vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IL

Complaint narrative:
After issuing a subpoena to XXXX for records relating to communications between LexisNexis and XXXX regarding the public records item US BKPT CT IL XXXX XXXX as held by LexisNexis, I received a document that proved, ( contrary to LexisNexis explicit communications to me, no less than four times. ) LexisNexis has continued to report this item willfully, again, after clearly communicating with me that LexisNexis was no longer reporting this item. PLEASE REVIEW ENCLOSURES Additionally, notice the inequitable response to me, XXXX XXXX as opposed my wife, XXXX XXXX. The case number is the same. I would love to know the why? behind this. 

On XX/XX/XXXX, I will file a lawsuit against LexisNexis for every month since XX/XX/XXXX they willfully reported this public record to XXXX after claiming to remove it from my record. LexisNexis has included in the enclosures, deceptive statements, that if they in fact practice, are in direct violation of FCRA regulations. 

As FCRA regulations make clear, XXXX can only get this information from a public records vendor. LexisNexis is the vendor of record for XXXX. LexisNexis has the duty to expedite ( 4 days per FCRA ) removal of this record factually from XXXX. 

In the interest of not wasting court time, LexisNexis may contact me by phone with a settlement offer plus court cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I have received 3 calls from IQ Data / XXXX XXXX XXXX company on XX/XX/2018 at XXXX XXXX, XXXX XXXX  and XXXX XXXX about my move-out bill from my the XXXXXXXX XXXX/XXXX XXXX. that I declined to pay and asked an adjustment from them. The agency representatives threatened me to move my file forward and to affect my credit score because of this inaccurate bill. I have already filed a complaint to the attorney general 's office about the adjustment of this bill and waiting for a response. However, I want to complain about this collection company because of their threatening and disrespectful call. Please see attached my emails to the property to fix this issue and my documentation that I left the house without any damage. I am not accepting the carpet replacement fee and asking for an adjustment of XX/XX/XXXX utility bill since I left the house on XX/XX/XXXX and only used the utilities for 9 days however been charged for the whole month. I made all my payments on the due dates until my move out and I am not accepting any debt that is declared to me after my move out without any documentation or proof. Although, I have my move out inspection shows that everything was okay at the apartment after my move out. The collection agency 's information is : XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
A finance officer named XXXX is repeatedly using my credit cards on file to pay on my car loan without my permission. The last time was XX/XX/2018. I've talked with XXXX and his manager Ms. XXXX and this unauthorized practice is still occurring. For the past year I've been making payments on my own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: GA

Complaint narrative:
I filed an identity theft report with the ftc as well as a police report. I took said reports and filed them with all three credit bureaus to have fraudulent accounts removed from my credit report. XXXX  has already removed the fraudulent information but Equifax has out right refused to do so stating that their policy is to violate the law and open an investigation instead of removing the information within four days as required. They are also stating that my information on the report doesnt match the identification I provided, which it is a perfect match. 

The accounts in question are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 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: PA

Complaint narrative:
I originally filed this complaint with your agency under complaint # XXXX. 
The issue is not with the XXXX Card that was opened in 2000. This is a new XXXX  card that is under my daughter 's name and I am an authorized user. I have been an authorized user for approximately 10 months and no information is being reported by Experian. I have spoken with XXXX and they said they have been reporting this information to Experian.

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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A.R.M. Solutions, Inc.
State: NM

Complaint narrative:
I received a phone call in from A.R.M. collections on or about XX/XX/2018, attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I had just installed a solar system with XXXX XXXX through XXXX and then financed through there finance company XXXX XXXX. 
I then told A.R.M. to send me the collection letter which I received yesterday, XX/XX/2018. I then proceeded to call XXXX XXXX, XXXX, and XXXX XXXX, to find out what exactly is going on with my account with all of them. They proceeded to inform me that there was no debt that was in arrears with all three companies ; XXXX XXXX, XXXX or XXXX XXXX. 
I'm assuming this must be fraudulent however A.R.M. was very persistent, I have called the New Mexico Attorney generals office and they could not find A.R.M. in there files as a valid company. So, if there is anything that you can do to help me or anyone else with this information, it would be greatly appreciated. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03 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: AZ

Complaint narrative:
On XX/XX/XXXX, I tried to temporarily lift a security freeze online at https : //www.experian.comXXXX 

When I entered my PIN, the website said it was incorrect, even though I have an e-mail from Experian showing me my PIN at the time I initiated the freeze in XX/XX/XXXX. 

