vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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 is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a Business Adverse Action letter from XXXX XXXX XXXX where I am shopping for a new homeowner insurance. The letter said they put a surcharge on my premium because the information they received from LexisNexis XXXX XXXX in XXXX. 
In the LexisNexis report, there was an insurance claim listed for XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ). After talking with XXXX, I have learned that a phone inquiry on XX/XX/XXXX has been changed to a claim without my knowledge. One of the insurance item I had with XXXX called " home system protection ''. When my furnace was broken on XX/XX/XXXX, I called the company to ask if it is covered by " home system protection ''. I didn't get the answer on the same phone call. Later I paid everything by myself to fix the furnace and did not get a penny from XXXX. I never thought this phone call became a claim and it is against me now when I shop for new insurance. After discuss with XXXX I was provided by a letter saying that the claim was closed and payout was {$0.00}. However, after I presented this letter to XXXX, I was told that the surcharge can not be removed because the claim was still there regardless the payout amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
An old collection has not been removed from all of my credit reports. A debt for XXXX from XXXX XXXX XXXX was removed from my XXXX  report earlier this year, but it still appears on my Equifax and XXXX. It should be removed from all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  XXXX XXXX requested a copy of my credit report Experian. I did not authorize them to do so.

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 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am trying to merge my old cash app with my new one so that I can access funds that were sent to my old cash app account I no longer have the phone number attached. I performed all of the steps that was listed under the cash app support options and still got no results. I called the XXXX number listed online for cash app and could not get a live operator on the phone and the automated system was very unhelpful. I also sent an email regarding this matter yesterday and was told that someone would get back to me a soon as possible but it has been 24 hours and no one has responded. My stimulus check was deposited into my cash app and I can not retrieve my funds that I desperately need access to and can not do so until Cash App can merge my account with my new one. Please fix this matter ASAP because it is a major inconvenience to me and my livelihood right now creating too much anxiety for me. You would think that they would have a more professional less stressful way of providing services to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
XXXX Dear Consumer Financial Protection Bureau : I had a XXXX lease that matured in XX/XX/XXXX. When I returned the vehicle, It was clear that the lease was terminated and paid in full. I then received a letter in XX/XX/XXXX with a settlement offer, which I did not know the meaning of, yet I paid the amount asked for. My understanding was that this settlement was a settling of affairs and had not a clue that this was actually a settlement of a disposition fee. According to XXXX, there were earlier letters sent out to me ; however, I did not receive any letter before XX/XX/XXXX at which time I promptly paid the amount asked for, as stated above. Unfortunately, the settled amount is resulting in two lates on my otherwise exceptional credit profile with the three main bureaus - XXXX, XXXX and XXXX. I have written three letters to XXXX explaining the above and requesting the deletion of the XXXX and XX/XX/XXXX late remarks and charge-off status remarks that are presenting on my credit profile, so that the account reflects my flawless payment history with XXXX. XXXX has yet to answer my request, even though my first letter was overnighted to them on XX/XX/XXXX. As it stands, the credit profile deceivingly appears as if car lease payments were actually late, which they never were, and XXXX XXXX reporting does not adhere to the Fair Credit Reporting Act that demands accurate reporting. When I returned the vehicle, I inquired if we were all done and I was told that we were all finished without any indication of a future invoice from XXXX. In the lease, it does say that a disposition fee will be collected upon return of the vehicle ; since I wasn't asked for the fee when I returned the vehicle, I understood that the fee had been absorbed during the life of the lease or offset by my security deposit, which the lease delineates. I am requesting that the XXXX and XX/XX/XXXX lates be deleted from my credit profile so as to accurately reflect my perfect payment history with 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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: TN

Complaint narrative:
I filed a complaint in XXXX about this company incorrectly reporting information about my account and my due date and amount due being inaccurate. The Claim number is XXXX. They still have not responded to the complaint and now they are reporting it erroneously on my credit report. They are showing the account 84 days past due when it is only due for the XX/XX/2021 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TX

Complaint narrative:
An old collection has not been removed from all of my credit reports. A debt for XXXX from XXXX XXXX XXXX was removed from my XXXX report earlier this year, but it still appears on my XXXX and Experian. It should be removed from all 3.

