vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I signed up with Lexington Law on XX/XX/. I paid {$130.00} upfront for the premier services. I Stayed with Lexington law for 5 months and only had 3 negative items removed. I Kept calling making complaints, that pushed lexington law to only remove 3 negative items. I wasn't satisfied with the services so I've decided to cancel on XX/XX/XXXX. The representative told me that I have to pay a {$180.00} cancellation fee, I tell the representative that I wasn't even informed about a cancellation fee the day of sign up and it wasn't mentioned in the contract. After I tell the representative that I'm not able to make a payment that same day, The representative tells me that payment would be collected every Friday until the cancellation fee is paid. Since than, Lexington Law has been trying to collect {$180.00} weekly payment. I refused to pay THEN and still NOW. I didn't think it was fair that I paid a total of {$650.00} for credit repair services that I didn't receive no good results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC
State: AR

Complaint narrative:
A very long story short, two checks that were cashed, one two days before said date and one 32 days before said date. 

FROM THE INTERNET Is it illegal to cash a postdated check early? 
A person or a merchant can't cash a post-dated cheque before a certain date. 

Apparently, I have a case to stand on an I want them prosecuted to the full extent of the law. 

In the beginning, I was given unnecessary tests by my Medial Doctor. I contact XXXX XXXX XXXX, of XXXX XXXX XXXX and complained. XXXX XXXX was helpful and reduced my cost to {$76.00}. 

Being a XXXX XXXX on a limited budget/retirement, I sent the RMP collection agency two checks, enclosed because they threatened to violate my Credit Scores. ( Enclosed ) Both checks were cashed predated, a violation of the law. 

I request the following : 1. That this company do a nation wide drug test to prove that none of their employees are on illegal drugs. ( How can you not see, 2 checks, 2 different dates, same amounts? ) 2. That any employees on legal, mind altering drugs should not handle money.

3. That this company, RMP be fined the maximum amount for violation of the law.

4. Because of the hardship I have encountered, all {$76.00} should be returned back to me, with a statement, Paid in Full. Thank You, XXXX XXXX. 

I request an internal investigation into XXXX XXXX XXXX, XXXX XXXX, AR and RMP collection agency in XXXX, OH for illegal payment practices. 

Respectfully Submitted, A XXXX, out Enclosed : Bank Statement showing XX/XX/21, Checks XXXX & XXXX, {$38.00} both checks ; were cashed before due dates, XXXX and XXXX. A complete volition of the law. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
- Started refinancing my existing mortgage on XX/XX/2021 - Received a closing estimate and a notice to close on XX/XX/2021 - Lender is Bank of America - Actual closing happened on XX/XX/2021, without any explanation and with a dishonest and disrespectful behavior of loan agents and his supervisor throughout the process - Called the Bank of America to file a complaint several time and sent various emails regarding the extreme delay in the refinance application process by the Bank of America which caused me several financial losses ( including time opportunity cost and losing other options with low rate mortgage payment opportunities over the past 7 months - my estimate is at least {$20.00} ) and all these caused other challenges in our family and life planning throughout this year. A summary of what i kept mentioning to the Bank is as follows : 1. Time opportunity cost for 7 months as of XX/XX/2021. I had to continue paying my current mortgage at the rate of 3.5 % which I could save if there was not such a long delay in my refinance process with BoA 2. I have received several offers for a refinance payment rate as low as 2.0 % 3. I have received several emails, letters and calls from other lenders ( including XXXX XXXX, my current lender ) with guaranteed closing dates, lower closing fees, which I had to turn down because of my ongoing application with BoA. 

4. BoA has performed a hard check on my credit twice which has caused damage to my credit score thereby charging higher rates. This is true if I now want to go with other lenders as well. They are going to charge me higher rates. The need for the second round of the credit check was because of the extreme delay on the BoA side. 

5. BoA is going to charge me with another {$920.00} fee for the title as an additional cost which is not my responsibility at all and hasn't been discussed in the offer letter and throughout the process. 

Last but not least, the Bank never respond to my complaint with a prompt reply. And I have observed dishonesty throughout the process. 

I am writing this on XX/XX/2021 and the disbursement date is on XX/XX/2021. But I haven't heard back from them. 

After so many follow ups the loan officer sent me a complaint case number, XXXX, which is the number they use to track my complaint. I have tried to call BoA 's customer service and other numbers to track the complaint and find out about the status. But all I heard was that they can not place such a tracking number and no success at all.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute from a debt with XXXX XXXX XXXX with all 3 credit bureaus. The problem wasn't resolved my issues I have misleading information been reported to all credit bureaus. I spoke with XXXX at extension # XXXX on XX/XX/2021 approximately XXXX who advised me that XXXX XXXX not report anything once a loan is closed or payed off which leaves me to believe the credit bureaus are receiving inaccurate information from a third party which violates my rights. I'm also having the same problem with a chapter XXXX bankruptcy on my credit file. It states US bankruptcy court in XXXX is reporting this information which is incorrect and inaccurate. I spoke with agent at bankruptcy court who advised they do not report to any credit bureaus.So, my information is been sold by a third party which is misleading and inaccurate information. Please! Delete from all 3 credit files. Thanks

