vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 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: GA

Complaint narrative:
For bankruptcy public records collected through XX/XX/XXXX, XXXX obtained information about bankruptcies from a third-party vendor, LexisNexis. Due to an error on my credit report, the bankruptcy was found to not belong to me and someone of a similar name. On XX/XX/XXXX, I filed a dispute to omit the erroneous bankruptcy of my credit report. The bankruptcy came back on XX/XX/XXXX as " Verified '' although there is no Bankruptcy on my Lexis Nexis Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ).

After providing sufficient evidence that the Bankruptcy is not mine through Court Sealed documents and my Lexis Nexis Consumer report on XX/XX/XXXX via USPS postal mail via tracking number XXXX showing no Bankruptcy on my Lexis Nexis Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ). XXXX verified the Bankruptcy as Verified from Lexis Nexis on XX/XX/XXXX despite no Bankruptcy ever being on my Lexis Nexis Consumer Report. 

As well, they did not state who they verified who they sourced this public information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I was admitted at XXXX XXXX in XXXX, CA. I was under XXXX XXXX On XX/XX/XXXX I received a bill from the XXXX XXXX XXXX XXXX for {$1200.00}. I called them and gave them my medical ID. A few months later I received a statement and a letter saying it was going to collection. I called them again. The gentleman on the phone said that they had my XXXX XXXX XXXX to not worry about it. I received a notification yesterday that my credit report included a collection. I called the credit collection company that confirmed that it was related to XXXX XXXX XXXX XXXX. I confirmed with XXXX XXXX XXXX was covered since XX/XX/XXXX and there was no reason for them to send it to collection. Now the collection company is asking me to jump hoops to prove that i was covered when it should have never gotten this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: CA

Complaint narrative:
Credit Bureaus are ILLEGALLY reinserting FALSE information into my credit reports. A while ago, I noticed an account on my report that did not belong to me, I had filed an identity theft report with the police. Under investigation, they proved that the account is a result of fraud and removed it from my report. Years later, when I reviewed my credit report, I noticed that the fraudulent account had REAPPEARED on my report! 

Previously, the credit bureaus investigated the following collection account and determined that it did not belong to me ; and thus, you deleted it from my credit report : Account # XXXX Account XXXX Now, it has reappeared on my credit report, which is a violation of law. 

The Fair Credit Reporting Act states : The information may not be reinserted the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
" The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. '' And, they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. 

I was NEVER NOTIFED. Nor was I given the opportunity to explain that this does not belong to me.

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 2021-09-10 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: CA

Complaint narrative:
Credit Bureaus are ILLEGALLY reinserting FALSE information into my credit reports. A while ago, I noticed an account on my report that did not belong to me, I had filed an identity theft report with the police. Under investigation, they proved that the account is a result of fraud and removed it from my report. Years later, when I reviewed my credit report, I noticed that the fraudulent account had REAPPEARED on my report! 

Previously, the credit bureaus investigated the following collection account and determined that it did not belong to me ; and thus, you deleted it from my credit report : Account # XXXX Account XXXX Now, it has reappeared on my credit report, which is a violation of law. 

The Fair Credit Reporting Act states : The information may not be reinserted the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
" The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. '' And, they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. 

I was NEVER NOTIFED. Nor was I given the opportunity to explain that this does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: DE

Complaint narrative:
On/about XX/XX/2021, my cell phone and my business phone both rang with the same phone number. It was a robotic call. It didn't state the company name or what the call was in regards to. After work, I called the number and asked for the company name. I was told she couldn't give me any info unless I verified my identity with them. Once I verified my identity, she reluctantly gave me the company name. I told her to cease all communications to my work number or cell number and told her I only wanted to have communications via mail. I requested a full financial history of the debt to be mailed to my address. Within minutes after the call, the rep emailed me. On XX/XX/2021 I went onto the website and submitted a " contact us '' asking to cease all communications via email and phone calls and to only communication via USPS mail. I also requested a full financial transaction history of the debt to be mailed to my residence. Since this request was submitted, I've received at least one phone call per day on both my personal cell and my business phone. My boss has told me I'll be fired if the calls continue. I have not yet received the requested documentation in the mail, or any other way otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CA

