vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: PA

Complaint narrative:
To Whom It May Concern Im writing to you to request a security freeze and block all reporting creditors on your paid subscribers ( vendors ) platform. Under the Fair Credit Report Act you are required to comply. I am My information is as follows : XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and all other creditors. I am a victim of identity thief. 

Ive included the following two documents that verify my identity : Copy of drivers license. 
Social Security Card Identity Theft Report Police Report After this credit freeze and block has been completed, please send written confirmation to the address listed above. 
Kind regards, XXXX XXXX XXXX SSN : DOB :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank In XX/XX/2020, I received a wire into my Citibank account ( {$24000.00} ). Bank froze account with no explanation and froze funds was to send a letter explaining reasons. Letter never came and I requested letter 4 times. Wire was good and I am not able to get wired funds. Bank has been very uncooperative and resistant in resolving this issue. 

another {$20000.00} was deposited with same result.

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 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PIKE CREEK MORTGAGE SERVICES
State: NJ

Complaint narrative:
My mortgage was sold to Pike Creek Mortgage company after closing in XX/XX/2020 Did not receive a letter from them had to call to find out how to send in my payment. 
XX/XX/2020 I went on line to ask when my Real estate taxes would be paid as they are due XXXX XXXX got an email back stating they would look into it. two weeks later I called and they stated they had noting on my taxes I faxed the tax bill two weeks later I call again they say they have nothing on my taxes I email them the person on line said ok we now have them one week later I call again and I get told a work order is in for them. today XXXX XXXX I get a message my home owners is past due so I call again they state they have nothing on my Homeowners insurance but in the system I see the amount due acct # so I email them to them and ask about my taxes that are now delinquent that they are working on them. I asked to talk to some one who can help me and I was told no one can help me this company can not handle paying items out of escrow so they should not be in the mortgage business

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Out of the blue in XXXX I received a bill for {$1700.00} from BB & T (  Now Truist following merger with Suntrust ) on my monthly mortgage statement. The month before, XXXX, I received a more typical bill of {$330.00}. XX/XX/XXXX, I had mad a payment {$1000.00} and another on XX/XX/XXXX for {$2000.00}. So this {$1700.00} bill left me confounded. Upon contacting the bank by phone I was told that this was past interest BB & T had not been able to show on any previous billing statement, but was now possible because of Truist 's new software. But even on the XXXX statement none of the numbers add up in any understandable way. 
The Column showing the " explanation of amount due '' is indecipherable with any conventional math.BBT/Truist multiple times. I have been put on hold for hours while customer service representatives try to make sense of my account. 
Most recently I spoke with XXXX XXXX regarding the issue. Ms XXXX acknowledged that the bill was in disarray but said that prior to BBT joining Suntrust to become Truist, BBT had no way of calculating said suddenly due interest. When I pointed out that the bill in no way showed a logical balance she said she would escalate the issue to an accounting division to verify. Ms XXXX like other representatives promised a return call that did not come. 
On repeat calls to her direct line I have been routed directly to voicemail and have not received any return calls. I did receive two separate billing statements dated XX/XX/2020 in XXXX. XXXX had the amount due of {$73.00} and a second with amount due of {$1600.00}. 
In summary, I was receiving normal billing statements up until XX/XX/2020 when I was suddenly told I owed a large amount of interest that had never been referenced on any past billing statements. At no time has the bank provided me with a bank statement where the numbers balance and/or account for the " discovered interest ''. The Bank expects me to just pay {$1700.00} in interest they say they discovered during the merger. 
I will attach the statements from XXXX and XXXX as well as the two disparate statements from 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 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/2020 this company reported my account as 30 days late. I pay all payments through their app and didnt receive a payment alert nor a phone call indicating it was late. I want this payment to be reported as current. This company also reduced my credit limit by 50 %. I want my {$5000.00} limit restored.

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 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PORTFOLIO RC XXXX PORTFOLIO XX/XX/XXXX-XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RC XXXX PORTFOLIO XX/XX/XXXX-XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XX/XX/XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I settled my two Capital One credit cards. On my credit reports, they are showing settled for less than full however, balances are still reporting in error. 

