vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: LEXISNEXIS
State: TN

Complaint narrative:
I recently filed a complaint against XXXX  regarding a public record on my credit report. After disputing the bankruptcy the results confirmed it was verified by LexisNexis Risk solution. I provided a letter from LexisNexis stating that the public record was deleted for several inaccuracies do not exist. I was then told they verified it with the courts. I mailed in a letter from the bankruptcy court stating they do not report any information or records to the credit bureaus. I called XXXX  and a representative explained that they call the US bankruptcy court ( an automative system ) to verify. Which violates section 609 because the system can generate false information. I understand that information has to be verified from the original furnisher. I was told by a LexisNexis Rep that the credit Bureau can call them and they will confirm anything in my file to resolve the issue. After spending countless hours on the phone with XXXX  I asked if they could call and confirm with LexisNexis with me on the phone. I was told no and hung up on. It seems as if XXXX  is working against me instead of helping me. The representatives are very rude, impatient, and constantly telling me to file a dispute online. I would like all supporting documents that was used to complete my investigation such as name of people that verified the information, dates, and times. I have asked for this information during my previous disputes and was not provided the information. My question is how is a Bankruptcy that do exist in my LexisNexis profile ( your listed vendor ) being verified. Please delete this negative and inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX 2021, Patenaude Felix A.P.C., sent me a letter of {$390.00} with a offer to settle with my debt paid in full, a response needed by the end of XXXX. On XX/XX/XXXX of 2021, I messaged the client through their website to pay the amount as soon as possible, leaving my contact information. After getting response, I emailed the attorney ( on XX/XX/XXXX ) there who I discussed the case with, her name is XXXX XXXX. I again received no response. After that, I messaged them again on their website and said that if I receive no response in 5 business days, the debt is considered settled in full. I again received no response. Today on XX/XX/XXXX21 I called and did get a response, but they said the offer was no longer available and knowledgeable that they had in fact received my messages. The person I spoke with said their client was behind the offer, he then told me the offer on the table is XXXX XXXX, which is much more than the offer I was offered, accepted, and responded to in the correct window.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
I was approved for a partial claim loan modification combo on XXXX and was told my first mortgage payment due date would be XXXX. Over the last 9 weeks I have been told over and over that the documents are still being prepared, no updates on when they will be completed and mailed. Today is XXXX and BSI is communicating that they are backed up due to so many people needing help and my first mortgage payment date was delayed from XXXX to XXXX since I do not have my written contract. I do not have anything in writing to support what they have been communicated over these last 9 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
JP Morgan Chase Bank has been making payments to XXXX XXXX for several years, but the business owner called me to report the payment which Chase claims was sent on XX/XX/21 was never received. On the third call to Chase Customer Claims, I determined that Chase switched from paper checks to an electronic deposit for this payment. The business owner checked her accounts and says no such payment was made, and in any case she does not accept this method of payment, so I had to write a check for {$160.00} to cover this payment. Chase Customer Claims notified me on XX/XX/21 that they consider this payment as having been made and the case settled. I subsequently took this matter up with the manager of the Chase branch where I have this account in XXXX, WA, ( whose name is XXXX ) and she assured me she would follow up and resolve this matter, promising to call me back by XX/XX/21 but this still hasn't occurred. 
I'd appreciate the CFPB 's assistance in resolving this, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
ON XX/XX/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Fraudulent charge for {$950.00} dated XX/XX/2021 appeared on my statement. I disputed charge immediately. Barclays cancelled my card and initiated investigation. On XX/XX/2021 I received a letter stating that Barclays had judged the charge to be legitimate, providing absolutely no documentation. Two calls to bank resulted in my being told that I have to pay charge. 

They said that they had contacted the merchant and the charge was legitimate per the merchant. The bank had no proof of authorization by me and did not even know the merchant 's location. 

The charge was for 12 hours of fly fishing lessons. I never made this purchase and have never even fly fished!