The website then said I could get a PIN reminder by uploading documentation. So I did that, on XX/XX/XXXX, but I have not received any acknowledgement that my request is being worked on, and I have not received the PIN. The credit card company I am applying to says my credit file is still frozen as of XX/XX/XXXX. 

There is no way to speak to a person at Experian by telephone, and there is no e-mail address to contact them. I think a company that is making a profit from my information should have a responsibility to allow me to contact them in this situation, in a method that is quicker than postal mail. 

Thanks. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I sent {$700.00} USD to XXXX on XX/XX/XXXX. My vendor still hasnt received it. I have submitted 3 disputes and tried to go through social media. The keep giving random excuses and then closing my claim without resolving anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAB, INC.
State: TX

Complaint narrative:
My office was contacted by XXXX XXXX of Rab Inc. ( XXXX ) in regards to a debt that was not associated in any way with me or my company. Mr XXXX continued to harass my office with threats of liens on my property until somehow finding my personal cell number at which time Mr XXXX began to harass me through text and demand I pay a debt of one of what he claimed was my tenant in one of my buildings. 

Mr XXXX continued to threaten to lien my properties if I did not pay the debt of which I had no knowledge, association or involvement.

My attorney contacted Mr XXXX and told him to stop contacting me. I also emailed mr XXXX a cease and desist letter to cut off contact to which Mr XXXX replied " I am not a consumer debt collector sir! 
I hold no obligation to the FDCPA '' Although XXXX  shows Mr XXXX as a debt collector he refused to abide by the FDCPA and denied it in writing. In addition Mr XXXX continued to threaten my property with fraudulant liens and would not stop contact. 

XXXX and mr XXXX are acting as third party collectors for a debt. The debt is in no way associated with myself or my company. The original debtor has agreed that they do not know why RAB is attempting to fraudulently extort me by using liens on my properties as threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX I was contacted by XXXX XXXX XXXX in regard to a Citibank/Amex card that was settled back in XX/XX/XXXX. This is the second time in the last two months I have been contacted by a collection agency for this debt. I settled for less than I owed with the creditor/collection agency - XXXX XXXX XXXX on XX/XX/XXXX. The two calls I recently received are for the balance of what was due back then. I was told that they had mailed me correspondence and since I hadn't responded it was being referred to an attorney. I have never received any correspondence, just phone calls in regard to this. Both times I have spoken to someone, I have been told that they would update my record and if there was anything further required, I would be contacted. I went through an attorney for this debt settlement, as I had several debts that I settled. I can not go to her for help with this because she is no longer practicing.

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 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I received the below email from Ditech My name is XXXX XXXX and your file has been placed in my care so that you receive the World Class service you deserve. 

You ARE eligible for a streamline rate reduction There is no need to pay that high rate any longer. 

We're reaching out to our good paying customers, to let you know that we can rewrite your mortgage w/o the hassle or costs of a typical refinance. You ARE eligible and I'd love to share with you how it can impact you financially. It will only takes a few minutes of your time to go over your savings. This program expires on XX/XX/2018! 

Here are the details of this opportunity. 

WE CAN SHORTEN YOUR TERM AND / OR LOWER YOUR PAYMENT NO OUT OF POCKET COSTS NO APPRAISAL REQUIRED NO INCOME REQUIREMENTS NO HOME VALUE REQUIREMENTS NO CREDIT SCORE REQUIREMENTS RENTAL AND 2ND HOMES ARE ELIGIBLE PAST BANKRUPTCIES AND FORECLOSURES OVERLOOKED 10yr, 15yr,20yr,25yr and 30yr FIXED RATE LOANS AVAILABLE Feel free to email any questions or a good time to speak with you. 

I can be reached directly at XXXX Have a great day!! 

When I replied. Please send me more information. They pulled my credit report ( and my wife 's ) without authorization.

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 2018-07-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is allowing a discharged account to report open on my credit report when it should indeed be listed as a closed account. I have tried numerous of times to speak with XXXX and Equifax about this issue and they continue to inform me that this account is verified as accurate when it is indeed not accurate..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
This mortgage was paid, I sold the house XX/XX/2016 it was a joint account my father was on the account, he was sick and unfortunately he passed away XX/XX/16.  I called the bank to please remove the information from my credit report or to please to forgive me some late payments, and I did disputed with all 3 credit report and no change was made.

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 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC
State: FL

Complaint narrative:
I received the below email from XXXX My name is XXXX XXXX and your file has been placed in my care so that you receive the World Class service you deserve. 

You ARE eligible for a streamline rate reduction There is no need to pay that high rate any longer. 

