vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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: LEXISNEXIS
State: MI

Complaint narrative:
I filed for bankruptcy in 2016. When the clerk at the bankruptcy court entered my case information, they forgot to add my XXXX XXXX XXXX to my bankruptcy despite the information being in the filing documents. The bankruptcy clerk, instead of amending the filing to correct their error, dismissed and refiled the bankruptcy under a different case number. My credit report shows I have two bankruptcies from 2016, which is greatly affecting my credit score. I provided the credit reporting agency with the document from the court indicating that they made an error, and refiled the bankruptcy. The credit reporting agency LexisNexis refuses to remove the bankruptcy erroneously reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I received a call from Lvnv funding, several in one day. The guy who I spoke to said to me, '' You keep disputing this debt, either you can pay it or ruin your credit. " ..., I hung up. 
I get another call from LVNV funding from a private number, same aggressive talking.I dispute this company on my credit report because information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TN

Complaint narrative:
I'm making this statment, because I was not the person who is responsible for applying for these accounts. I have never applied nor used these accounts for my self benefit. My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus. Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine. I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.

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 2021-02-19 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: MI

Complaint narrative:
I filed for bankruptcy in 2016. When the clerk at the bankruptcy court entered my case information, they forgot to add my XXXX XXXX XXXX to my bankruptcy despite the information being in the filing documents. The bankruptcy clerk, instead of amending the filing to correct their error, dismissed and refiled the bankruptcy under a different case number. My credit report shows I have two bankruptcies from 2016, which is greatly affecting my credit score. I provided the credit reporting agency with the document from the court indicating that they made an error, and refiled the bankruptcy. The credit reporting agency XXXX refuses to remove the bankruptcy erroneously reported.

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 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Amerifund Home Mortgage LLC
State: NY

Complaint narrative:
I applied for a refinance from Amerifund in XXXX of XXXX</br> I completed all the required document submissions by the end of XX/XX/2020. 

They told me I was approved. They told me I needed to wire them {$3100.00} as an " application fee ''. I did this. They also charged me an additional {$750.00} as a " CEMA '' fee. I paid this by check.

Since then, they've been delaying the loan closing! 

They do this by asking for a new document each week. Then they tell me that an older document has " become stale '' and must be re-submitted. For example, I've had to provide bank balances and pay stubs multiple times. There have been two appraisals. 

On XX/XX/XXXX, they agreed to lower the rate ... but they are still delaying the closing. 

They always tell me that " this is the last thing we need '' ... and then ask for something new after a few days. Just last week, they asked me to prove that a parking ticket they found in an old database wasn't mine! Not only was the ticket not mine, but I had already submitted this information in XXXX! Now, they are asking again. 

Notice that they have not *denied* me a loan ( I have their approval in writing ) they simply delay ... and delay ... and delay. 

Meanwhile, I'm out the {$3800.00} I foolishly wired to them! 

And I can't apply for another loan because they've got my Application Fee! 

Lastly, every time they ask for a new document, there's a chance that I might no longer meet the acceptance criteria. What if a new appraisal comes in lower? What if I get my hours cut at my job? 

It's almost as if they're waiting for me to slip up and give them a legitimate reason to deny me the loan -- and keep my {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These accounts are fraudulent and unverifiable. 

ACCOUNT : XXXX XXXX XXXX XXXX {$6700.00} INQUIRIES : XXXX XXXX XXXXXXXX XXXX  These accounts are unverifiable, fraudulent, and are in violation of my consumer rights. I am requesting to permanently remove these accounts and inquiries.

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 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I received a call from XXXXXXXX XXXX, several in one day. The guy who I spoke to said to me, '' You keep disputing this debt, either you can pay it or ruin your credit. " ..., I hung up. 
I get another call from XXXX XXXX from a private number, same aggressive talking.I dispute this company on my credit report because information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In attempt to pay my vehicle off earlier without being hit with interest each time I would add additional monies to my regular monthly payment and on at least two occasions I sent an additional regular monthly payment only to learn the company was hitting me with interest on every single payment. Upon learning this I reach out to the company and ask what can I do to prevent from getting charged additional interest. I was informed by several agents that I must submit the extra monies on the same day as I send my regular scheduled payment, ok. Where the problem come in is for my XXXX note I call myself being proactive and paying my regular schedule payment one day early and then I sent another monthly payment the very next day. only to learn later the company took interest from both payments submitted. When I reach out to the company to learn why they charge me interest both times they said because I did not send both payments at the same time. As a consumer I pride myself on doing the right thing by making timely payments and sending extra therefore, I should not be penalized for sending extra payments in early or even if I send the extra payments a day or two later. I did receive a call from the Executive Office on XX/XX/21 but did not get anything accomplished because the female answering the phone said she was calling regarding a complaint I submitted to the company via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
While checking my latest credit report, I have noticed several credit inquiries from XXXX and XXXX of 2020 which were never authorized by me and I have never applied for these accounts.

