vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS
State: CA

Complaint narrative:
To LexisNexis XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX - XXXX Telephone : XXXX Re : Consumer Number XXXX XXXX : Case Number XXXX Please note I have accessed my Lexis Nexis report online. I wish to report a discrepancy for XXXX vehicle claim mentioned on the report. 

Record 8 listed for XXXX XXXX  XXXX with following details : Claim Number : XXXX Claim Disposition : Closed Claim Amount : XXXX  Claim Type : Collision Claim Number : XXXX Claim Disposition : Closed Claim Amount : XXXX Claim Type : Rental Reimbursement This is not correct information on your records. XXXX XXXX XXXX provided their opinion on this claim which differs mine. The fact was that the vehicle was scratched by another vehicle while it was unattended and stationary in a parking lot. No one was present inside the vehicle at the time of the incident. We requested XXXX insurance to do a reading on our Vehicle computer that they did not do. My XXXX  driver record is clean as this was no fault of mine. XXXX reports are attached. 
Please request proof of my fault for this incident form XXXX before deciding it as my fault. XXXX does not have any such proof as it was a parking lot incident when I was not present inside the vehicle and vehicle was stationary. Therefore my driving record is clean as shown on DMV records. It is merely an opinion by XXXX that they did not take the incident as one claim whereas the truth is that it is one claim. 
Kindly rectify this error on my report and inform XXXX XXXX urgently as this is effecting my life during pandemic that is already been going thorough hardships. 
Thanks XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I paid my XXXX mortgage payment to Mr. Cooper on XX/XX/XXXX. On XX/XX/XXXX, I had awakened to realize that Mr. Cooper withdrew an additional 2-months ' worth of mortgage payments ( including the extra amount that I typically pay towards principal ). I am not enrolled in an autopayment program with them, so it appears that they utilized my stored banking info to make these unauthorized payments. During my several attempts to reach their customer service line, I was placed on hold and then the phone would just disconnect. 

During the Covid-19 pandemic, I am thankful to be able to pay my expenses. However, by no means did I expect to pay a {$1700.00} mortgage payment on XX/XX/XXXX, only to have 2- {$1800.00} unauthorized payments withdrawn from my bank account 10-days later on XX/XX/XXXX. It is a weekend and I can not get anyone from Mr. Cooper on the phone to address this issue. When I called my bank, they were well aware of the issue and have received numerous phone calls from other customers who were also Mr. Cooper mortgage customers. Hours have passed, and the only correspondence from Mr. Cooper has been the following social media message almost blaming customers for payment issues, which the truth of the matter is that Mr. Cooper is responsible for billing issues that have resulting in stress, major bank account deficits and no quick resolution for their mortgage customers. 

Mr. Cooper 's social media message posted XX/XX/XXXX at XXXX XXXX  EST '' We are aware that some customers are experiencing payment issues today. We understand how concerning this is to those impacted, and we are working with the banks involved to resolve the issue as quickly as possible '' I'm writing today, to request that you look into this matter and the practices of this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Nationstar mortgage/Mr Cooper withdrew {$9200.00} from my checking account without authorization. My bank ( XXXX  ) blames Mr Cooper and Mr Cooper blames XXXX. I have no money in my checking account now with no resolution in sight!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/2017, XXXX XXXX at XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX  and XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, IQ Data International has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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:
I purchased a car from a dealership that was a lemon. I returned the car made all the payments and XXXX XXXX still reported my payments late when in fact that is an error. I called them to clear this up and they said in there system this wasn't late. However on my credit it still is showing up that i was late. the Car is paid off and I was never late.

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 2021-04-24 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: GA

Complaint narrative:
I purchased a car from a dealership that was a lemon. I returned the car made all the payments and XXXX XXXX still reported my payments late when in fact that is an error. I called them to clear this up and they said in there system this wasn't late. However on my credit it still is showing up that i was late. the Car is paid off and I was never late.

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 2021-04-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have filed with XXXX, TransUnion, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and more! I can't even get a credit report right now because it says I'm entering the wrong information! The one I can get from Experian tells me a have a card with XXXX XXXX a mortgage, a car loan. I've been telling you guys for years I applied for a XXXX account and have been told by XXXX XXXX and XXXX that my account number XXXX is a account with them but it's not under my name or social! Credit report after credit report has been requested in XXXX XXXX! I was locked up at XXXX. XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, XXXX, XXXX since XXXX XXXX and was originally incarcerated XX/XX/XXXX and didn't get out till XX/XX/XXXX! How did I order credit report after credit report? How did I open account after account? How did I take out a loan? Someone is definitely using my accounts fraudulently! Please help! Every credit report is incorrect and has been since XXXX at least! What do I have to do?

