vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: WA

Complaint narrative:
LexisNexis is incorrectly reporting a balance due in the amount of {$65000.00} on a tax lien with the XXXX COUNTY COURT File # XXXX and Ref # XXXX. ( Please see page attached from my credit report. ) This judgment has been satisfied and paid in full. I have attached a copy of the Certificate of Release of Federal Tax Lien filed XX/XX/2019. LexisNexis continues to report this tax lien on my credit report. Since this Federal Tax Lien was satisfied, it should not be reporting any longer. The fact that this is still reporting is a clear violation of the Fair Credit Reporting Act. Under the F.C.R.A. I have the right to dispute incomplete and/or inaccurate information on my credit report. LexisNexis has failed to remove this item despite the fact that I have provided them proof, from the Court, that this tax lien has been satisfied. In addition, LexisNexis has been entangled in a class action lawsuit wherein they were selling consumer information to debt collectors to assist them in collecting debts without treating these reports as a consumer report within the meaning of the F.C.R.A. This continues to show a lack of due diligence in removing inaccurate items on a credit report in a timely manner. I have contacted XXXX County Court, as well as LexisNexis, to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Hello, My name Is XXXX XXXX. I have contacted this company for over a year trying to get this debt validated or show some proof that I owe the amount that they are placing on my credit report. I have been dealing with this company called National Credit Sytems Inc. regarding a balance of {$1900.00}. I have sent numerous of certified mail letters requesting valdiation that this debt belongs to me. This company has only responding with a lease for an apt I stayed in for one lease year. I have been in contact with a XXXX XXXX that works for this company. I informed XXXX  through letters and verbal that this debt is incorrect and does not belong to me. The lease they sent as an attempt to validate this debt is from the year XXXX but the debt they are charging is from the year of XXXX to an apt . I did not reside in. I have reach out to the apt complex who has told me they are under no management and do not have no record of this debt. I requested a lease from national credit systems showing these charges were accrued from my apt . They could not do so and when i requested this debt be removed due to lack of validity she stated she did not have that authority to do so as they were hired by the property management company during my stay ( who no longer manages the property ). she told she would need to inform them of the findings and see what they wanted to do. I informed her it is against the law to place a collections on my credit report that is not validated and even upon my request for proof you have not supplied with well over 30 days to do so. she proceeded to transfer me to the supervisor named Mr. XXXX whose Voicemail i have been sent to over 5 times in the last 5 months. I am homeless and unable to achieve credit worthiness for decent living due to this invalid account and NATIONAL CREDIT SYSTEMS please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Had disputed balance with XXXX Card XX/XX/XXXX to XX/XX/XXXX. Wrote multiple certified letters to resolve the issue. XXXX neither answered nor replied to any of the correspondence. Ignored dispute and continued aging the account 30-60-90-12-150-180 days delinquent. Finally resolved the dispute with the Supervisor on phone. Refunded disputed balance, established revised payoff and repayment schedule. Currently paid as agreed 6 months. However, XXXX failed to correct delinquency history which remains on their records and subsequently on all credit bureau reporting. I am requesting that history for these months be either revised or suppressed. Potentially negative impact on my creditworthiness and credit score.

My attorney has written ( certified ) to XXXX regarding this matter and his letter has similarly been ignored, no reply or response

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 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
Mortgage company has been collecting taxes in escrow account since I refinanced mortgage in XX/XX/XXXX. Taxes were due to XX/XX/XXXX and I got a notice from the county ( XXXX ) during week of XXXX  at which point I contacted the mortgage company ( The Money Source ( XXXX XXXX XXXX https XXXX XXXX  ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Every time I was told that their team is researching the parcel number ( XXXX ) for property and I provided Property Parcel number from the county notice. Its been more than a month since I started following up and have been receiving the same response without any resolution. As of XX/XX/XXXX the property tax is going to be 2 months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: NC

Complaint narrative:
Hello, I am asking to reinvestigate the accounts that are not mine. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you delete them. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2020-12-30 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: NC

Complaint narrative:
Hello, I am asking to reinvestigate the accounts that are not mine. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you delete them. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
I took out a loan with Radiant Cash. I have had no issues paying back the loan. However, I have not way to validate the debt and the exact amount owed because their site www.radiantcashs.com has not been active. I am only left to communicate to the company by phone or email. I have asked several time to provide a formal document of the amount owed and pay off date. At this time I have had to rely on information provided by a representative which is not sufficient. As a consumer, I have the right to receive formal documentation of a debt that is owed including all associated charges and interests associated with the debt. 
XXXX-Email sent requesting debt information and balances. A response was received telling me the amount from a representative that I owe {$210.00}. The original loan amount was {$400.00} and this loan was taken out around XX/XX/2020. 

