vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: WV

Complaint narrative:
For 46 years, I had been a customer of XXXX XXXX for vehicle insurance. Last year my rates spiked. I switched to XXXX and they were cut in half. The result of the uncoupling was that my home insurance almost doubled at XXXX XXXX. My XXXX XXXX agent recommended that I add an old vehicle to my account. I did, a XXXX XXXX XXXX XXXX XXXX. I asked for liability only and was quoted {$1000.00} annual! I responded that driving costs had really gone up and the agent said that it was because I had reported 4 accidents in 5 years. 3 of those accidents on my Lexis Nexis report were for a vehicle that I sold XXXX, a XXXX XXXX XXXX. The first accident was XX/XX/XXXX with a XXXX collision claim. The second accident was XX/XX/XXXX with a XXXX collision claim, and the last was XX/XX/XXXX with a XXXX claim for physical/property damage. The claim that I own was a hit and run complaint that I filed with the XXXX County Police. This was for my XXXX XXXX XXXX. I called Lexis Nexis and they refused to provide me any info over the phone, instead referring me to something called the XXXX XXXX. They were supposed to call me within 24 to 48 hours. They have yet to call and it has been 72 hours. I asked what would happen if I was not available to answer the phone and they said a message would not be left and that the process would start all over again. I would have to initiate that process. I know today that I am being overcharged for insurance and that Lexis Nexis has too much power, is too opaque about how they operate, and has no interest in addressing consumer concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: AL

Complaint narrative:
60 days ago I reached out to XXXX, TransUnion and XXXX  regarding the unaurthorized hard inquiries that's on my credit report. Each company told me they would submit a dispute to delete them but all three of the companies have failed to do what they said.

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 2021-01-28 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: AL

Complaint narrative:
60 days ago I reached out to Equifax, XXXX  and XXXX  regarding the unaurthorized hard inquiries that's on my credit report. Each company told me they would submit a dispute to delete them but all three of the companies have failed to do what they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
I'm current on my payments. i was flagged for a missed payment over 30days but i made the payment on time, i was falling behind due to covid related issues and that was thurly explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
CCS ( credit Collection services ) had written to me in an attempt to collect {$230.00} that they stated is due from a property insurance policy issued for XXXX XXXX XXXX XXXX XXXX, MI XXXX from XXXX XXXX XXXX. I informed CCS that the alleged debt is not owed due to the fact that the insurance policy was to be flat cancelled as I never became the owner of this property in a contract sale. XXXX XXXX was paid on my behalf. I submitted proof of the official municipal ownership records to both CCS and XXXX XXXX to indicate I was never the owner at any time of this property and I lack legal insurable interest to receive any insurance payments, thus the insurance contract was null and void. XXXX XXXX failed to handle this flat cancellation correctly and has appointed CCS to aggressively pursue the fraudulent collection. CCS disregards their duty to properly substantiate this invalid and erroneous debt after receiving proof that I do not own this property.The closing agent has even contacted this company as well. CCS has proceeded to report the derogatory information to all 3 credit reporting bureaus which has harmed my credit. I have filed a complaint with the michigan insurance department and I may take legal action against the company with the Federal Trade Commission if there are any violations of standards to the fair debt collection practice or other acts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMERICREDIT XXXX, Inquiry : XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Charleston Area Medical Center
State: WV