Please correct the misreporting credit reporting data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am the executioner of an estate that has a JPMorgan bank account. I have communicated the court order to JPMorgan Chase online and I have sent the court order to a local branch. It is past a month and JPMorgan is giving me the run around of granting me access to the respective account. This is causing tremendous delays in performing my duty as the executioner of the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
The instructions on the back of my credit card statement for disputing a charge state that I must dispute it in writing, to be sent to the " billing inquiries address listed on the front of your statement. '' There is no such address listed anywhere on my statement. There are three addresses listed on my statement, none of them labeled for billing inquiries. The credit card statement is from AT & T Universal Card. I've gone through AT & T 's laborious, confusing automated customer service phone system to ask them what the billing inquiries address is, but I couldn't get through.This is very frustrating and I assume many others must find this frustrating. Can someone please make AT & T properly list their billing inquiries address on their statements? Thank you.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
We completed a loan modification with XXXX XXXX quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
We completed a loan modification with XXXX XXXX quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
We completed a loan modification with XXXX XXXX quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.

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 2020-09-08 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: TN

Complaint narrative:
I have submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX  XXXX XXXX  could not have charge off an account in bankruptcy that did not exist. To further the conspiracy XXXX  has been blocking my account so that my recent credit cards can not report. XXXX XXXX  and XXXX XXXX banks are two of the four that have been blocked.

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 2020-09-08 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: MI

Complaint narrative:
XX/XX/2020 I received a Lexis nexis credit report of which it was quite detailed although I noticed a misspelling in my name under SECTION 7 :  BANKRUPTCY RECORDS on page 101 I disputed this information in XX/XX/2020 and Lexis nexis sent a letter in XX/XX/2020 stating it was not mispelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: GA

Complaint narrative:
Flagship Acceptance Corporation is refusing to refund my canceled Gap insurance policy premiums. The loan was paid in full on XXXX. They received check # XXXX in the amount of {$640.00} that was cashed by Flagship on XXXX. 

Flagship claims that they " don't know where the money went '' after they cashed the check, so they are refusing to cut me a check. XXXX XXXX, Client Service Representative at XXXX XXXX XXXX & I sent them a copy of the check on XX/XX/2020, yet they still " don't know where the money went '' and refuse to refund this money which belongs to me. Flagship Acceptance has stolen {$640.00} from me the same as if they had held me up at gunpoint. Isn't this also insurance fraud? The non-English speaking individuals who answer their phones are unwilling to help or find someone at Flagship who is willing to help. I need CFPB to intervene so that I can recover my stolen money.

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 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS,  in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello to who it may concern, my name is XXXX XXXX XXXX. i am a victim of identity theft, also when i pull my credit report on XX/XX/2019 i saw that a lot of the information was not mine i did a police report as well as a identity theft report. my FTC report number is XXXX, i send the information to al 3 credit bureaus plus the companies but XXXX keeps on sending me a credit report with a name that is not mine. i send multiple times the both report policy and identity theft but it seems that they don't even look at it. 
in-reference to the accounts all of then got erase, but my personal information has not been update. 
now i see that for the bankruptcy all 3 bureaus there are not reporting it correctly and also to my understanding by the FCRA all information needs to be accurate and complete i send then poof that information that they are reporting is not complete and accurate. i send letter on XXXX, XXXX, XXXX XXXX, and XXXX but they keep sending me the same answer. i had ask then to send me proof but they don't send me 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 2020-09-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello to who it may concern, my name is XXXX XXXX XXXX. i am a victim of identity theft, also when i pull my credit report on XX/XX/2019 i saw that a lot of the information was not mine i did a police report as well as a identity theft report. my FTC report number is XXXX, i send the information to al 3 credit bureaus plus the companies but Equifax keeps on sending me a credit report with a name that is not mine. i send multiple times the both report policy and identity theft but it seems that they don't even look at it. 
in-reference to the accounts all of then got erase, but my personal information has not been update. 
now i see that for the bankruptcy all 3 bureaus there are not reporting it correctly and also to my understanding by the FCRA all information needs to be accurate and complete i send then poof that information that they are reporting is not complete and accurate. i send letter on XXXX, XXXX, XXXX XXXX, and XXXX but they keep sending me the same answer. i had ask then to send me proof but they don't send me anything.

Company response to consumer: Closed with explanation