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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I orginally disputed this collection from my credit report which has this debt under XXXX, no where on any of my credit reports show that this company, CONVERGENT has ever attempted to collect a debt. also, I have never received a letter from this company with regards to any debt. They have violated my rights and I want this removed from my credit. Lastly, a bill is not a validation of debt which is what they provided me and the account number on the bill doesn't match the account number on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: AL

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to XXXX and TransUnion about an inaccurately reporting item that was adversely affecting my creditworthiness. Both companies reported back the item had been verified by XXXX XXXX. I also notified XXXX XXXX that they were hurting my livelihood by reporting inaccurate information about my account, they responded to my concern with a frivolous letter. I responded to XXXX and TransUnion with proof of the inaccuracies on a letter dated XXXX XXXX wrote a letter to the CEO of XXXX XXXX concerning the matter. XXXX XXXX sent me a letter dated XX/XX/XXXX, to settle the matter at a discounted price. I purchased a money order from the USPS and sent it certified mail upon complete removal of the account. As of date, XX/XX/XXXX, inaccurate data is still reporting. TransUnion nor XXXX responding to a letter requesting the method of verification, yet still, they report UNVERIFIED inaccurate 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 2021-03-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc.
State: MI

Complaint narrative:
This is a rebuttal to the closed case XXXX : The response is unsatisfactory and does not address the following : I provided documentation showing payments were withdrawn from my account on XX/XX/20 and XX/XX/20. Where were those funds applied to? There was no way BSI would have let me go without making payments 2 months in a row. I AM ATTACHING ONCE AGAIN MY PAYMENT HISTORY. TO INCLUDE WHAT IS ON THE WEB PORTAL AND MY FINANCIAL INSTITUTION. 

I have talked with customer service with no unusual wait time. In my complaint I addressed the fact that the Loss Mitigator, XXXX XXXX, does not answer the phone, return calls, or answers emails period. He is assigned to my case and it is no excuse. I was specifically told by the last Complaint Specialist answering the complaint that XXXX is suppose to talk to me. He in fact is very rude and nasty. In addition, he provided a plan by investors designed to take my home. In fact it is more than the mortgage is worth. 

In addition, I have asked customer service for a manager and they are refusing to transfer me to the manager XXXX XXXX. This is not customer friendly. Consumers have a right to speak the manager. They are not transferring customers and intercepting in the call.

There are so many complaints on the consumer affairs website on the same issues I am not the only one. I WANT TO BE TRANSFERRED TO ANOTHER LOSS MITIGATOR. I WANT TO TALK TO A MANAGER PERIOD!!! 

Third on the reversal, it is important to notify a customer when you make any changes to someones account. THERE SHOULD HAVE BEEN SOMETHING WRITTEN. NO ONLINE WHERE IT STATES REVERSAL. I should not have to complain to get a response ON THIS MATTER. THIS IS ILLEGAL. JUST MAKING CHANGES TO SOMEONES ACCOUNT WITHOUT NOTIFICATION IS WRONG FLAT OUT!!! 


Finally, I have no loan documents. I never have from this company. I have asked many years ago to provide me loan documentation. You have not done that. I WANT DOCUMENTATION ON THIS LOAN WHEN IT WAS TRANSFERRED TO YOU!! IMMEDIATELY!!! THIS IS ILLEGAL. 

