2019 to repair my credit I enrolled and shortly thereafter disenrolled from using Lexington law firm services in XXXX of the same year. However, the law firm had my debit card number in its possession. 
The law firm acknowledges that I closed the account ; nevertheless, they are fraudulent claiming that my wife ( XXXX XXXX. XXXX ) enrolled in there service and provided my debit card as a means of payment ; which she vigorously denies doing. Lexington law firm has STOLEN over {$2400.00} From me. 
Lexington law is in violation of the electronic funds transfer act. I, XXXX XXXX XXXX, never gave Lexington permission to debt my account. Lexington has been debiting my account which is a clear violation of the consumer protection law. 
This company is a FRAUD!!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX i filed disputes with all three credit bureaus under my understanding they have 30 days to response its has been more then the 30 days and i have yet to receive anything.

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

Complaint narrative:
I'm desperately trying to get my investigation results. I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by 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 2020-09-01 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: CA

Complaint narrative:
I had this issue since XXXX earlier this year with EXPERIAN. This is ridiculous. I have a monitoring services that suppose to pull all three credit bureau reports. It can't even pull from EXPERIAN at all. Called Experian about issue and always leads to a dead end. No one can't help me. Tried to talk to the supervisor no help, she stated that the escalation team is notified since XXXX and they're still working it??! Today is XX/XX/XXXX. I can't even pull my EXPERIAN report from EXPERIAN.com. They stated I had to wait for it to come in the mail. I have rights to view and get my reports online like any other consumers. 

Called EXPERIAN several times over the few months. They've sent me to IT tech, they couldn't fix the issue, membership department had no clue what I was talking about. Even deactivating my account and try to get a new one, still didn't work. I'm frustrated and UPSET that this XXXX company can't let me view my current reports ONLINE. EVEN my credit monitoring services can't even pull from Experian. THEY'RE WITH HOLDING MY REPORTS and that's ILLEGAL. They need to let me view my reports ONLINE and if I order it from other CREDIT MONITORING services, they need to release 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 2020-09-01 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00}

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 2020-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
IN ORDER TO CLOSE ON MY NEW VA LOAN I NEED MY PAYOFF FROM CURRENT LENDER. I HAVE TRIED FOR SEVERAL WKS TO OBTAIN MY PAYOFF. HOWEVER, THE LENDER CONTINUES TO SAY I WILL RECEIVE TOMORROW BUT TOMORROW NEVER COMES. WE NEED THE PAYOFF OR THE % RATE LOCK WILL EXPIRE.

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 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
They call me repeatedly from different numbers. I have emailed them and sent them a cease and desist letter but they continue and call me 15+ times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IA

Complaint narrative:
I opened a CashApp account on or around XX/XX/2020, and deposited {$50.00} to get the account started, and now I can not contact them to have the {$50.00} returned to my bank account! I tried going to their website but received a message saying that page can not be reached!

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

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00}

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

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00}

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 2020-09-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX i filed disputes with all three credit bureaus under my understanding they have 30 days to response its has been more then the 30 days and i have yet to receive anything.

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 2020-09-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX i filed disputes with all three credit bureaus under my understanding they have 30 days to response its has been more then the 30 days and i have yet to receive anything.

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 2020-09-01 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: Westlake Services, LLC
State: NC

Complaint narrative:
I was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from Westlake Financial for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and Westlake has been less than helpful as well as the 3 bureaus. 

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.

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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020, I disputed addresses on my credit report with Experian. On XXXX XXXX I was told that the addresses were updated. I have never lived at any of the following addresses XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX  XXXX  XXXX, NC 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 non-monetary relief
Consumer complaint received 2020-09-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For longer than past 2 year 2 collection accounts are been impacted my credit records. To start the been reported for investigation because they are not mine, but every single time the collectors re selling the account to another company and the get away with that to report the accounts over and over. After request investigation from the 2 out of 3 credit companies XXXX and experian they concluding the account are valid and they do not change or modify my report. 
Collection companies send me a letter asking to send a police statement to prof is fraud, after contact XXXX county sheriff office, they told me they are not in charge of these investigations, the job is done by credit agencies. Well my attempts fail over and for more than 2 years and credit agencies not providing anything back to me to validate the fraudulent accounts same as the multiple debt collector that these accounts are been pass over and over. When I call them they just tell me the call is going to be recorded and ask me my name and personal information to access the system after that the questioning back if Im the person on the account and after mi confirmation now Im confirmed the account is mine they told me in bed to paid and is recorded and they disconnect the call if Im no agree on what they said. Same thing happening today as I called Experian fraud department and XXXX took my call she asked me my social and after Im pausing to times and she warning me about not guess just one shoot to provide the number she said thanks for calling Experian have a great day and hand up  the phone on me. 
Same as the debt collector when Im not accepting the accounts are mine. Seems like Im obligated to said yes they are mine accounts even when they are not and pay for something is never been use or order by me? As the only way to solve the problem. Very frustreted.

