vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: NY

Complaint narrative:
Lexisnexis has reported all claims from XXXX XXXX as at fault insurance claims when they should be no fault auto claims, I have letter from XXXX XXXX  that they were not my fault but they have done this as a result of this I am unable to get auto insurance in the normal route and when i get through the new your auto policy, the premium is way too higher. Plus they have also added some points on my data, I dont know what those points were assigned to me for, I checked my DMV record and I dont have any points associated with that. I dont know what this company does because of their careless reporting My Insurance has increased a lot and also why these private companies are controlling our fate. when DMV has something called driving record in place why companies like lexisnexis. they necessarily cause trouble to people like us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: A-1 Premium Acceptance, Inc.
State: MO

Complaint narrative:
They claimed to only have processed a payment from XX/XX/XXXX, but have tried to take another payment from me XX/XX/XXXX after setting up a payment for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
The credit card was opened and payments were made however we had financial hardships and then the pandemic happened. there was a reduction of pay in the household as well as a death of an immediate family member. I reached out to XXXX who originally owned the account and offered to make XX/XX/XXXX monthly payments as long as no other interest is applied at the beginning of the pandemic explaining the household situation. I asked for a written confirmation. They did not reply. My father who is also Mr XXXX but with a Different Middle Name and the true owner of the house was just served a summons in my name and recorded without his consent - the gentleman that served said he was from the county of XXXX XXXX - he thought it was contact tracing and XXXX related as an XX/XX/XXXXveteran, the gentle man. The lawfirms information was incorrect. Additionally the lawfirm did not send any written communication regarding this or phone calls to me. The mother of my children was there to witness this all. This is unfair business practices and my father felt intimated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Genesis Credit Management also known as Columbia debt recovery has flagged an account as Derogatory/ late payments when I have no signed contract with them in order to scare me into paying them money, that severely damaged my credit. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they reporting to all credit Bureaus. I've sent them two letters sent on XX/XX/XXXX both mailed to there multiple addresses asking them to show me proof of a contract. They received my letter on XX/XX/XXXX in which they responded by email to me saying we have a settlement my account is eligible for a discount please contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXX XXXX Date Opened XX/XX/XXXXXX/XX/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 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Southwest Business Corporation

Complaint narrative:
I had a mortgage for with XX/XX/XXXXa subsidiary of SWBC, which was closed on XXXX XX/XX/XXXX after the sale of my home, XXXX XX/XX/XXXXXXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX I had notified them of my new address, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX, XXXX to send the escrow balance check for {$13000.00}. 

After 1 months of waiting and still no news of the check I started inquiring and finally on XX/XX/XXXX, after going through long hold at the end of a telephone and web inquiries, it was determined the cheque was mailed to my old address where I do not reside. I had mail forwarding till XXXX, so even if the check was sent to the old address I would have received it. Finally, I was told on XXXX another check was sent to my new address, but I am yet to receive it and currently unable to reach anyone at XX/XX/XXXX either via email nor phone. It is out of desperation that I am reaching out. 
Impacted by the COVID crisis I lost my job, which led to me selling the house, hence not in a great position. I need this money badly, hence requesting a wire transfer with a compensation for the agony these guys have put me through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
Received a debit/Visa card from us bank ReliaCard that I did not sign up for

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 2021-01-05 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
National Credit Systems is a third party debt collector that have been reporting incorrect information to my credit history as well as harassing me. They stole my information they claim they purchased without my consent and knowledge and started trying to collect a debt that does not exists. I have reported on numerous occasions that they are acting illegally but they claim they are justified because they are a third party debt collector. I do not owe any debt furthermore did not authorize to be contacted in anyway with this company. They have not provided any documentation, proof etc to prove their claims are legit. All they can provide is a contract they have with the creditor and not with me. I did not authorize my information to be sold to a third party debt collector. I do not owe any debt. I do not agree or consent to being harassed by a company I have no relation with or knowledge of. That is against the law. This company can not provide any documentation from XX/XX/XXXXthat proves any liability or debt except for a receipt they may have gotten. Furthermore my signature authorizing any of this have not been provided to this company. For all I know this company stole my information and have been harassing me. I want it to stop. I want National Credit Systems to drop from my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XX/XX/XXXXfile and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for 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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX XXXX Date Opened XX/XX/XXXX XX/XX/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 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
transferred money from XXXX  XXXX XXXX  account to XXXX  XXXX XXXX account I got an email saying someone sent you money, but for some reason it is now going to take 1-3 business days despite in the past it was done same day. I have transferred money between these two accounts in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servatus Corporation
State: TX