Complaint narrative:
Health Care Financial Services has summitted a balance of {$830.00} on my Credit Report. I have never had an account with them nor have I signed any documents, contracts or agreements with them. I disputed the claim several times according to the Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Health Care Financial Services sent me a copy of my signature on another company 's contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX i scheduled a regular payment for XX/XX/XXXX in amount of {$160.00} and scheduled a principal only payment for XX/XX/XXXX in amount of {$55.00}. ( I have email confirmations for both. on XX/XX/XXXX the XX/XX/XXXX payment shows pending and the XX/XX/XXXX payment shows as applied. 
Additionally, a late charge of {$25.00} was assessed on XX/XX/XXXX. On XX/XX/XXXX the XX/XX/XXXX payment is no longer reflected on the account, but the XX/XX/XXXX payment and late charge remain. On XX/XX/XXXX the XX/XX/XXXX payment is now reflected as a payment made on XX/XX/XXXX with a portion of the payment now applied to the XX/XX/XXXX late charge. I have issues with : A ) Fraudulent attempt to have me make a second payment because my payment is no longer reflected on the account. B ) Fraud in accessing a late charge when clearly a payment is shown as pending. C ) Fraud in apply part of a payment to a late charge that was fraudulently assessed. D ) Fraud in apply a payment 5 days after the payment was actually made. E ) Fraud in record keeping. Statement shows payment made on XX/XX/XXXX ( which is correct, BUT ) a portion of ontime payment is still applied to late payment that was not late And they insulted me by suggesting that I didn't have the money in my account. It was there and they took 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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020, XXXX XXXX ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have an account with Chime on XX/XX/XXXX they said someone tried to access my account and they suspended my account I have called and sent emails and they asked me to send an.email with my drivers license and me holding it I did onXX/XX/21 then I heard nothing still suspended then I called and got another email they wanted me to hold up a piece of mail and take the picture I did that onXX/XX/21 still suspended then they swnt another email wanting a picture of me holding my liscence and the last 4 of my social I did that on XX/XX/21 I had a deposit go in on XX/XX/XXXX and I have no access to my money this company has many complaints about this same issue and I have incurred late payments and return charges because of this and still have no answer and there wasn't a purchase that was attempted they just said someone tried to access my account so why not just change password and it's done but I haven't had that opportunity well actually I did on XX/XX/21 qhen I spoke to a representative and she told me I was good then later when I went to login I couldn't. I feel they might be using my identity and i.know they are using my money because I cant

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I filed Chapter XXXX in XXXX of 2020. All of my creditors except for 3 are still sending me bills and reporting to the credit bureau that I owe them money and these creditors were included in the Chapter XXXX when I filed Those creditors are Best Buy, Macy ; s and XXXX XXXX XXXX. They told me they closed the account, but after the Chapter XXXX was discharged they started sending me bills like it was never filed.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I cashed a couple of third party checks via e-deposit at NFCU and one of the checks cleared however, the other two were returned as being duplicate checks when they were actually not at all. I was given substitute yellow checks in the mail but when I called NFCU to try and get compensated my money back they were no help and said there was nothing they could do. My account was debited for the amounts but I never received the money and now one account is closed and was overdrawn {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: NJ

Complaint narrative:
For several years now I had submitted multiple letters of dispute to XXXX  XXXX. I never received any answers to my dispute letters. This account violated the fair credit account for failure to answer or respond in the proper time limit to answer a dispute. The last letter was XXXX 2019. And like the others sent to the creditor on numerous times was never ever answered. This was since sold twice to two different collections agencies. A violation of my rights. My credit has since gone down significantly and even complaints to the credit bureaus on numerous occasions they have refused to correct my records. I am attaching a copy of a letter of dispute which they never responded to and now they are past the deadline. All credit reports and creditors of this account must legally be removed.

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 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rocky Mountain Capital Management
State: MO

Complaint narrative:
Rocky mountain fidelis collection keeps calling me at work after i told them to stop calling my work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I went to purchase an item in the screen shot below, I was asked to sign out of PayPal to make purchase as a guest. paid then was re-routed to a PayPal charity instead of getting a receipt, this name showed up, I saw my bank statement had removed the amount but under a different name altogether. despite still having it listed as a shop transaction it was coming up as a donation to PayPal. they refused to take action, stating that their policy did not cover the item transaction despite it being listed as a transaction having proof, filing a complaint several times and being unable to process a claim with PayPal because it was being listed as a donation. I called my bank and they said that they won't help or can't help and PayPal keeps closing my claims and has no actual resolution available for me. this has been going on since XXXX, I contacted them right away and initially they were going to take action but it had not posted yet, and was still pending. I can't get anyone on the phone together.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: GA

Complaint narrative:
XXXX, XXXX, and TransUnion are reporting erroneous accounts. I have attempted to dispute these with the bureaus through the past year but no validation has been sent to me. 

Certified mail slips for the attached letters below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TU

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 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth financial called me and refuses to send me a bill so I can verify the debt owed. They pressure me to pay over the phone and wont send me a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I GOT A LEASE THROUGH ACIMA CREDXXXX. THEY AGREED TO REMOVE THE ACCOUNT ONCE IT WAS PAID TO SATISFACTION. THE ACCOUNT IS STILL REPORTING 7 CHARGE OFFS. WHICH IS A VIOLATION. THIS ACCOUNT WAS SETTLED AND CLOSED. REPRESENATIVE TOLD ME THIS ACCOUNT WOULD BE REMOVED. THIS ACCOUNT IS STILL BEING REPORTED NEGATIVE ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted an inquiry to Chase Home Mortgage regarding refinancing my loan. At the time no authorization to pull credit was given. 
On or about XX/XX/XXXX I spoke with a loan officer at Chase name XXXX who verbally confirmed that no credit pull is required to generate a quote. 
A week later I got a letter from Chase confirming a credit pull and a credit score. That credit pull was done without my authorization. 
I submitted a complaint to their resolution center on XX/XX/XXXX only to be informed on XX/XX/XXXX that they did not pull my credit and asked me to submit to them documentation confirming that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: OVM FINANCIAL, INC
State: VA