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 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: AK

Complaint narrative:
I recently opened this XXXX XXXX XXXX credit card but had trouble making my first payments to the card. I was given incorrect or inaccurate instructions over the phone in regards to making my payment through my bank 's Bill Pay service. I kept asking multiple times if my payment was received, and all I was told to do was wait. By the time I realised what had happened, it was already late XXXX, and multiple payment deadlines had passed. When I called, I asked for a reversal of the late payment statuses and late fees due to this error. My understanding was that all the late fees would be reversed now that I had posted my full payment. However, this was not done, and right now my card is showing as having been late for XXXX months and it is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
To Whom It May Concern : Bank of America is illegally withholding my money from me. 

Due to XXXX related economic XXXX, I was one of the many hard-working Americans that needed to make the tough decision to make available some of my retirement savings so that I can continue to pay bills and be on-time with my monthly payments. 

After liquidating XXXX of my accounts with XXXX XXXX on XX/XX/21, they sent me a XXXX XXXX check for the amount {$10000.00}. This was the money that would keep me afloat during this difficult time. 

I promptly deposited this check at my local Bank of America XXXX on Friday, XX/XX/21, with the understanding that money is usually made available within 2-3 business days to ensure the check clears and verify the funds available. 

I received notification later that night that the funds were going to not be made available until XX/XX/21. This is a seemingly arbitrary XXXXday hold. 

After speaking with representatives with Bank of America, they are unwilling to remove this hold or shorten this hold. I offered to bring XXXX XXXX into the conversation to ensure the funds were there. I offered to provide receipt of the account I liquidated with XXXX to provide proof the funds were not obtained illegally. 

Bank of America is doing nothing to help me. And my thought is that this can not be legal. This is my money. My money needs to be made available to me within a reasonable amount of time. XXXX days is not a reasonable amount of time. 

There are XXXX calendar days between now and the end of the month.This is more than enough time to verify whatever Bank of America needs to verify. XXXX days will make me late on my all my monthly obligations, including ( ironically ) Bank of America for my car loan. 

Fix this problem. Release the hold my money. It's my money, not yours. And you're illegally keeping it from me. 

Sincerely, 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 2021-04-24 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: CA

Complaint narrative:
Hello, On XX/XX/21 I was looking for a home energy improvement loan through the XXXX  project. XXXX XXXX XXXX it gave this informatrion : XXXX XXXX is the public-facing platform of the California XXXX for XXXX XXXX XXXX XXXX XXXX ). 

The XXXX is administered by the California XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ), a state agency housed in the XXXX XXXX XXXX. The XXXX XXXXnd a series of energy efficiency financing pilot programs were authorized by the California XXXX XXXX XXXX XXXX XXXX XXXX and developed in collaboration with the investor-owned utilities : XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Financing are paid for by investor-owned utility ratepayer program funds It lead me to this ; XXXX XXXX XXXX XXXX XXXX 3.49 % to 5.49 % XXXX {$200.00} Cash-Back Offer Minimum XXXX XXXX Contact info ( XXXX ) XXXX option XXXX Email My XXXX XXXX at that time was XXXX but I was turned down and now have a hard inquiry on my credit report. The process was deceptive. I would never had applied had I known that even meeting their criteria they would turn me down. I want this inquiry removed from all three of my credit 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 2021-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
I have reported my concerns and my problem to the better business bureau, the consumer financial bureau, XXXX XXXX XXXX, The Office of the Comptroller of the Currency ( OCC ), and the Consumer Financial Protection Bureau. I have not heard anything back from XXXX Bank. No one affiliated with the Bank has tried to call me back by, email and I didnt even receive any mail communication. I am planning to do whatever it takes to have this establishment fix its mistakes and I am not going to settle this negligence until I receive a call back from one of XXXXXXXX XXXX XXXX with an apology and resolution to lower the interest rate on my account, remove monthly fees after reopening my account after removing the negative reporting to XXXX major credit bureaus ; XXXX XXXX XXXX XXXX 
I will be waiting to hear from XXXXXXXX XXXX  XXXX, and I am more than willing today and, in the future, to take their calls and listen to what they have to offer to resolve this issue. 
Lastly, I received a letter from a collection agency to which XXXXXXXX XXXXk sold the debt to, and I reached out to them via USPS mail, and via email twice and I havent heard back. 
I can always provide proof of these communications when/if needed. This is the name of the collection agency that reached out to me ; Phillips & Cohen XXXX XXXX XXXX XXXX, XXXX, DE XXXX ) and their email is ; XXXX 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 2021-04-24 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:
NEVER RECEIVED COPY OF CREDIT REPORT REQUESTED OVER 45 DAYS AGO TO ALL " CRA '' AND CONTINUE TO REPORT ID FRAUD ACCOUNTS " NOT MINES '' AND UNDERAGE DURING TIME ACCOUNT OPENING