Complaint narrative:
This company has placed a collection items on my report that do not belong to me. I have written them in efforts to inform them on multiple occasions and they are unwilling to remove the alleged account or to respond to my correspondence via certified mail. 
The alleged account :XXXX  XXXX XXXX XXXX XXXX. This account is causing harm to me and my credit file. I have sent them over 4 separate affidavits with no reply. This account does not belong to me and I request immediate removal from my credit and or the immediate issuance of {$3000.00} for punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The credit card was opened and payments were made however we had financial hardships and then the pandemic happened. there was a reduction of pay in the household as well as a death of an immediate family member. I reached out to JcPenny who originally owned the account and offered to make $ XXXX monthly payments as long as no other interest is applied at the beginning of the pandemic explaining the household situation. I asked for a written confirmation. They did not reply. My father who is also Mr XXXX but with a Different Middle Name and the true owner of the house was just served a summons in my name and recorded without his consent - the gentleman that served said he was from the county of XXXX XXXX - he thought it was contact tracing and COVID related as an immune suppressed veteran, the gentle man. The lawfirms information was incorrect. Additionally the lawfirm did not send any written communication regarding this or phone calls to me. The mother of my children was there to witness this all. This is unfair business practices and my father felt intimated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a boyfriend overseas, who I met online. Hes told me he trying to come back to Ohio and he needs to get things done before he arrives back. He told me that he would deposit money into my account from a company that he has people working for him in and wanted me to help him send this money to certain places and people to help him get a place to stay, car, furniture etc for when he arrives back. The deposit came through on XX/XX/XXXX from a company named XXXX XXXX. He asked me to go to the bank on XX/XX/XXXX, XXXX, XXXX to withdraw large amounts of money and send it to certain people. I didnt think anything of it because he sold me on a dream that he was preparing to come home to me and my children, hes spoken about marriage and has even sent me gifts to my home for XXXX XXXX and my past birthday in XXXX and he said he was trying to get things together for us before he arrives. He then asks me to go to the bank again on XX/XX/XXXX. The day of XX/XX/XXXX I attempt to go to the bank and withdraw the amount he asked me to withdraw and it was not approved and thats when I was told they are now looking into the account for fraud. I had no idea all this was going on. I truly believed what the guy I called my boyfriend was saying to me, seeing as I have been talking to him since the beginning of 2020 in XXXX. He was telling me because of covid pandemic he can not leave right now and he has to send his funds over now to get things ready for us before his return and I was just oblivious enough to believe it. On XX/XX/XXXX after I called the fraud department to see what was going on and they told me it was being investigated, I became scared and upset because I did not know what was going on and I immediately called the attorney generals office and told them I suspected I had unknowingly been involved in a scam and fraud. The lady I spoke with took my information and advised me to file a police report and get copies of it and file a complaint with consumer finance bureau because she suspects I was apart of a Relationship Scam. I then called the police and had them come out to my home so that I can provide a police report of what was going on. I honestly had no idea that this was going on and I was unknowingly involved in something I would never in my life do! Im a full time XXXX with 3 jobs and XXXX kids. I would never put my children in jeopardy like that! Ive called today to request a copy of the police report to add it to this but they said since it was given last night ( XX/XX/XXXX ) it will not be finished until XX/XX/XXXX and thats when I will be able to forward it to everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This company called me threating repeatedly about a debt that does not belong to me. I informed them on that and they still were persistently making false accusations. I noticed they applied an account that is not mine to my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
My Loan # XXXX This complaint is an additional to complaint filed XX/XX/XXXX and has relevant documentation of mortgage and escrow payments to PennyMac, please add and accept.

There are 3 files uploaded from my bank-XXXX XXXX XXXX XXXX, to show how much, when, and what date payment were made to PennyMac for a 16 months ( XX/XX/XXXX until XX/XX/XXXX ) until mortgage loan closing. 
My PennyMac mortgage payments were {$1100.00} from origination date ( XXXX ) until XX/XX/XXXX. However, my mortgage was reduced to {$1100.00} due to an ESCROW SURPLUS and I began making payments of {$1100.00} beginning XX/XX/XXXX. 
Payment BREAKDOWN ( $ XXXXPrincipal+ {$370.00} Escrow ) = {$1100.00}. 
All payments were made on time from XXXX to XX/XX/XXXX. Then I applied for a COVID-19 HUD forbearance for XXXX XXXX XXXX, however I continued to pay my escrow of {$370.00}. 
After an escrow analysis in XX/XX/XXXX, I resumed my mortgage payments with as set by PennyMac, with an increased total payment of {$1100.00} until XX/XX/XXXX closing. 
I have NEVER failed to make escrow payment during any month since PennyMac mortgage origination date of XXXX and have attached financial documentation. 
PennyMac has continued to falsely state this about me to you in their response, which stated my mortgage escrow had over a $ XXXX {$4000.00} shortage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: PA

Complaint narrative:
already payment made and settled. Still reported to credit agencies. 
Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a lot of days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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