Complaint narrative:
Credit Bureaus are ILLEGALLY reinserting FALSE information into my credit reports. A while ago, I noticed an account on my report that did not belong to me, I had filed an identity theft report with the police. Under investigation, they proved that the account is a result of fraud and removed it from my report. Years later, when I reviewed my credit report, I noticed that the fraudulent account had REAPPEARED on my report! 

Previously, the credit bureaus investigated the following collection account and determined that it did not belong to me ; and thus, you deleted it from my credit report : Account # XXXX Account XXXX Now, it has reappeared on my credit report, which is a violation of law. 

The Fair Credit Reporting Act states : The information may not be reinserted the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
" The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. '' And, they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. 

I was NEVER NOTIFED. Nor was I given the opportunity to explain that this does not belong to me.

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 2021-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I paid off my car. The bill of sale and odometer disclosure was signed. Now Im having a problem with Ally bank mailing me my title. I called them and was told the whole process takes 2 weeks for me to get the title. They received my cashier 's check on XX/XX/XXXX. Two weeks have now passed and still no title. I have called them and they cant provide a tracking number because the title hasn't been mailed. It is written on their site that the title will be mailed to me approximately 4 days after my check is cashed, which has already happened fourfold. 
Also, it is written on their website that they have a title tracker so that I can track my title progress. That is also not true, there is no title tracker. 
I just want to get my title.

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 2021-09-09 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: OH

Complaint narrative:
I have 2 accounts in collections that aren't supposed to be because they were paid off. Other inquires on account aren't me/accurate 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 2021-09-09 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: OH

Complaint narrative:
I have 2 accounts in collections that aren't supposed to be because they were paid off. Other inquires on account aren't me/accurate 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 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am being sent to collections by an insurance company that I still have a paid up policy with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Credit Wise Recovery Solution LLC
State: LA

Complaint narrative:
I have credit wise account attached to my XXXX  XXXX account. Today XX/XX/2021, when I went to check my credit score update there was an alert on my account. when I checked the account it said another name was associated with my social security number. The name stated was XXXX XXXX. Credit wise said they received this information on XX/XX/2021 but this was the first time I was informed. My credit card balances are all accurate, I have no false infromation, other than XXXX XXXX name on my account and no money is missing from my accounts. I am trying to file a fraud alert to make sure this XXXX XXXX is stopped from perhaps trying to use my credit, or deplete my accounts. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2021-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been trying to reach my loan company since XX/XX/XXXX. I needed help accessing my account to make a payment on my loan. BBT transferred to Truist requiring a new application on my phone and I needed login assistance. Could not get anyone to help Friday XXXX XXXX. There fore making my payment late. I tried again on Saturday to get into my account and successfully got in but then the desktop version would not let me select the date, but instead populated itself and then gave me an invalid date message. I again tried to reach the institution and the only 24 hour number I could call was for Credit card only, who transferred me to technical support who was closed. Flash forward Payment finally made on XX/XX/XXXX, now really late. At this point with the frustration I called to get pay off information to try and refinance the loan. Tonight XXXX I called and chatted the company. XXXX chatted me that in order to get the statement I needed to CALL. I informed her of the trouble I had in which she noted. I then continued to hold on the same number I was instructed to call but already had. When XXXX answered he informed me that he also could not help me especially with it being after hours in which I informed him I held for 45 minutes and could not help that it was now closing hour. He informed me that both the website and XXXX informed me incorrectly and I would need to fax a request for payoff information where I would not get it back until 24 to 48 hours. The company refuses to help customers by anwering in a timely manner, handling financial accounts with efficiency, etc. I work in customer service and am appalled at what it takes to get ahold of someone at this financial institution, let alone get what I need to try and take my business elsewhere.