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 2021-04-24 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: GA

Complaint narrative:
NEVER RECEIVED COPY OF CREDIT REPORT REQUESTED OVER 45 DAYS AGO TO ALL " CRA '' AND CONTINUE TO REPORT ID FRAUD ACCOUNTS " NOT MINES '' AND UNDERAGE DURING TIME ACCOUNT OPENING

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 2021-04-24 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:
This account appeared on my credit report but its not my account. This is an error. I have lived in my home for the last 3 years.

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 2021-04-24 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: GA

Complaint narrative:
This account appeared on my credit report but its not my account. This is an error. I have lived in my home for the last 3 years.

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 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: NC

Complaint narrative:
We did a refinance earlier this year ( 2021 ). Our original loan was with Homeside Financial and we were refinancing with Homeside Financial. So, it should have been as simple as any transaction could have been. After four scheduled closings and a series of corrected CDs we did sign closing papers with numbers that did match what we were told and expected. What we didnt expect is that Homeside decided to keep a large portion of our escrow balance. I was told prior to closing that the numbers were based on us getting our whole escrow balance refunded. Then after the closing I have spent hours and hours trying to get an explanation. The closest thing to an explanation that I have gotten is that Homeside was off by {$790.00} on the closing papers and they decided to make up the difference by keeping our escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: GA

Complaint narrative:
THIS XXXX XXXX XXXX XXXX  ON MY REPORT FOR EXPERIAN SHOWS A CHARGE OFF THAT IS INACCURATE INFORMATION. PLEASE CORRECT THIS 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 2021-04-24 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I've been disputing a collection account with Transworld System Inc for an entire year. I began sending written communication to them XX/XX/2020 & every XXXX after that until XX/XX/2020. To date, I still have not gotten a single response. I notified them that I'd paid my final bill with the original creditor XXXX XXXX XXXX XXXX XXXX Co XXXX before relocating & asked for verification of this debt. After sending multiple requests with no response, I sent several requests for them to remove this collection account from my credit report. Initially it was only listed on my XXXX credit report. Transworld Systems Inc has not only ignored my requests for deletion, they've now taken it a step further by adding this collection account to my XXXX XXXX XXXX credit reports causing further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed a certified with a sign receipt to Ally Financial XXXX XXXX  The company received my offer letter to settle a debt and I received my sign receipt back sign by someone from the company on XX/XX/XXXX. As of today XX/XX/XXXX I have not recveived any mail or phone calls regarding my settlement offer. I am requesting that this collection account with Ally financial be removed and deleted off my credit report. It has been over 30 days without a response from them.

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 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr. Cooper is saying chase is at fault, and XXXX  is saying Mr Cooper is at fault. This morning I woke to a XXXX $ Checking account balance taken from my account, 7 withdrawals of 2752.45 each. Overdrawn my account and didnt take any of my calls to correct this issue, calling the number took me to an automated service and then transferred me to customer service which stated because of Covid they can not take my call with the high call volume and hung up. I called numerous times and same results. I dont have automatic payments setup nor did I approve these charges. I had to pay 30 $ to stop payments to from XXXX  and was not able to purchase food or gas or anything because of this today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
As if today XXXX XXXX I already made my mortgage payment for the month of XXXX. 
But when I woke up this morning I was in shocked because when I checked my bank account I saw that theres 8 pending mortgage payment of {$2400.00} totalling {$19000.00} from Mr Cooper. 
I didnt authorize that payment.

Company response to consumer: Closed with explanation