vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WI

Complaint narrative:
I have recently sent in two certified letters to Lexis Nexis asking them verify how they got information on a bankruptcy that they are reporting to other bureaus they have yet to respond to either of my letter and according to fair act that is a violation and they have to delete the inaccurate information they are reporting if they can not provide a method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I recently was a victim of having my cell phone number " stolen '' -- someone took my number and then was able to hack into my bank accounts, credit card etc by having verification codes sent to my cell phone number. I am currently trying to close my American Express account because they have used that card to make fraudulent charges but have been unable to do so. American Express is requesting that I send over a copy of my license and a video of my face so that they are able to close my account. I am refusing to do so because now I am worried that I may be hacked again. I was advised that these incidents sometimes are " inside '' jobs so I do not want to send any more personal information. Therefore, I was unable to close my account and I am worried that it will keep getting hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BWW Law Group, LLC
State: DC

Complaint narrative:
on XX/XX/XXXX I obtained line of credit from XXXX XXXX XXXX , XXXX, with amount of {$250000.00} with account number # XXXX. on XX/XX/XXXX XXXX XXXX XXXX breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia . 
on XX/XX/XXXX I filed chapter XXXX bankruptcy, and case converted to chapter XXXX unlawfully, and since trustee transfer all of my money from DIP account ( {$91000.00} ) to his account I was not able to pay XXXX XXXX XXXX LINE OF CREDIT since XX/XX/XXXX. 
and XXXX XXXX XXXX, XXXX close that account on XX/XX/XXXX. first third party debt collector BWW LAW GROUP LLC tried to collect # XXXX when they could not and find it was forclosure, then third party debt collector BWW LAW GROUP LLC try to collect same line of credit with different account number # XXXX ( amount of {$160000.00} XXXX XXXX XXXX, XXXX closed it on XX/XX/XXXX ) and under name of XXXX XXXX XXXX XXXX for amount of {$250000.00}. 
and after forclosure XXXX XXXX XXXX XXXX transfer account # XXXX to XXXX  XXXX XXXX, XXXX since both account is under one line of credit agreement and both closed and breached and passed statue of limitation. by forclosure and transferring it to debt collector XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX caused a lot of harm and damaged financially and mentally to I, and my family, I disputed BWW LAW GROUP LLC ( XXXX  XXXX, and XXXX XXXX ) complaint several time at least 11 times and they ignored me. third party debt collectors finally without any court hearing all hearsay and with different case laws that are not related to the case without any facts or evidence with deceptive action, got judgment against I, and my husband ( he is not party in alleged debt ), to foreclose my home stead property with a line of credit that was breached and passed statue of limitation. alleged case : XXXX at SUPERIOR COURT OF THE DISTRICT OF COLUMBIA, XXXX XXXX XXXX, XXXX XXXX XXXX esq XXXX XXXX esq BWW LAW GROUP , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX V XXXX XXXX XXXX, XXXX PLAINTIFF ( S )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX VA XXXX This above company calls me day and night about a bill they claim I owe. This is their suppose to be account that they claim they have on me. # XXXX Reference number : XXXX I emailed and told them they have the wrong person. 
The Person name they sent in the letter is : XXXX XXXX XXXX at my address. 
Never heard of the person, don't know who she is. 
They states it's a Capital One bank N.A. debt. 
They states on the letter that it has a XXXX  balance, yet they still keep calling me and not the person on the letter. I emailed them letting them know they have the wrong person. Yet they still call morning and evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to state that XXXX XXXX is verifying the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.

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 2019-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of York, Inc.
State: NC

Complaint narrative:
contacted creditor and paid off {$54.00} that was owed in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
synchrony bank issued a pep boys account # ( XXXX ) AND XXXX, XXXX, AND XXXX ACCOUNT # XXXX, THESE 3 ACCOUNT HAVE THE SAME ACCOUNT NUMBER, PEP BOYS HAS A SINGLE ACCOUNT AS STATED ABOVE OPENED over a year ago, i never used the account. 
in XX/XX/2019 this year they closed my account due to non activity. they never sent a letter or message that unless i use the card they would close it. this i have never experienced with any creditor. i need my account reopened because i now need to purchase at pep boys 4 tires. the closure of this account has caused my credit score to drop 40 points causing damage to my credit file, they have done deceptive business practices by making me use the card and getting into debt, when im not needing to use the credit card. 

if they wouldve sent me a warning letter to close the account for none activity, i wouldve used it to avoid a closure of the 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 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to state that XXXX XXXX is verifying the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.