This company has predatory lending habits. I have forwarded my complaints to the Attorney General to investigate this place. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
Velo Law Office filed fraudulent lawsuit in XXXX District Courthouse XXXX, MI as if I breached a contract and XXXX XXXX XXXX XXXX XXXX hired Velo Law Office who provided services for car accident in XXXX and dates of services were in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Velo Law Office failed to sue XXXX XXXX for the unpaid medical bills {$7700.00} and 3 providers received settlement from XXXX XXXX after XX/XX/XXXX. Velo Law Office lied to Honorable Judge XXXX as if my injuries weren't auto related to prevail judgment against. Due to XXXX XXXX XXXX XXXX XXXX provided services for Motor Vechile Accident that Velo Law Office have no merit to sue and would have sue me within one year of MCL 500.3145 based off of new ruling case-AUTO-OWNERS INSURANCE COMPANY V COMPASS HEALTHCARE PLC ( Per XXXX XXXX ) case ruled by the Michigan Court of Appeals on XX/XX/XXXX, XXXX in which the Michigan Court of Appeals ruled that medical providers can't sue patients past one year of MCL 500.3145 for services rendered as result of MVA XXXX 
" Debt Scam ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Alleged Charged off account XXXX Bank of America is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute which accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by this company on XX/XX/2021 I am yet to receive a response from them, yet this alleged charged off item is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
someone has been going to the hospital under my identity, which is fraud. I also have active XXXX insurance, and it is placed for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I missed a payment with XXXX XXXX due to having COVID-19. The charge was for a promotional service who automatically charge my card for {$10.00}. When I became aware this account was past due I made a payment right away on XX/XX/XXXX. I called XXXX and explained I had COVID and was not aware of this charge. They removed the late fee and said they would update my account. Instead of updating my account they reported me late to the credit bureau and now my credit was reduced by over 50pts. I disputed the late payment through Transunion and XXXX reported I was late and it should remain on my account. I called XXXX on XX/XX/XXXX asking if they could remove this from account due to me having COVID along with me being a loyal customer for over 20 years. They told me no because it was not their error. I explained again the payment was missed due to me having COVID and not being able to check my mail they refused to remove 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 2021-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX. 2021, I called Loan Depot ( loandepot.com ) to inquire about streamlining refinancing of my existing FHA loan with the option as stated in the FHA/HUD guidelines of not credit qualifying, as my credit score is low. While it has come up over 50 points in the past year, I continue through COVID working hard to get it up even further but have an opportunity to save at least {$450.00} a month with a refinance given the current interest rate market. I meet all the other qualifications to refinance. I spoke with XXXX XXXX, XXXX ID XXXX. I explained the situation precisely, what I was looking to do and that I had credit concerns. he acknowledged an understanding of how the FHS streamline refinancing works, stated that Loan Depot can help me, and started the process of starting an application. He couldn't find me for whatever reason and asked for my ss # as an identifier which I provided. He then without asking or telling me, ran a hard pull on my credit. I was made aware of that through the credit monitoring service ( XXXX ) I use. I asked him why he pulled my credit and she said he did it to identify me. With the pulled report, their system showed no options for loans and it appears they don't do FHA streamline refinancing or don't understand them as he originally indicated. I asked if he could somehow reverse the inquiry as he had no permission to do so and he never responded, after multiple attempts. Most of our back and forth including the entire exchange with pulling credit was done by text and the transcripts are available. If I could not be helped, that is fine. But, I should not leave in wore shape than I came to them in. Bad Business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Incomm Holdings Inc.
State: KS

Complaint narrative:
I received a My Vanilla prepaid debit card in the mail that I did not order. It was in my name and to my address but I did not order it. I have already reported this to My Vanilla. They have cancelled the card and started a case, # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CT

Complaint narrative:
On XX/XX/2021 I reached out to the credit companies about a few errors that I saw on my report. It's been over 30 days not and I still have yet to hear anything back from they. I have been checking my credit report to see if anything change but everything is still the same.

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 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Comerica
State: WI

Complaint narrative:
I believe Comerica bank the underwriter of DIRECT EXPRESS for XXXX is discriminating based upon XXXX. Id like to speak to someone in person. 
Theyre not giving a routing number to EVERYONE only in certain states and then it is a group. Thus defining the XXXX. 
Also using 2 numbers to dedicate at the start of each cards number who is getting funds and who is not. 
I can not file my taxes or recieve my stimulus because of them. 
THE SHEER FACT THAT I HAVE TO DO ALL THIS TO GET A ROUTING NUMBER IS PROOF IT IS XXXX DISCRIMINATION. HOW WOULD SOMEONE WHO IS HOMELESS BE ABLE TO EVEN MAKE A COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NH

Complaint narrative:
They are ignoring my written request and not removing the XXXX XXXX of {$330.00} this debit that is not mine, I do not have a XXXX account and they are reporting on the credit bureau I live in Michigan and I never have, this debit is not mine. I disputed with the credit bureau and I am getting the debit is mine. I have lived in NH for over 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Account was restricted in error from bank. I was charged multiple nsf charges and it has not be credited. Bank stated they could not find I owned my own business thats why it was restricted once info was sent it now its magically not restricted and i was charged like 50 nsf charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I need expedited removal of the account that has been re-aged on my credit report. The Date of First Delinquency field on previous reports contained an incorrect date and I disputed this date over and over again with both the CRA and the Furnisher and it was never corrected, always verified as accurate. Now the Date of First Delinquency field is blank, showing no date at all.

This date is important in order to calculate the 7 years for the account to be removed. Please note : Per the complaint instructions, attachment does not include my personal identifying documents.

Company Involved : Equifax Information Services, LLC ( CRA ) Company Involved : XXXX XXXX XXXX XXXX XXXX ( Furnisher )

Company response to consumer: Closed with explanation