vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 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: LEXISNEXIS
State: MI

Complaint narrative:
I have contacted LexisNexis regarding the Bankruptcy reporting on my credit report over 5 times. They have informed me that this information is accurate and it is not. This bankruptcy does not belong to me and is causing difficulty getting me approved for a home mortgage. 5 total times I mailed documents to Lexis Nexis disputing this information and it is still reporting on my credit report as this belongs to someone else. I have also contacted the Credit Bureaus regarding this as well as they have been the ones that reported this information because of LexisNexis as the data point. I have contacted the bankruptcy court that has supposably reporting this information by certified mail and asked why they have reported this information because I have never filed bankruptcy. They sent me back a letter stating that they don't report this information to the credit bureaus. This letter is attached to this complaint via PDF. The thing that puzzles me is if the Court themselves state they don't report this information why is this being reported in the first place. According to the Fair Credit Reporting Act this must be reported by the original creditor. The original Creditor is The United States Bankruptcy Court For The XXXX XXXX of Michigan. But according to the proof and letter attached from The XXXX XXXX XXXX XXXX XXXX XXXX, they don't report individual bankruptcy cases to the credit bureaus. Lexis Nexis is the company that has reported this information and it does not belong to me. This is why I am filing this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, 2021 I don't have any knowledge of this account and it remains 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 2021-09-27 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: NY

Complaint narrative:
To whom it may concern today 's date is XXXX/XXXX/2021. XXXX XXXX hit me with a hard inquiry on XX/XX/2021. I did not sign anything or give anyone authorization to pull my credit profile so this is inaccurate. I called XXXX XXXX I believe it was XXXX XXXX 2021 that I do have an account with XXXX XXXXXXXX card and if i did ask for an increase it would have been online and its a soft inquiry unless I give them permission to run my score which i did not. the lady said she wasn't sure if was that and she would call me if was misunderstanding online. She had also said it appeared to be a new inquiry. I than asked if she meant a new card? she implied yes. Okay with that being said she said would be removed between 7 days. I am looking at my credit report it still shows on my XXXX XXXX and transunion. Which again I did not apply for any new cards with 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 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX21 a deposit for a Trucking company asked for a deposit for a moving trucking company for move on XXXX to XXXXXX/XX/XXXX-21, the trucking company failed to service Van. I was advised a refund will be issued with 7-10 business days. I have not received my refund as of date. The XXXX  and the FTC was givin a claim against XXXX XXXX XXXX XXXX. It was stated to contact My bank which is Chase Bank. They will not help with my refundable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX Mortgage Help/complaint When Covid lockdown started I liked everyone else was out of work and needed mortgage help. I applied for a deferment for my loan with my company PHH and asked that 6 months be placed at the back of my loan because I would be out of work due to quarantine. My lender said no problem sent me the forms out, telling me the spots Id need to fill out. I did as directed on the phone, submitted the paperwork and was told Id have a Phone appointment with a supervisor to process my request. 

That next phone appointment I was told via the my paper work was missing a date, and that Id need to resubmit all of the paperwork and then get another Phone appointment, i asked for a supervisor, explained I just needed the 6 mo of reliefs and that I was soon heading back to work. They still made me resubmit the paperwork for a date. At that time I also tried to make a full mortgage payment, when they told me would be accepted. A week later it was returned to my bank. 

I refilled out the paperwork out, made sure all the dates had been filled in, and waited for another Phone appointment to get the deferment applied to my account. At that next phone appointment I was told I missed the XXXX  in my middle name and that I would need to resubmit the paper work, at that time I explained Its now 6 months, Im heading back to work and that I didnt need more time I just needed that 6 months moved to the back of my loan, and My ability to make payments reinstated. I was told they wouldnt be able to take any payment with out the deferment being processed and that Id now need to apply for another 6 month extension because I didnt finish the paper work as expected. 

I asked for a supervisor, was told that they didnt have one. Was told Id need to redo the paper work, at that time I sat in the phone for an hour with the process person, filling out each area with this person on the phone with me. At that time I was set up with another phone appointment promised that this time it would all be handled, that my paperwork was complete. They ended up saying that I had missed my social security number In the paperwork which was clearly filled out In the paperwork I had in my hand. 