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 2019-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Received bill for tolls by mail. The bill showed me as a class 1 vehicle in one direction and a class 4 vehicle in the other. I was in a class 1 vehicle in both directions. Same vehicle, same license plate as shown on the bill. I notified XXXX XXXX and XXXX authority by mail and included payment of the corrected toll by postal money order. They ignored my notification and continued to bill me the additional money adding on fines as they went. They gave the account to Transworld Systems in XXXX OH. I sent them all my paperwork along with a letter outlining the problem. They have ignored my proof of payment and continue to bill me for the extra toll and fines. 
I think XXXX XXXX is acting in a capricious and arbitrary manner, ignoring my proof of payment. I tried to file a complaint with the XXXX  but was turned down, as it is outside of their ability to address a concern with a state government agency. I am attaching my correspondence that is dated and speaks for itself. 
Thank you in advance for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Good Morning, Today Experian emailed me stating that there was a change on my credit, knowing that I have not touched any part of any credit anything I was extremely alarmed so I called the number Experian provided, the number they told me to call and the number just routes me to an automated service that sends me back to the website, after hours of trying to reach a live person to no avail I have emailed them up to 50 times with no response ... 

I have been VERY diligent about my score because I have been trying to buy a home so as you can see I would be VERY VERY on edge if something were to affect my credit. 

experian reached out with a number that will not allow me to do anything but go online THIS IS UNBELIEVABLE THIS IS HARRASSMENT THIS IS INSANE WHY DID THEY EMAIL ME A PHONE NUMBER THAT TELLS ME TO GO ONLINE AND WHEN I GO ONLINE THEY TELL ME TO CALL!!!!!!!!!!!!! 


I WANT ANSWERS - I WANT AN OFFICIAL COMPLAINT AND OFFICIAL ACCOUNTABLILTY EXPERIAN HAS TOTAL ABSOLUTE CONTROL OVER MY PERSONAL FINANCIAL WELL BEING AND THEY ARE ABSOLUTELY UNPROFESSIONAL, NOT AVAILABLE AND WREAKING HAVOC ON MY PERSONAL WELL BEING THIS WEEKEND BECAUSE WHO COULD RELAX OR HAVE ANY PEACE WHEN THEY SOLICIT YOU TO CALL THEM BECAUSE OF NEW ACTIVITY THAT IS DEROGATORY AND WHEN YOU CALL THEY TELL YOU TO GO ONLINE AND WHEN YOU GO ONLINE THEY TELL YOU TO CALL THEM???????!!!!!!!!!!!!!! 

WHAT THE XXXX XXXX?????? 
THIS IS PSYCHOLOGICAL WARFARE THIS IS CRAZY

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 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: WI

Complaint narrative:
I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to REPORT INACCUARATE INFORMATION and refuse to verify the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to REPORT INACCUARATE INFORMATION and refuse to verify the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.

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 2019-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I had a washer through conns and purchased a dryer XX/XX/19, the dryer contract paid the remaining balance on the washer and combined to one account. I have since received 10 or more calls a day from various numbers trying to collect on a balance that should be paid off. When I ask for a supervisor I'm told it takes time to combine the accounts and they will put off the calls but the next day the calls resume. My contract clearly states the previous account is paid off. I've already made my first payment on the new account yet the old one shows 2 months due and the calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Debt from XXXX XXXX was added to my credit report as a collection account. The account is showing that I owe a balance of {$1000.00} from Sequium asset solutions llc. I have not had or have any affiliation with this collection company and this balance is incorrect. I dont owe {$1000.00} to either part and all equipment has been returned to XXXX XXXX. The equipment was returned at XXXX store # XXXX XXXX oh XXXX on XX/XX/2019 return reference # XXXX. The serial numbers of the equipment returned is XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
Original creditor was XXXX XXXX  for a XXXX  XXXX  taken on XX/XX/18. The requisition letter specifically indicates XXXX was to charge the provider directly, XXXX XXXX XXXX. Instead of billing XXXX as they should have, they attempted to bill my insurance, which was likely an old insurance carrier they had in their system. According to XXXX, XXXX kept making billing mistakes and so they stopped sending paper bills to XXXX clients altogether around this time. Either way, this was reported in XX/XX/XXXX of this year. When I found out, I notified XXXX, XXXX, and the collection agency that it was in error. The error was confirmed by both XXXX and XXXX - this bill was not owed by me ever. The account is marked as closed but it should be completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Porfolio Servicing, Inc. currently services the mortgage loan on my residence referenced above. My Select Porfolio Servicing loan number is # XXXX. My original deed of trust was through XXXX XXXX XXXX XXXX for {$100000.00} and was settled on XX/XX/XXXX ( # XXXX ) ( see attached loan document copies ). Since my original loan, two fraudulent second deeds of trust have been made against my property that I neither agreed to nor signed for nor received any money from. The purpose of this letter is to demand proof from your company that I owe money for both second deeds of trust described in this letter. 

