vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: WA

Complaint narrative:
I recently noticed a bankruptcy on my credit history from 2015 that I did not file. Before contacting the personal information company ( LexisNexis ), I called the Court Clerk in question. She informed me that the bankruptcy was filed without an attorney and no record of who actually filed it. There was never a XXXX hearing, which is where the Court verifies the identity of the filer to make agreements with the creditors. The bankruptcy was dismissed without ever verifying the identity of the filer and any action taken within 2 months. 

Since I did not file this bankruptcy, I took my dispute to LexisNexis providing this information. I submitted the dispute request via LexisNexis 's electronic system at XXXX XXXX on XX/XX/XXXX, verified by their response email. As the 30 day deadline approached without any word from LexisNexis, I sent several follow-up messages to learn the status and continue to inform them that since the FCRA required a 30 day resolution, the deadline was coming up. They acknowledged, in writing again, receiving my request on XX/XX/XXXX, which started the timeline. Finally, on XX/XX/XXXX, a full 38 days after the submission, they claimed to mail the resolution report on XX/XX/XXXX, which is still after the deadline. When the resolution report arrived, it wasn't postmarked until XX/XX/XXXX - 39 days after the dispute was initiated. 

I spoke with a phone representative who told me that they kept the bankruptcy on my file despite never actually reaching out to the Court to verify and exceeding the 30 day mandated FCRA guidelines. I have reached out several times since the deadline has been exceeded and asked for action to taken and have heard nothing in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hi I've requested an accurate dispute to be investigated regarding several accounts I'm unaware of on my reports. I haven't been able to get this resolved and information or proof hasn't been sent to me from the said creditors showing the validation of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: TN

Complaint narrative:
Hi I've requested an accurate dispute to be investigated regarding several accounts I'm unaware of on my reports. I haven't been able to get this resolved and information or proof hasn't been sent to me from the said creditors showing the validation of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover has been removed from my XXXX credit report. I have contacted XXXX, XXXX, and Discover. They keep telling me that they have verified it. How? How are they verifying it when XXXX removed it off my credit?

Discover keeps sending me a paper to have them verify the account for them which I am not going to do because it is not my job to do it and they should have the information if they are trying to verify. It is not my account.

XXXX removed it and it is not accurate. This is the last final warning. If I do not get this removed off my credit report by the end of the year, I will file suit. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period multiple times. Since you are still reporting this account on my credit report, you are now in violation of the FCPA and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I found that my Victoria 's Secret card was frozen in the beginning of XX/XX/XXXX, so I called Comenity bank number on the back of the card to see what the problem was, since I could not view my balance or points on their website. When I spoke with them they asked if I filed for bankruptcy or if I am consolidating my debt and the answer to that is no not with Victoria 's Secret. A few days ago XX/XX/XXXX I tried to use my card at XXXX XXXX XXXX XXXX  it was declined. Then today XX/XX/XXXX I tried to make a payment for it is due today, I was not able to log in to the website. So I called customer service ( XXXX [ she could not help me ] ) then she transferred me to a female specialist ( foreign, could not understand when she stated her name nor could she help me ) for comenity bank. I tried to make a payment, fix my card, I even tried to close my account, they couldn't help me with any of my requests. So I called my identity theft law firm and they sent me to you. I don't know why they did this to me I always make my payments on time, use my card faithfully there is no reason for the treatment that I am receiving from Victoria Secrets Comenity bank. 

Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX   XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Hello I just noticed that Capital One has marked an account that I was an authorized user on as closed. 

I need this fixed / late payments removed immediately, Unfortunately this is from a relationship that is no longer together ; however I wasn't aware of this accounts status as I have been out of the country. Please let me know what to do about these accounts below. 