At that time they started booking phone appointments for weekends and not even calling at the appointment time, but emailing me to say I had missed it when I hadnt, i again tried to make a mortgage payment and had it again returned. After dozens of meaningless/ waste of time appointments im over it and need to fix this asap.. they're obviously delaying this whole process on purpose so that I can loose my house.. please help.. thanks in advance XXXX XXXX XXXX XXXX PHH MORTGAGE My Email XXXX My address XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XX/XX/2021, I submitted a wire transfer from my Wells Fargo savings account to XXXX XXXX for the amount of {$17000.00}. On XXXX XX/XX/2021 I contacted Wells Fargo and spoke to XXXX who filed a dispute/claim after I told him I needed to stop the wire because the item I was purchasing was no longer available. Today XXXX XX/XX/2021 I spoke to XXXX in escalation and she said there were no notes attached to my claim stating that anything has been done with the claim yet. I asked to file a formal complaint and speak with an executive with the organization. Ive yet to receive a call to discuss my issue with Wells Fargo. Im asking the Federal Reserve to please step in and hold this bank accountable to perform its duties and track the wire transfer down. Ive provided all the information they needed to include the account/routing number to the account it was sent to. I also provided the name and phone number to that account holder who is more than willing to assist in making this right. Ive spoken to that individual and nobody has made contact with him from Wells Fargo. XXXX XXXX  where the wire was sent has also stated Wells Fargo has not contacted them. Thank you in advance for your assistance in this matter.

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 2021-09-27 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: AZ

Complaint narrative:
I entered into a Covid related deferral program with XXXX Mortgage in XXXX. That program terminated in XXXX at which point the repayment plan commenced, which required intervention by the CFPB to actually get them to respond, due to repeated failures on XXXX 's end to actually process the documentation to start it. 

I made the repayment plan payments within the required timeframes, as documented in the attached payment history as well as the reported credit report snapshot. 

The trial plan was then approved, with a first payment due on XXXX ( late after 30 days ), which is scheduled to meet prior to the late date. 

XXXX has still reported the account as 180 days past due and showing in 120. In a simple examination of the credit report snapshot, this is literally impossible- XXXX has deliberately and willfully erroneously reported this as past due. 

Moreover, I filed a report around summer of XXXX in which XXXX did the same thing, despite being in the deferral.

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 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called to get this cleared off, as I don't owe them anything, they JUST keep saying my name isn't on the loan I can't have a copy of it, I called this morning XX/XX/21 and told them I have the paper work that shows the dates are 2 years apart and the house was in XXXX XXXX XXXX name, as I was on a " quit claim '' the House is mine NOT XXXX XXXX XXXX, he took the loan the house was never in his name when the Bank gave him the loan they committed a fraud, she said, XXXX would call me right back, that was at XXXX XXXX, still no calls, and I will be evicted XX/XX/21 if I don't pay {$66000.00}. I don't owe them anything .the, this home is free and clear of debt, I want to stay here. 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 2021-09-27 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: MD

Complaint narrative:
On XX/XX/21 ; I sent a certified letter to the XXXX and Equifax disputing the inaccurate unverified bankrupcty filed within my credit report. I have challenged the validity of this alleged bankruptcy listed on my report. I have went to the courthouse, and they have stated, " they did not verify this information. '' I have sent correspondence to the XXXX and they have verified that their is not bankruptcy being reported on my credit report. For whom, Equifax and XXXX both use a third-party source to verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: VA

Complaint narrative:
Their investigation did not provide me with the requested information, and exceeded the time frame allotted for them to respond. I respectfully have requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have failed to provide this information and it has been more than 30 days. My letter was sent on XX/XX/2021. My follow up letter was sent XX/XX/2021.

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 2021-09-27 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: MD

Complaint narrative:
On XX/XX/21 ; I sent a certified letter to the TransUnion and XXXX disputing the inaccurate unverified bankrupcty filed within my credit report. I have challenged the validity of this alleged bankruptcy listed on my report. I have went to the courthouse, and they have stated, " they did not verify this information. '' I have sent correspondence to the XXXX and they have verified that their is not bankruptcy being reported on my credit report. For whom, XXXX and TransUnion both use a third-party source to verify information.

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 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Receiving repeated phone calls about a debt I do not recognize or owe. The person calling refused to identify themselves and was trying to solicit personal information and continued to communicate after asking for written correspondence and refusing to acknowledge the debt. 

Issue has been resolved and despite there being no debt owed, collector insists on calling and speaking over in what I deem an aggressive and markedly threatening tone. 

This type of harassment is unacceptable and unwarranted. 

Did not feel comfortable continuing the call and ended it when person on the other end of the line continued to raise their voice and keep talking while asking questions about a debt I do not owe or recognize. 