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 2020-09-01 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony Bank had established a credit line through their care credit program with me but closed my account without consent. They claim I am a high risk creditor, but I didn't carry a balance with them nor did I ever have a late payment with them. My overall on time payments is 100 % across all credit reporting agencies. I have a low balance to credit profile as well. This bank didn't contact me in regards to the closure. The closure negatively impacted my credit.

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I refinanced my loan recently and the mortgage was assigned to a different servicing company with the first payment due on XX/XX/2020. I mailed a check on XXXX XXXX which the company confirmed was received before the end of XXXX, 2020. 
However, my payment has never been " posted '' to my account after over 4 weeks and I am now receiving phone calls and letters stating that I am Past Due on my account. Furthermore, the servicing company has now turned off my Autopay function and now my second payment due on XX/XX/2020 will not be processed causing me to remain Past Due on my account for 2 payments.

The servicing company has been contacted 4 times in the past 3 weeks regarding this issue and keep telling me that their Cashiering Department is not responding to requests for an update on this issue or that I will receive an update " in a few days ''. They can not confirm when it can be resolved by posting my original XX/XX/2020 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK
State: OH

Complaint narrative:
Refinancing due to divorce. New title company has asked for payoff information 3 times by email and 1x by fax. I personally called Wednesday XX/XX/XXXX and requested payoff on both 1st and 2nd mortgage. Friday XX/XX/XXXX the title company received two payoff letters on the 2nd mortgage. Saturday an overnight letter was sent to XXXX Michigan and was received by XXXX XXXX at TCF Bank. As of Tuesday XX/XX/XXXX neither myself or the title company have received any payoff information on the 1st mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
ON XX/XX/2020 I used my Chase card for a week stay at XXXX XXXX in XXXX Fl. On the first night of my stay there was either bed bugs or roaches in the bed. I could not notify management because the lobby closes at XXXX XXXX. So the next morning XX/XX/2020 when they opened up I informed them of the problem, told them I am XXXX XXXX XXXX and wanted a refund. The front desk checked me out and informed me that the manager was the only one to issue refunds. I was informed that he would be in later that day and he will call me when he gets in. As I left the hotel I called my credit card company to dispute the charges and explained the reason why. The credit card company told me to wait until the charges are posted to the account to dispute the charge. On XX/XX/2020 the charges was posted and I disputed the charges by phone. The charges was removed and stayed that way until XX/XX/2020 when I notice on my bill that the credit card company rebill the charges. I called Chase card services to find out why these charges reappeared. they then explained I need to send my my dispute in writing which I did as per the attachments. I never heard anything again from Chase as far as the dispute and I have close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BYL Collection Services
State: GA

Complaint narrative:
On XX/XX/2020, I went to check my credit report before applying for a new apartment since I was interested in moving to a new location a much larger place for my family and I. when I noticed a collection item on my credit report, I had no idea who the agency was so I tried to contact them, according to ( BYL SRV ) the collection agency. I had a balance of {$52.00} I asked what was this balance for they stated it was from XXXX XXXX XXXX,. I clearly stated to the rep on the phone that the balance was paid for and it was reported to my credit report at PAID! why would they need to get paid again?! They stated the balance was not paid, I emailed them the proof stated the balance was {$0.00} and I didn't owe the creditor nor the collection agency any more money, I also contacted XXXX XXXX XXXX and they stated the balance was {$0.00} and I had no other charges. This is defamation of character I can not get approved for a home or an apartment due to this matter. I will like this inaccurate item removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from XXXX XXXX for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and XXXX has been less than helpful as well as the 3 bureaus. 

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.

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 2020-09-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from XXXX XXXX for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and XXXX has been less than helpful as well as the 3 bureaus.

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.

Company response to consumer: Closed with explanation