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
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: CO

Complaint narrative:
On XX/XX/XXXX. XXXX someone used my personal information without my agreement on a website called KLARNA. The amount for this KLARNA debt was XXXX XXXX The address that was provided was my old address that I shared with my ex Husband until XXXX. He still lives there. The email address used was his email. I never received any bills or knew about this debt in my name until XX/XX/XXXX when I noticed a Derogatory mark on my XXXX XXXX account. I immediately contacted the collection company which was XXXX XXXX XXXX they explained to me that someone purchased something for XXXX $ XX/XX/XXXX with KLARNA and the debt is now owed with them since XX/XX/XXXX. I am currently in the process of filing a police report. I also tried to call KLARNA to get more information but they cant help me because its already in collection. I am also waiting on my credit report with the major credit bureaus to see if there is anything else that was opened in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX I have been trying to get my free Anual Credit Report online. They have been making it extremely difficult to get. I tried online, they then asked me to call. They hung up on me 3 times after I input all my information by phone. Then they said they would mail it to me. I needed it on my computer. Then I received an email from Experian saying that they could not process my request and that I need to send them a phone book worth of info in the mail before they can send me a report. BUT ... if I want to purchase a report immediately I can go to their website and sign up for a fee. This is very fraudulent! I have always received my Free Anual Credit report yearly, without a problem. I feel like they are making it very difficult so that I will have to pay for it. 

Thank You!

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 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I get repeated calls from GM Financial, but I dont have any accounts with them. I call back and they tell me they cant take me off the call list if I dont have an account. I cant understand the messages they leave because they speak in a low mumbling tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my Credit Card earlier this year and said they can not reopen that card- stating they will be happy for me to reapply for another credit card from them but CAN NOT reopen this closed credit card. ( This issue has been reported in the past thru this website without any resolution from BofA as requested ). ( complaint ID XXXX ). 
I decided to reopen another credit card as BofA recommended me in the past on XX/XX/21, which they denied right away stating in the letter " An Account with us and/or our affiliates has been revoked. '' I think Bank of America is tricking me by telling me to apply for another card when they close my last card. If BofA does not want me to have another credit card from them then they should say so rather than giving me a false recommendation at the time they close my old credit card.

This kind of business is unacceptable from a big corporate like BofA- recommending to apply for another credit card, then denied once applied. This kind of business should not be tolerated because this affects my credit score ( hard inquiry ).

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 2021-08-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
So on XX/XX/2021 i started the process of getting my home refinanced. Today is XX/XX/2021 and i have not been told if im approved if i will close. every month they just keep asking for more paperwork which i have given them. and each week i get a call since XXXX that it is in process and we are working to get it expedited. and now they are asking to rerun my credit i have to keep extending my rate lock and i keep watching my credit drop over and over again the more stuff they ask for. this is a joke that has taken over 5 months and it is still not complete. they will not allow me to talk to any supervisors. they just said they are working on it. i am over this process and need help to get this resolved.

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 2021-08-31 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: NY

Complaint narrative:
This is my 10th attempt since XXXX contacting the credit bureaus since I first discovered I was a victim of identity theft this has been the most horrible experience of my life. They have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department in 2019, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my daughter and I.

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 2021-08-31 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: NY

Complaint narrative:
This is my 10th attempt since XXXX  contacting the credit bureaus since I first discovered I was a victim of identity theft this has been the most horrible experience of my life. They have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department in XXXX, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my daughter and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
They call my work number at least 10 times a day. They come to my house and leave rude messages

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MS

Complaint narrative:
Received Trial modification documents from Selene Finance the modified payment is {$2500.00} monthly 1st payment XX/XX/2021. This modification was not based on my income then I received a few days later mail stating my 1st payment would start XX/XX/2021 I'm confused does the mortgage company know what they are doing??. Selene has set a property foreclosure sale for my home XXXX 2021. Selene is refusing to assist me with keeping my home I have spoken with customer service several times they tell me when I call in they don't see my request for assistance or they don't see my account. Received letter stating a credit decision was made to not reduce my mortgage payment because of information received from my XXXX  credit report. 
Mortgage assistance is not suppose to be based on credit I've read. I have been in bankruptcy because of being affected by Covid19 and my husband left me over 2 years ago. I don't want want to lose my home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TX

Complaint narrative:
Please remove inquieries XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX - Card Service Inquiry from XX/XX/XXXX + XXXX Credit Card XXXX. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies

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 2021-08-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: WA

Complaint narrative:
Inquiries not mine, and they belong to someone else. Possible fraud. Disputed with Equifax and they refuse to investigage and remove inquiries. 

XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Mortgage XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I hope you are now working on clearing up those inaccuracies on my report. I sent you a letter regarding the negative items on my report on XX/XX/2021, but I am not getting a response from you. I am trying to fix things so I can purchase new house but you're negligence in reporting are affecting me a lot. i will be waiting for your response.

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 2021-08-31 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: EQUIFAX, INC.
State: OH

Complaint narrative:
ON XX/XX/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: IA

Complaint narrative:
The company Spring oaks capital llc have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with Spring oaks capital llc and have no knowledge of an account with them and dont owe them anything.

Company response to consumer: Closed with non-monetary relief