Asked for written correspondence after refusing to acknowledge or validate the debt and person continued to speak over and ask questions loudly. Felt extremely threatened -- a stranger calling asking questions about personal information and refusing to identify themselves lest those questions be answered then proceeding to talk loudly about a debt one does recognize or acknowledge then continuing to speak at a more rapid pace despite a request to end the call with said stranger or request written correspondence is quite overwhelming. 

Felt the direction of the call was getting increasingly obscene and truly unaware of who this person is or was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In a response letter reference # XXXX dated XX/XX/2021 to a pre-qualified credit application I filled out, CAPITAL ONE AUTO FINANCE has deprive me of my rights under color of law pursuant to 18 USC 242 and the Equal Credit Opportunity Act by denying my prequalified credit application and discriminating against me on the basis of : as you stated " my personal obligations and lack of revolving accounts '' which is not a valid and lawful reason to deny me credit on my behalf and is in direct violation of 15 USC 1691 ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION which clearly states it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction which you have done by denying my prequalified credit application and depriving me of my right to credit under color of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I entered into a Rent to Own agreement with Acima to purchase furniture at XXXX XXXX in XXXX Texas. At the time of the application, I entered my bank routing number and debit card information. Please note that this was my second time using this company. 
I did not note any issues with the account as the company is supposed to pull my payments bimonthly automatically. It seemed that there were billing issues, so I decided on XX/XX/2021 to exercise my early payout option. At that time, I noted that there were several additional charges ( late fees and a NSF ) included in the remaining balance. I went ahead and processed the final payment. 
On XX/XX/2021, I contact the company regarding these additional fees. The representative notes that they had tried to process the XX/XX/2021 payment from XXXX account ending in XXXX. That has not been an active account in a minimum of 4 years. Their inability to process this payment resulted in an NSF. 
On XX/XX/2021, I was notified by email that I had authorized them to switch to the VISA ending in XXXX. This is a relatively new card therefore it validates my contention that I provided them with new banking information in order for them to have this credit card number on file. 
They then proceeded to process all payments using the VISA card reference above but never processed the payment for XX/XX/2021. This allowed them to tack on a {$10.00} late fee for every payment. 
When I contacted Acima on XX/XX/2021, they stated that because the lease was paid on XX/XX/2021, they could not refund these erroneous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: Westlake Services, LLC
State: IN

Complaint narrative:
On JuneXX/XX/2021 I traveled from Indiana to XXXX, New York to purchase a vehicle from a private seller. I was told there was a lien on the vehicle, so I traveled with the seller to his bank, XXXX XXXX XXXX, and I paid off the remaining loan on his vehicle, XXXX approximately. I gave him a total of XXXX for the vehicle which he had previously purchased from a dealership for around XXXX. I recived the title for the vehicle, bill of sale, and lien release. 

However, on return to Indiana and while attempting to register the vehicle, I was informed that I could not register it due to the fact there was still an open lien on the vehicle through a different bank called Westlake Financial based in XXXX XXXX, CA. I have attempted to contact Westlake over 15 times concerning this issue via both phone and email. I have sent them a number of emails stating my situation and providing proof of ownership with scans of the title, bill of sale, ect. but have received no response.

I simply want to know if there is in fact a lien still on the vehicle, how much money remains to be paid off, and if the lien has been satisfied I would like to receive a lien release so I can finally register and drive the vehicle I paid for. The previous owner is not cooperating either, but Westlake should be able to provide me with the information I request at this point. Thanks for your time!

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 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I also requested that they cease and desist all collection activity, including credit reporting. I ask them to delete any and all reporting made to any consumer reporting agencies. They failed to address my very specific legal requests and are in clear violation of the FDCPA. 

They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.

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 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX  XX/XX/XXXX oportun was added to my current credit report on XXXX and XXXX for the amount of {$2200.00}. I have made all of my payments for XXXX and XXXX on time and the balance still hasnt been updated on XXXX or XXXX. I contacted Oportun on last week and I was informed that I need to wait 3-5 business days to get a resolution from their internal team. I have an issue with this because the continued high balance reporting as if I havent made any payments affects my debt to income ratio. On XXXXXX/XX/XXXX XXXX was updated to {$2100.00} however, the balance showing on my account for Oportun {$2000.00}. This company is not reporting accurate information to the credit bureaus as referenced on their website they accurately report monthly to the bureaus and this is not being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Opened both checking and saving accounts based on promotions that promise XXXX dollars bonus with min XXXX deposit within 30 consecutive days. 

XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX Call more than 5 times since XXXX for confirming meet the requirement. Customer services have always told me I have met all requirements, and just need to wait. However, keep giving me new 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 monetary relief