OVERVIEW Credit limit {$500.00} Minimum monthly payment {$28.00} Opened XX/XX/XXXX ( 1 yrs,  10 mos ) PAYMENT HISTORY You've made 86 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX green_status green_status green_status green_status green_status green_status red_status red_status red_status XX/XX/XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status Current red_status Not current Last payment XX/XX/XXXX Payment status 90-119 Days Late Amount past due {$190.00} Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Canceled by credit grantor Times 30/60/90 days late 1/1/1 Closed XX/XX/XXXX The other account is OVERVIEW Credit limit {$500.00} Minimum monthly payment {$37.00} Opened XX/XX/XXXX ( 1 yrs, 3 mos ) PAYMENT HISTORY You've made 71 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX green_status green_status green_status green_status green_status red_status red_status red_status red_status XXXX green_status green_status green_status green_status green_status green_status Current red_status Not current Last payment XX/XX/XXXX Payment status 120-149 Days Late Amount past due {$260.00} Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Canceled by credit grantor Times 30/60/90 days late 1/1/2 Closed XX/XX/XXXX My account that is still open and active is the account that I have continued to keep open / current etc w no problems so I would really appreciate some help with this. 

I need the late payments removed // fixed on my report and the issue fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, EQUIFAX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian does not allow customers to unfreeze without either A ) sending social security documents ( social security card, driver 's license and utility bills ) through the mail addressed to " Experian Credit Freeze. '' or B ) paying {$24.00} per month so that customers can lock and unlock credit at will. 

This is explained in an " educational '' article about the difference between a credit freeze and a credit lock. Within the article, scare tactics are used to influence the customer to buy " Creditworks '' by citing fraud and the darkweb. https : //www.experian.com/blogs/ask-experian/whats-the-difference-between-credit-freeze-and-a-credit-lock/ XXXX and XXXX allowed me to easily unfreeze my accounts free of charge. Experian gives the illusion that credit can be unfrozen easily by retrieving a PIN. This does not work and ends with a page about how to send in a letter with copies of ALL important documents. The outside of this envelope must say " Experian Credit Freeze. '' This seems to be a huge flag to anybody attempting to steal somebody's identity because the mail parcel is sure to have personal information in it. 

It is not fair that I have to choose between paying money or taking on a fair amount of risk to unfreeze my account. Not only that, but we are trying refinancing our home while the rates are so low. This is going to take a lot of time to have resolved by sending in my information by mail to the company. This will impact the rates that we can get on the refinance. 

There is no customer service to help me remedy the situation. The numbers given on the website use computer-generated options menus and do not have any options to speak to a person.

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 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
When I originally opened my XXXX credit card with XXXX XXXX, it carried no annual fee. When XXXX switched to Barclay 's MasterCard, it switched over to a card with a {$40.00} annual fee. Last year, I called because I did not want to pay an annual fee. I asked to downgrade my card to the Barclay 's XXXX card that had no annual fee. 

The representative told me that instead of downgrading my card, they could instead waive the annual fee, as my card offered me more perks than the no-annual fee card. I was also told that if the following year, I was not happy with the additional perks, that I could then downgrade my card. 

Now, I just saw that it was time for them to charge me an annual fee. I called up and asked to have my card downgraded to the no-annual fee card, as I was told I could do, if I wasn't satisfied with the additional perks offered for my level of credit card. However, unlike the assurances I was provided last year, now I am being told that there were no " offers '' available to downgrade my card. If I wanted the no-annual fee card, I would need to close my current account and apply for this new card. So now, my options are either to pay their {$40.00} annual fee or close my account/open a new account, which would have a negative impact on my credit score. 

I was lied to and believe this is a classic bait-and-switch tactic by the credit card company.

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 2019-11-01 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: HI

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted.

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 2019-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
My mortgage contacted me in XX/XX/XXXX to discuss refinancing the loan, I was surprised by the call due to fact I only had the mortgage loan for 6 months. I refinanced the loan wth the 1st being due XX/XX/XXXX @ $ XXXX. I continued to make this payments timely. In XX/XX/XXXX. I received a Escrow statement dated XX/XX/XXXX, that my new payment would be {$1800.00}. I reached out to my mortgage company Escrow line and spoke with several representatives that offered no real help or solution. As a last resort I looked at on the companies website, sent an email requesting help since I am a 1st home owner. I received a call from XXXX XXXX from the corporate office, who became my contact person. I was asking the company to reimburse me for the additional money I paid and still paying towards the Escrow shortage. After speaking with XXXX for 2 months, I was advised on XX/XX/XXXX by XXXX that the company denied any wrong doing and denied to reimburse for any funds, due to the following reason. My loan was originally with XXXX XXXX and was transferred to AmeriHome Mortgage when this was done, AmeriHome sent a check for approx $ 3k, then when I refinanced in XX/XX/XXXX, I received additional funds for approximately {$1000.00}. the company states I should have sent these funds back to them and this would have taken care of the shortage, no where on the check did it state I was to send the check ( s ) back to them, plus the funds received were used to make my monthly mortgage payments due to the fact, when Amerihome Mortgage contacted to refinance, I was unemployed therefore, I did send the funds back, but it was in monthly installments. All I want at this time is for the payment to go back to $ XXXX and be reimbursed for the additional funds I have been paying since XX/XX/XXXX to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: AL