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 2021-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cadillac Accounts Receivable Management
State: MI

Complaint narrative:
I received a court notification back in XXXX of XXXX regarding a XXXX  XXXX  company that was the original company but Cadillac account rec was the collocation company it was a old bill back in XXXX that my insurance company had paid. I went to court and my insurance company didn't provide me the proof in time so I had to pay the full amount and attorney fees in the amount {$580.00}. I paid it and three months later I see a notice on my credit report for another {$81.00} never received bill never received a notice I called the XXXX  XXXX  company and was told they have no knowledge of this I called Cadillac Account and they hung up on me. I went to court and paid everything and now another account and debt is added with no proof I owe this and not notice I owed this after I was told all I owed was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To whom it may concern, I have reviewed my credit profile and have noticed the alleged account ( Capital One Bank USA ) that Is reporting to your bureau with a number of Discrepancies in the ( account ending in XXXX ) with the following information ( Name of Creditor : Capital One Bank USA NA ), ( CLOSED DATE XXXX XXXX ), ( minimum monthly payment -- ), ( Worst payment -- ), ( LAST payment XXXX XXXX ), ( account closed by credit grantor ), ( CONTACT ADDRESS XXXX XXXX XXXX Virginia, XXXX USA ) is being reported on XXXX. 

However, XXXX  is reporting the same alleged account ending in ( XXXX ) information ( NO CLOSED DATE ), ( Name of Creditor : Capital One Bank USA NA ), ( minimum monthly payment {$0.00} ), ( LAST payment XX/XX/2021 ), ( REMARKS : canceled by credit grantor ), ( CONTACT ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX USA ). 

If this is the same creditor, the information would reflect the same information and not be different. 
I have enclosed for validation a screenshot of the alleged account information and the inaccuracies reporting to XXXX and XXXX, showing the different in this alleged Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Bluebird has stolen over {$1400.00} from my prepaid card. They have done this by freezing my account, they will not answer any of my calls, they are blocking my automatic debits for auto insurance, cable, etc. My utility bills, student loans, etc. are past due because of their theft. They decline me every time I try to male an ATM withdrawal to pay my bills. They have basically robbed me of my income and they apparently answers to no one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The following accounts appearing on my credit report are fraudulent : XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, COMENITYBANK/XXXX  XXXX  XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$3600.00} I reached out to the XXXX, XXXX and XXXX  credit bureaus several times .The last correspondence was XX/XX/XXXX. I have received no valid response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Account is fraudulent and unauthorized. I do not have any knowledgement of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Farrell Holdings, LLC
State: UT

Complaint narrative:
My auto loan with prime acceptance Corp was closed years ago, the vehicle repossessed. I then filed bankruptcy, and this account was on the bankruptcy. They are still reporting it as an open and late account. I filed a dispute on XX/XX/2020. They denied the dispute and started the account was still active. I have now filed a second dispute today, along with filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I lost my wallet on XX/XX/XXXX in Washington DC. The person who found the wallet withdrew money from my bank account at the ATM. I called the bank and froze my account and reported the fraud that occurred on the account. I also called the police and opened a claim for the lost. The bank name is TD bank, they took first of all a month to send me a card then without contacting regarding the case they denied the claim. I appealed and got denied because they said I missed their call. I decided to reappeal because I did not make these charge and need my money back. yesterday, I called the bank and asked for the case to be reopened. The lady I talked to told me that the case was lacking details and she was going to get more details from me. I re explained what happened and asked if they could work with the police and get more footage videos from the bank where the person took the money. I am very disappointed in the way they handled my case. First, my card took forever to be sent knowing that I have XXXX kids and I use my card on the daily base. Second, they did not follow up with me regarding the case or call me for more information. Also, they are denying the case base on how they are feeling about it without checking evidences on either or not the fraud occurred. Please I am writing this complaint for you to help me. I lost around XXXX dollars and that is a lot of money for a single mom. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Account is fraudulent and unauthorized. I do not have any knowledge of this account.

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 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA RECOVERY SERV is claiming that I owe them {$1500.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CONRAD CREDIT CORPORATION
State: FL

Complaint narrative:
The following accounts appearing on my credit report are fraudulent : XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, CXXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$3600.00} I reached out to the XXXX, XXXX and XXXX  credit bureaus several times .The last correspondence was XX/XX/XXXX. I have received no valid response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AFNI INC.
State: NY

Complaint narrative:
Afni threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
Account is fraudulent and unauthorized. I do not have any knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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:
I notified all three bureaus that I am a victim of identity theft

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