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 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
During a XXXX  call with two Bank of America reps in XX/XX/2021, I was told by one of the reps that my checking accounts were being charged an Analysis Fee that was not meant for my small business. It was for much larger companies that transacted {$2.00} XXXX monthly and had an ERP with BOA. The amount was over $ XXXX/mo every month for 15 years! I believe BOA may have stolen over {$200000.00}! When I asked about the account in the past, I was told by BOA that it was for treasury, or that it was on my statement and that's all they had to divulge! If I kept asking why I was being charged this analysis fee I would be disconnected, or BOA refered me to a rep who would not respond! 

For complaining LOUDLY, BOA deemed me a risk and my account was frozen and deleted on XX/XX/2021. But not before BOA charged even more fees and on my newest account which was never charged this analysis fee before! 

A BOA VP called me twice and told me that I was being punished! When I complained to a Bank Branch, this same VP called me again and said that I was vulgar! He claimed he had evidence that I signed up for this anaysis fee. When I asked to see it, he responded that he did not have it in front of him. I asked when he could send it to me. The VP claimed that next day. I have never heard back from this VP, and BOA did not respond to my Better Business Bureau complaint. I was told by one BOA rep that I the paperwork involved to set up an analysis fee was enormous, so I would have remembered! 

I have the names of everyone I spoke with and the dates. Please let me know what I need to do to receive restitution for BOA egregious acts.

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 2021-08-17 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: V and H Portfolio
State: TN

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX and started to return my payments after a while i realized what is happing that fifth third bank is not accepting my payments. so i got in contact with XXXX  XXXX  XXXX  and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX  XXXX  XXXX  that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX  XXXX  XXXX assured me he will take care of it and make sure XXXX  XXXX  XXXX  is reaching out to all 3  credit bureaus to remove the negative marks, till today XXXX  XXXX  XXXX  didn't reach out to the report companies to remove the lates.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX. and started to return my payments after a while i realized what is happing that XXXX XXXX XXXX is not accepting my payments. so i got in contact with XXXX XXXX XXXX and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX XXXX XXXX that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX XXXX XXXX assured me he will take care of it and make sure XXXX XXXX XXXX is reaching out to all 3 credit bureaus to remove the negative marks, till today XXXX XXXX XXXX  didn't reach out to the report companies to remove the lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX. and started to return my payments after a while i realized what is happing that XXXX XXXX XXXX is not accepting my payments. so i got in contact with XXXX XXXX XXXX and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX XXXX XXXX that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX XXXX XXXX assured me he will take care of it and make sure XXXX XXXX XXXX is reaching out to all 3 credit bureaus to remove the negative marks, till today XXXX XXXX XXXX didn't reach out to the report companies to remove the lates.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MO

Complaint narrative:
LexisNexis is in violation of the FCRA 15 U.S. Code 1681b ( a ) ( 2 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ). 

On XX/XX/XXXX LexisNexis received via certified mail ( TRACKING NUMBER # XXXX ) an Affidavit of Truth along with Exhibits of proof of multiple violations. LexisNexis has committed identity theft and fraud as I never gave LexisNexis permission to produce any consumer report. 

On XX/XX/2021 I received an email from XXXX, XXXX ( RIS-ATL ) XXXX. 
XXXX asked for my credit card information to authenticate me. I responded to XXXX asking her to state what law under the FCRA requires me to provide any of this information. 

XXXX sent this email saying they could not authenticate me but provided identifiable information within the email that could cause another form of identity theft. 

XXXX also failed to respond to the email that she sent directly to me. 

LexisNexis is now in default as they have failed to respond to the notarized Affidavit. 
LexisNexis has also failed to pay the attached invoice. There is now a late fee associated with the invoice. 

I wish to settle this amicably but will not hesitate to go public or move to the next step to obtain my remedy. 

LexisNexis was also given a direct phone number to contact me. 

As of XX/XX/2021 I have spoken with XXXX at the LexisNexis XXXX CST who advised that the case would be submitted stating I XXXX XXXX have been authenticated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Me account bloqued without reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17 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: IA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-08-17 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: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I have had my information stole, and I found out in XX/XX/2021 around the XXXX or so once it showed up on my credit report that a loan from western shamrock corporation was taking out in my name and information. I have tried Multiple time to reach out to the company to report the fraud and every time I get a voicemail, I have left voicemail with them to call me back and I never received a response. When I first seen the account on my credit it was for XXXX, when checked the report today XX/XX/2021 it is XXXX. I receive a bill from them as well. I report was filed once I found out my information was jeopardize with law enforcement, do suspect a couple of people were involved in this. This fraud account has also been submitted with identitythief.gov and a fraud alert has been put on credit.

Company response to consumer: Closed with non-monetary relief