Complaint narrative:
I am trying to get this matter resolved in a cordial manner and have done what was asked of my by submitting dispute letters and a power of attorney and still there has been an unsatisfactory solution to my dispute. Recently a balance was changed on a XXXX account that I do not currently have and have never had. This fraudulently action is unacceptable and should be rectified immediately.

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 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
SN SERVICING FALSELY RETURNED THIS COMPLAINT TO CFPB AS " DUPLICATE '', AS ADVISED BY CFPB, RESUBMITTING WITH HEADER, FOR RECORD, NOTING THAT SN SERVICING FALSELY RESPONDED AS " DUPLICATE '' WHEN OPERATING FACTS ARE DIFFERENT. 


There is a trust XXXX XXXX XXXX XXXX in Arizona that filed a foreclosure Judgement sale on our home, claiming they own our mortgage debt. 

We were advised by the prior owner of this debt, XXXX XXXX XXXX, that they sold the debt to another trust in XX/XX/2018. 

In any case, we were never notified of assignment, sale, transfer of this debt. 

Then the prior owner, XXXX XXXX, XXXX in XX/XX/2018, filed a foreclosure judgement sale - despite the fact that XXXX XXXX XXXX XXXX says they owned the debt in XX/XX/2018, but the court action was filed in XX/XX/2018 by XXXX XXXX? 

In addition, we were in the midst of a loan modification applicantIon with the prior owners of the loan, XXXX XXXX, who chose us for their RMBS agreement, and they filed foreclosure in the midst of our application, and changed the terms of the amount within two weeks of the offer. 

Also, the current " owner '' XXXX XXXX XXXX XXXX used false figures in their judgement foreclosure sale, adding on past debt already forgiven in writing by original owner XXXX. 

XXXX XXXX XXXX XXXX is attempting to sell our home based on false figures, and will not proved a qualified written request of figures, and denied our most recent modifcation application, based on their false assertion that we did not supply documents, which they never requested. 

We currently have a FOIA request to find out if XXXX XXXX XXXX XXXX actually owns the debt, and how and when they procured it, as their date of acquisition differs enormously from that of XXXX XXXX ' letter. In addition, we never received written notice of transfer of debt, and, as noted, XXXX XXXX filed foreclosure of Judgement and Sale, a year after they say they sold the debt? and now XXXX XXXX XXXX XXXX, who was not named as the party XXXX sold our debt to, is enforcing the foreclosure sale judgment?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: NV

Complaint narrative:
Account was opened XX/XX/2012 account to all 3 Credit Bureaus in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back as requested to avoid all of this bs. Debt is not even valid ; and I formally request that this is removed and closed from my credit report. Kay has also failed to remove this per the attached notification. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.

Tried previously to get this taken care of // Need to get this removed after all this time. 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 2019-11-01 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: FL

Complaint narrative:
I reviewed my credit report again recently and noticed I have some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea how someone would have access to my credit report. Now because of this incident, I can not acquire new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2019, I applied to PENFED Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX, for a credit card. 

PENFED Credit Union, since my application dated XX/XX/2019, I have not received either the credit card or the reason for denial as required by The Fair Credit Reporting Act. 

The Act requires creditors to notify you in writing if an application for credit is denied. This notification must be mailed within 30 days of the decision. 

A notification must include the reasons the creditor decided to reject your application -- including insufficient credit history or a high balance on revolving credit accounts. 

They are in violation of the The Fair Credit Reporting Act and subject to a civil lawsuit for their violation as I have not received a notification as required under The Fair Credit Reporting Act.

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