I attempted to call the number they provided XXXX and it is a non working number. I have also found out that this company has been recently involved in a lawsuit for deceptive lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I pulled my credit reports and saw an account for XXXX XXXX XXXX  for {$130.00}. Im not sure where this debt originated, and would like it removed while in dispute until its both verified and validated. I contacted Experian and was told they couldnt verify my SSN on file. My SSN is 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 2020-12-30 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-30 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
American Express indicated that I have an available sum of {$17000.00} to pay over time on my AMEX card ending with XXXX. At the time I had a balance of approximately {$3000.00} I attempted a charge of {$2500.00} which was declined. When I called the company I was dissatisfied with a very convoluted and impossible to understand explanation. 

None of the material received from AMEX, ( in the 10 or so years that I have had the card ) indicated any type of limitation on the use of the pay over time balance cap. 

I consider AMEX 's failure to warn about any kind of limitation to be misleading and deceptive. As a result of the declination of my attempted charge I fear harm to my credit rating, not to mention the personal humiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
A company kept calling me in regards to a friends debt. They said there was a case being filed against him. Therefore, they were disclosing that he had a debt. Also, they kept saying that he was legally served on my voicemail. Which was a lie. In addition when I called back to tell them to stop calling and harassing me, they did not disclose they were on a recorded line. When I told them the number they provided was not a legal case number they said it was. 

The agent was very nasty to me. I told her that I wanted the name of her company and she would not give me the full name. I told her they were violating the FDCPA and was going to enter a complaint. I have kept the voicemails as well. 

I work in litigation as well for debt. This was very disappointing to me and this is the type of agency that gives all of us a bad reputation. 

The company called me from XXXX and told me to call back 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 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I was contacted by Ability Recovery Service XXXX XXXX, Wyoming, XXXX XXXX by phone concerning a medical debt from XXXX XXXX XXXX in 2017. When they first contacted me, I explained to them that I am a XXXX Veteran with a service connection rating of 100 percent by the US Department of Veterans Affairs and if they would mail me a statement verifying the debt of {$2000.00} that I would turn it in so the VA could pay it. They demanded that I pay something on it now. I explained to them again that I needed something in writing and updated my mailing address with them so they could mail me a written statement. The person put someone in management on the phone and he eventually told me that they would mail me a statement. After this no statement ever came in the mail and they continued to call me in a harassing manner demanding that I make payments on this debt. I tried explaining again every time they called to mail me a statement. Finally I received a notification from my XXXX  account that they reported this as a negative account to XXXX  and XXXX. I then contacted my credit advisor at XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX and explained what happened and she advised me to file a consumer complaint with FTC. The Department of Veterans Affairs will pay this debt for emergency medical services but they always need written verification of the medical services provided to veterans at civilian hospitals. Also I asked for written verification by mail to avoid identity theft because earlier this year my debit card information was stolen and I had to file reports with FTC and local law enforcement. The actions by Ability Recovery was harassing in nature by the repeated phone calls and vindictive by reporting me to the credit reporting agencies because I was trying to work with them to get this debt paid. Thank you for your assistance on 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 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had two paychecks with only my name on them stolen by a roommate. Chase Bank cashed them for some reason. They dont have her name on them at all, only mine, yet the bank cashed them. She has admitted to stealing them in text, I filed an incident report and was told bu the police to go to the bank and report it as well and gather the check numbers. I went to the bank and reported it. They told me they couldnt help me. So basically they gave my money from my check with my name on it, to someone else, and are telling me too bad. Checks were somewhere around XXXX each, I have a date when they were cashed, i have her admitting to taking them, the bank admits they shouldnt have cashed them with her while they had only my name, yet im told too bad by them. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: NC

Complaint narrative:
Experian RE : XXXX XXXX Dear Experian, This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( XXXX XXXX. XX/XX/XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease, reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please UPDATE THE PAYMENT HISTORY of the following inaccurate item. XXXX XXXX XXXX XXXX NEVER LATE. THE INFORMATION BEING REPORTED IS OUTDATED AND CONTAINS ERRORS I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339, ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I had refinance my loan with Cardinal Financials ( XXXX ) around XXXX, switch from XXXX. And that time my loan was XXXX. And I had refinance amount was XXXX including the closing costs, and also I had paid some closing cost amount, i.e. approx. XXXX. 

During shopping for refinance, I was using XXXX as approximate amount, as it took some time and I had been paying the XXXX and eventually I took a loan of XXXX. 

Only in he month of XXXX XXXX XXXX I realized, that the mortgage company is taking money form on the basis of XXXX and they used it as deferred loan which I was never aware of. 
I have been following up with them for the last 2-3 months on the same, but it's not getting resolved. 

I sent so many mail and calls and even now I'm on a call which is kept on hold for the last 35 mins. It ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I notified the lender of an error of what was being billed in my escrow account. The lender estimated my taxes at twice the amount. Also stated a payment was due to the tax company that did not exist. And also raised my monthly payment. I have spoken with several agents, and members of leadership to work to get this resolved. I also contacted my states county regarding the tax bill and it has been almost 30 days since my request was submitted to the mortgage company and the request has not been completed. When I call the company they feed me different stories and ultimately hang up without resolution.

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 2020-12-30 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL ANGECIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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