Complaint narrative:
OVM Financial denying my access to the statement of my mortgage payment. 

I started a mortgage loan with OVM FInancial in XX/XX/XXXX. After making my first payment to OVM in XX/XX/XXXX, they sold my loan to XXXX XXXX XXXX. During this transition, OVM Financial failed to provide a final status of the loan, verification of receiving my payment and how my first payment was distributed. After reaching out to XXXX XXXX XXXX, they stated that OVM Financial also did not provide them with a record of this payment and that I would need to contact OVM Financial for this information. OVM Financial representative and CEO have deliberately denied my access to the statement of payment and it's distribution since the end of XX/XX/XXXX. 

I requested the financial statement reflecting how my first payment amount was dispersed and the loan transitioned to the new provider from OVM Financial mortgage loan originator XXXX XXXX on the last week of XX/XX/XXXX over the phone, followed by a written communication via email on XX/XX/XXXX and XX/XX/XXXX. At first XXXX asked to wait, then he advised me to contact my title company and eventually stopped replying. On XX/XX/XXXX I included OVMs CEO XXXX XXXX into the e-mail conversation. I wrote a complaint, explained the situation in detail and requested to receive the financial statement of my payment or a receipt of my XX/XX/XXXX mortgage payment and its distribution. At first, XXXX wrote he does not quite understand what I am requesting and asked to call him. At the end of our long phone conversation he said OVM does not provide any financial statements of payments. As a follow up to our phone conversation XXXX e-mailed a " first payment '' letter which gives an example of how the payment will be distributed, but the verification documenting and accounting for how my XXXX payment was applied was still missing. I replied immediately explaining again in detail what documentation I would like to receive, but he did not answer. 

The following day, XX/XX/XXXX with no response to my email, XXXX and XXXX began responding in a previous communication thread stating that everything was resolved. When I disagreed and recopied my follow-up email to XXXX sent on the XX/XX/XXXX, XXXX XXXX, OVMs CEO added clearly there is nothing more OVM can provide to you. 

Considering that this is OVM Financials CEOs position to this request, after I have clearly pointed out that OVM Financials inability or unwillingness to provide the requested documentation of my mortgage payment is a RESPA violation, I am now reaching out to Consumer Financial Protection Bureau to seek assistance in dealing with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX. Unfortunately it was totalled. The loan was interest only which I did not understand at the time of signing. The lender was XXXX which has recently lost a lawsuit for engaging in fraudulent lending practices and I was named in the class action. I have repeatedly tried to get XXXX to correct i formation on my credit report that is inaccurate until the lawsuit ramifications are resolved for the consumers hurt. I have made 3 disputes and get the same response that it is accurate. My credit report says {$14000.00} was charged off with a balance due of {$5200.00}. I paid {$14000.00} for the vehicle. I called XXXX and the rep XXXX XXXX said it was charged off before they got the payment of {$10000.00} from my insurance company. I asked her why did they not reduce the charge off amount to reflect ins payment. She said she does not know. Also she said there is no one I can talk to at XXXX regarding this

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 2021-01-28 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: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX. Unfortunately it was totalled. The loan was interest only which I did not understand at the time of signing. The lender was XXXX which has recently lost a lawsuit for engaging in fraudulent lending practices and I was named in the class action. I have repeatedly tried to get XXXX to correct i formation on my credit report that is inaccurate until the lawsuit ramifications are resolved for the consumers hurt. I have made 3 disputes and get the same response that it is accurate. My credit report says {$14000.00} was charged off with a balance due of {$5200.00}. I paid {$14000.00} for the vehicle. I called XXXX and the rep XXXX XXXX said it was charged off before they got the payment of {$10000.00} from my insurance company. I asked her why did they not reduce the charge off amount to reflect ins payment. She said she does not know. Also she said there is no one I can talk to at XXXX regarding this

Company response to consumer: Closed with explanation