On XX/XX/XXXX an Open End Deed of Trust was recorded in XXXX County for loan ( # XXXX ) on the above-referenced property ( see attached loan document copies ). The loan, which was made by XXXX XXXX of XXXX XXXX California, I neither agreed to nor signed for nor received any money from. The attached document contains multiple forged signatures of my name. Also included is a fraudulent signed Notary Public document signed by XXXX XXXX XXXX ( # XXXX ). I have never received any of the {$55000.00} loan amount. 

On XX/XX/XXXX an Open End Deed of Trust was recorded in XXXX County for loan ( # XXXX ) on the above-referenced property ( see attached loan document copies ). The loan, which was also made by XXXX XXXX of XXXX XXXX California, I neither agreed to nor signed for nor received any money from. The attached document contains multiple forged signatures of my name. Also included is a fraudulent signed Notary Public document signed by XXXX XXXX ( # XXXX ). I have never received any of the {$130000.00} loan amount. 

I have also filed a police report with the XXXX XXXX Police on XX/XX/XXXX ( Incident # XXXX ) ( see attached police report document copies ). 
Unless you can prove that I received these second deeds of trust loan amounts,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank has been reporting incorrectly to the credit bureaus. I opened my Chase Card on XX/XX/XXXX, received my card on XX/XX/XXXX. On XX/XX/XXXX I pre-emtively notified a chase representative regarding a large purchase I planned on making that after noon. My account was notated, and the representative cleared my account to make the purchase. 
While attempting the make the purchase my card was declined. Highly embarrassed and frustrated considering the fact, I was assured my account was cleared for large purchase, and secondly this happens while with a business partner. - I cancel my credit card. 

I call chase to file a complaint, I was reassured I would no longer experience such problems. I decided to reopen my chase card. I make the purchase aforementioned. *This is where my problems start* The end of XX/XX/XXXX Im notified that Chase reports a high utilization to credit bureaus- subsequently dropping my credit score 60 points. I call chase again for further clarification, was told my statement date ended on XX/XX/XXXX. Which leaves me even more confused. ( How can a statement account close, in less than 30 days of it opening? ) Nor was I ever informed statement close date -until it was reported to credit bureaus. 

*My wife and brother-in-law both have chase cards 9 total and both having closing date at least 30 days of the original opening date furthermore my brother-in-law opened the same type of card the same day as me but his closing date was 30 day while mine was 2 weeks from opening. 

The representative stated my closing date going forward is the XXXX of every month. 
Second Issue : My account closes with a negative balance of ( {$0.00} ) on XX/XX/XXXX. I receive an alert from the credit reporting agency, On XX/XX/XXXX chase reports another High utilization balance of {$2900.00} resulting in yet another 36 point drop in my credit score. ( See attached ). 

I take great pride in my credit & my finances, I use spreadsheets in order to keep me organized. Sadly, I have no issues with any other credit card company except Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone used Bank of Americas virtual teller function on their ATMs to fraudulent withdrawal {$1200.00} from my checking account on XX/XX/2019. I reported this to BoA on XX/XX/2019 and they opened an investigation. I was told that no PIN number or ATM card was used but only a photo ID. I additionally filed a police report and reported this to BoA. It should also be noted that my daily ATM withdrawal limit is set at {$710.00} per day, {$480.00} less than the amount that was successfully withdrawn. BoA gave me a temporary credit for the full amount to my account on XX/XX/2019. I subsequently received a letter from them on XX/XX/2019 stating they had determined that this was an authorized transaction and the credit I had received was removed from my account on XX/XX/2019. I spoke with a representative from BoA on XX/XX/2019 and was told that the determination was made because the person on the video matched the photo on the ID. They subsequently stated they would reopen the investigation as the notes did not indicate the fact that I had filed a police report despite me making a specific phone call to report this to them on XX/XX/2019. I have since sent BoA a certified letter with a copy of my drivers license requesting my money be refunded but have not received anything from them. I was told that since the investigation was closed and then reopened that there would be no definitive timeline for resolving this issue.

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 monetary relief