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 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I opened an account in XXXX when I lived in the XXXX. Since moving home to XXXX I have not used the account. The account was frozen and I was unable to access my funds. I was unable to see the account on online banking and unable to make online purchases. Despite many attempts to have the account reactivated I was told I had to present at a branch to have the account deactivated. Clearly that is not possible because I live in XXXX. 
After many attempts I was given a fax number that I could send a fax to to have it deactivated. I have done this and the account is reactivated. I logged into my account to find that my account has been debited a monthly fee of {$12.00} per month despite my card being expired since XX/XX/XXXX and I have not have access to the account via Internet banking for so long. The bank locked me out of my account and I was unable to receive any service yet I was still charged monthly service fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
This is not my account. Please delete this negative account off my credit report asap. I've never got anything in the mail or anything verifying this is XXXX percent my debt. according to the FCRA you must delete this debt asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I XXXX XXXX am an authorized user to my mother 's credit card account with this credit card company, and/or national association bank XXXX I desire to be removed as an authorized user as I have established my own credit tradelines. I appreciate being an authorized user as it helped me establish credit. However, I have my own credit now and I desire to have only credit tradelines that I obtained on my own. 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 2021-09-10 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I recently requested all of the documents for the account Ford motor credit Acct # XXXX, after finding out i had a judgement that i had no idea about. I also never recieved the proper documents after the repossession of the vehicle. ( Notice of plan to sell, statement of sale ) After closely reviewing the documents they provided and comparing to my credit report i noticed several innaccuracies, the statement of sale, the notice of deficiency, and notice of plan to sell thats supposed to give me the opportunity to buy back the car ALL had the wrong address ( everything was correct except the zip code was innacurate ) which is why i never recieved them, Also several of the payments reported are inaccurate which is causing reaging to this account. I also was never notified that i needed to be in court im guessing because the address is incorrect. I have checked with all credit reporting agencies and they have the correct address linked to this account so im not sure if it was an error or done purposfully. Either way this is a violation and shouldnt be on my report since i was not sent the proper notices after repossession happened. I want this account removed immediately. I am also waiting on all my documents for the judgement so see the accuracie of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: LA

Complaint narrative:
I initially sent a series of letters to the credit reporting agencies over the last few months. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format procedures to report. 
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

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 2021-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC
State: FL

Complaint narrative:
To whom it may concern : I have an FHA loan that was created XX/XX/2012 with XXXX XXXX XXXX. Few years later, it was bought by another mortgage company, XXXX XXXX, XXXX. It was then when I lost my job and worked with them on a loan modification. This brought my principal down, interest rate up, but allowed me to make lower payments, which I wanted at that time. Few years later, my loan was bought off again ( XXXX/XXXX XXXX XXXX  ) and only the lower amount was carried over and it had been the case ever since though today. 

I am now in the process of selling my home and purchasing a new one. Upon reviewing numbers from the Title Company, I see that there is a second Mortgage in the amount of $ XXXX. I tried reaching out to NOVAD CONSULTING via email many times the past month, but I keep getting automated/generated emails asking me to fill out a form and return it signed in PDF ... which I have already done. I also tried calling their 800 number, but hold times are over an hour and the few times I leave my phone on speaker while working, it always gets cut off. 

I am trying to get a hold of someone that can help me answer questions on my second mortgage, which I am only assuming came from from loan modification years ago. Having this balance show up during my home selling process is really inhabiting me from going through with the sale as it is a lot of money to not have any knowledge of during all these years. Had I known about this, I would have asked to make payments towards this balance past several years now that I am stable employment-wise. I understand that is my fault for not keeping that info in a safe place 8 years ago from the loan modification, however, this is the reason why I am trying to get a hold of someone that can help me and I can't seem to be able to do so. 

I just need some help and it's putting me in a serious situation. 

Thank you

Company response to consumer: Closed with explanation