vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my information and ran up my accounts I did contact the companies and they did removed the negatives items of my report but now theyre back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was added as an authorized user to my grandmothers XXXX XXXX XXXX XXXX back on XX/XX/XXXX. Within a couple weeks it was reporting with XXXX  and XXXX. Its now been over thirty days and said account has not reflected on my Experian account. This is causing me to not generate a score which is prohibiting me ... theres not much I can do without a credit score.  No house, car, etc.

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 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
CAVALRY PORTFOLIO SE has been contacting me over the phone numerous times in attempt to collect a debt that is not mine. they have filed a collection and ruined my credit score. i have spoke with them over the phone and told them the debt is not mine, and the are refusing to accept this fact. They don't have any proof in the form of a signed contract with the original debt holder which claims i owed them money, nor can they tell me how, when or where any payments to the account have been made. i would like this debt removed from my report and the harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my information and ran up my accounts I did contact the companies and they did removed the negatives items of my report but now theyre back on my 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 2020-03-02 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: NY

Complaint narrative:
Im a victim of identity theft someone got my information and ran up my accounts I did contact the companies and they did removed the negatives items of my report but now theyre back on my 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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/2019, I wrote to LexisNexis Consumer Center and requested a security freeze be place on my Consumer Disclosure report. I also requested to opt out of LexisNexis disclosing future information until further notice including the C.L.U.E report and other reports furnished LexisNexis regarding all personal information of mine to credit bureaus and creditors, but also future potential employers until I lift this restriction. Finally, I requested LexisNexis to send me a FREE copy of the information you are reporting about me as of the date you receive this request. In my request, I provided my Driver 's License Number and Social Security Number as well as my Name, full date of Birth and Address, and also enclosed a copy of my State issued Driver 's license and Social Security Card. This request was mailed via certified mail. 

On XX/XX/2019. LexisNexis wrote back indicating that they were unable to process my request as they were unable to " authenticate me '' with the information I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I paid this account in full with XXXX XXXX in XX/XX/XXXX. Now as of XX/XX/XXXX this account showing up with LVNV funding. I have tried numerous times to have this rectified by

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX charged me for {$2400.00} on XX/XX/XXXX. I disputed it, closed my card, got my funds back and was fine. Then again on XX/XX/XXXX, they charged my card again, this time using XXXX XXXX for {$3000.00}. I have never in my life dealt with this merchant and I am not sure how they are accessing my account. I have since been dealt a new card and changed my online ID and password. Chase however, decided that this new {$3000.00} charge isnt " fraud '' because there were XXXX XXXX transactions after the posted XX/XX/XXXX {$3000.00} transaction at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Credit Control, LLC
State: NV

Complaint narrative:
Credit Control is using XXXX  bullying tactics against us, the helpless forgotten people. It is proven by the XXXX  XXXX, XXXX and others that we are the victims. 

They have been calling every day, many times a day, with big threats to destroy our family, we the helpless people who support those that manage the inner cities. 

Credit Control XXXX  attacks are known all over the World and they are being sued in many lawsuits. They are also threatening to retaliate against us with a lawsuit because we dared to stand up for our rights. Yes, they are threatening to sue us and promised us it would happen if we resisted - that is called retaliation under the law. 

Credit control is violating the law and they are not in compliance with Federal and State laws. It is illegal for any junk collection agencies, especially ones using terror tactics, to make empty threats to sue us or garnish our wages.

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 2020-03-02 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: Nelnet, Inc.
State: TX

Complaint narrative:
NelNet Loan Services are putting inaccurate and non certified information on my credit report that does not belong to me. Balance XXXX. Date Claimed Open XX/XX/2008. They are still reporting to the credit bureau. Balance XXXX Date Claim Opened XX/XX/2008. They are doing illegal practices and are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I paid this account in full with Synchrony Bank in XX/XX/XXXX. Now as of XX/XX/XXXX this account showing up with XXXX XXXX. I have tried numerous times to have this rectified by

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 2020-03-02 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: NV

Complaint narrative:
XXXX, Transunion, and XXXX is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX  Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting

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 2020-03-02 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: NV

Complaint narrative:
Equifax, XXXX, and XXXX is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: NV

Complaint narrative:
XXXX, XXXX, and Experian is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting

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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
i opened a checking account with First Midwest Bank under a promo where i would receive {$250.00} if i followed through with several requirements. This included 10 debit card transactions, XXXX deposit, e-statements, and mobile banking. 

After contacting them several times about the details of the bonus requirements and if i had satisfied them, they are now refusing to pay out bonus because according to them - i didn't sign up for e-statements. I don't agree with this statement from them. When i finally was able to login online, i went into their system and selected online statements for the checking account. Their website timed out several times doing this, but i finally got to a screen where it worked. For some reason, my e-statement selection must not have stuck, but they told me i didn't fulfill this requirement. 

I am alleging that something reset or didn't hold on their website 's end, and they are not refusing to pay out bonus because of an error on their part. 

In addition, a few weeks after i opened the account, i got a letter in the mail saying i was signed up for overdraft protection. I remember opening the acct and not selecting overdraft, but they then went ahead and signed me up for this even though i opted out of this service. 

I had planned to use this account and switch over all of our household accts. After getting some less than reasonable service i wanted to wait until bonus paid now. Now, i am very disappointed about them denying this bonus due to a problem on their end.

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
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I  have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
Notified the servicing company on XX/XX/2019 that I had been downsized and was unable to make payments on my home. I was looking for a short sale solution. No response. Researched their website and found the application for short sale. Completed and submitted the form with requested attachments. Finally got some response from the servicing company and they arranged an  appraisal. By the end of XX/XX/XXXX we had an approved short sale agreement which expired XX/XX/2019. Repeatedly contacted servicing company to set a short sale target price. No response from anyone. Left both voice and email messages. Short sale agreement expired on XX/XX/2019 with no reduced price. Signed with a new realtor and suddenly was sent a copy of the appraisal from the servicing company.  The realtor reviewed the appraisal and set a short sale target price himself. Still no input from the service company. I resubmitted a short sale application. We received 2 offers on the home. The second short sale application was approved on XX/XX/2019. Offers were submitted. I was told they would process in 30 days. That did not happen. Early in XX/XX/XXXX I was served foreclosure notification. In spite of repeated attempts I still can not get a response from the servicing company on the short sale offers. The realtor has had a similar experience trying to get information from the servicing company. Not sure what to do next. The total lack of communication from the servicing company leaves me in an untenable position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper is attempting to collect a debt that is not mine. I'm requesting a cease and desist ; and validation of debt .I received a mortgage loan statement that indicates the amount due is {$190000.00} and is 3,246 days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: AL

Complaint narrative:
This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I  have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.

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 2020-03-02 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: AL

Complaint narrative:
This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.

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 2020-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
URGENT FEAR MY CAR COULD BE REPOSSESS DUE TO " ADVANCE AMERICA '' NOT POSTING MY PAYMENTS PROPERLY DUE TO INACURRATE ACCOUNTING AND CHARGING EXTREME EXCESSIVE FEES ON A TITLE LOAN AND PAYDAY LOAN. 

I AM FILING a complaint as there are several major problem with a company called " Advance America '' ( Car Title and Payday loan ). Advance America steered me into taking out a higher Title Loan Amount, of {$3000.00} causing the Interest Rate of this title loan to exceed the 30 % cap max on a {$2500.00} title loan ( that is what I requested ) but employees steered me into taking out {$3000.00} Car Title Loan ( they have my Pink Slip as collateral ) and the interest rate I am being charged is XXXX ADVANCE AMERICA NEVER DISCLOSED TO ME THAT THE INTEREST RATE WOULD BE EXTREMELY HIGHER ON A {$3000.00} LOAN AMOUNT THAN ON A {$2500.00}. 
I am having major problems with ADVANCE AMERICA not posting my payment correctly, they have forged signatures on receipts, charging me additional fees, payments missing, have not posted payments correctly. My last 3 payments PAID ON THIS LOAN NOTHING HAS BEEN POSTED TO PRINCIPAL ETC. ( SEE EXPLANATION LETTER ATTACHED FOR COMPLETE DETAILS ADVANVE America also had me take out a PaYDAY LOAN that was not necessary and charged me a INTEREST RATE OF ALMOST 1000 % ( SEE ATTACHED LETTER ). 

PLEASE CONTACT MYSELF XXXX XXXX AT ( XXXX ) PRIOR TO CONTACTING " ADVANCE AMERICA '' AS I HAVE ADDITIONAL DOCUMENTATION TO SUBMIT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern, I made a mortgage loan application with Bank of America on XX/XX/XXXX to purchase a home. 
Per my real estate contract, I was to close on XX/XX/XXXX. 
When I inquired about my loan status as we were getting close to the closing date, I was told that the Sellers Realtor had not returned the appraisers call to schedule the inspection. After this went on for about a week, I called the Sellers Realtor and she said that she had not received any call from anyone to schedule an appraisal for this home. I advised Bank of America of that and after we traded a number of calls, and a week had passed, they finally admitted that no one had made a call to the Realtor.  Basically, I had been lied to repeatedly for that period of time. 
Then Bank of America told me the real problem was that their appraisal firm that they use was having a hard time finding an appraiser in that area. That seemed to be hard to believe because 694 homes were sold in XX/XX/XXXX in that immediate area and I doubt that they were all cash. Other lenders clearly were able to find appraisers. 
The day before the scheduled, contracted closing, I was told that they loan would not be ready to close, and Bank of America asked if I could delay the closing by a week. I got with both sets of Realtors and the sellers agreed to amend the contract and close on XX/XX/XXXX and not XX/XX/XXXX as per the original contract. 
The next week was no different. Now after the original scheduled closing that did not happen and was subsequently rescheduled for XX/XX/XXXX, for the very first time Bank of America was asking me for some new additional documentation and some work to be completed on the home prior to closing. Needless to say, the loan did not close as re-scheduled on XX/XX/XXXX either. The day before the second scheduled closing I had to make arrangements to borrow against my stocks to close per my real estate contract. 
The saga continued from there. Bank of America suggested that I apply for a XXXX XXXX Delayed Purchase Loan. Since I had so much time and effort with them that is what I did and I just closed the loan on XX/XX/XXXX, four months after I started my application. 
This was a complete fiasco from beginning to end. I was lied to, mis-informed, closing dates were missed or completely abandoned at the very last minute. I could not find anyone within Bank of America that cared. 
Based on all of the above I would like to file a formal complaint with the CFPB. If you have any questions or require any additional information, please contact me. 
Respectfully,

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