We're reaching out to our good paying customers, to let you know that we can rewrite your mortgage w/o the hassle or costs of a typical refinance. You ARE eligible and I'd love to share with you how it can impact you financially. It will only takes a few minutes of your time to go over your savings. This program expires onXX/XX/2018! 

Here are the details of this opportunity. 

WE CAN SHORTEN YOUR TERM AND / OR LOWER YOUR PAYMENT NO OUT OF POCKET COSTS NO APPRAISAL REQUIRED NO INCOME REQUIREMENTS NO HOME VALUE REQUIREMENTS NO CREDIT SCORE REQUIREMENTS RENTAL AND 2ND HOMES ARE ELIGIBLE PAST BANKRUPTCIES AND FORECLOSURES OVERLOOKED 10yr, 15yr,20yr,25yr and 30yr FIXED RATE LOANS AVAILABLE Feel free to email any questions or a good time to speak with you. 

I can be reached directly at XXXX Have a great day!! 

When I replied. Please send me more information. They pulled my credit report ( and my wife 's ) without authorization.

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 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I received 2 feet of water in my home during Hurricane Harvey, our home was declared " substantially damaged '' and we have, therefore, decided to demolish our house and build a new, elevated home on our lot. 

I am attempting to use the $ XXXX in flood claim money, being held in a restricted escrow account by Freedom Mortgage, to pay off my mortgage and close on a construction loan. However, Freedom Mortgage is not providing me sufficient documentation to enable this process with my new mortgage company and title company. They will provide NO documentation that they agree to use the loan funds to payoff the mortgage, which is required by the title company. 

I have been working with them since XX/XX/XXXX without a resolution and need your assistance. 

I have kept a detailed log of all contacts with Freedom Mortgage and I have faxed a letter requesting assistance to the CEO of Freedom Mortgage. Those documents, along with my other requests to Freedom Mortgage, are attached to this complaint.

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 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hello my name is XXXX. I recently had a change of mortgage companies. My original loan was with XXXX ; XXXX XXXX XXXX. Ive always paid my mortgage through the automated service which is linked with my bank account. There is no fee and its not set up for autopay. I would simply call around the time my bill is due and submit my payment. Yesterday i called XXXX on XX/XX/XXXX and they did not accept my payment because they sold my loan to a new company which is Mr.Cooper so i then called Mr.Cooper and they are charging me {$14.00} for the same transaction which has always been free for me. Why am i now obligated to pay this new fee every month! Please help. They have forced a new bill on me which wasnt my choice. My options have now changed because of this. Also i dont want autopay set up. There is no charge there, but its not an option i am interested in. I dont mind paying my mortgage but why this high fee? Id like it to be removed or it reduced dramatically.. maybe {$2.00} but still ive never had this fee. Companies shouldnt be able to charge a new or higher fee then the previous company. It just isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I accessed my Wells Fargo account on-line in order to make a transfer from my checking account to another bank ( XX/XX/XXXX ). While entering the transfer information, I recognized that the last four digits of the XXXX XXXX account had been changed, and did not match the actual account numbers for XXXX. I stopped the transfer and called the Fraud and Security number at Wells Fargo, and deleted the transfer information for XXXX XXXX. I also sent an e-mail to Wells Fargo telling them that someone internal to Wells Fargo had changed the account numbers, and any transfer I made would not have been to my actual XXXX account. ( This was the second time I had the numbers on an account changed ; my Wells Fargo savings account numbers were changed about 3 years ago. My HRA deposited all my health reimbursements to that account, and caught the change in account numbers and called me. ) The phone call to the fraud unit resulted in the Wells Fargo unit cutting off my access to their on-line website, and then refusing to reinstate service until I went to a branch office to prove my identity ; they would not accept my SS number or my information on my checking account activity, such as last deposit made. I went to the branch office on XX/XX/XXXX, and a bank officer made the calls to their fraud unit to get my access to my own accounts reinstated. In spite of the bank officer calling from her office, and having my drivers ' license, checkbook, and all my information, the customer service person ( XXXX? ) proceeded to interrogate me and refused to give me access to my account until she completely went through her procedures. After an hour and 10 minutes, the bank officer tried to re-establish my access on-line, but it was still blocked. After we were put on hold several times, a new voice said our wait time would be 20 minutes more. We terminated the call and the bank officer said she would file a formal complaint, and would keep trying to gain access. She was unsuccessful, and I had to return to the branch office on XX/XX/XXXX. She again called an internal Wells Fargo unit, and we were successful in reinstating my access to my account. At no time was there any concern about the account numbers being changed. I am now in the process of getting 4 direct deposit monthly payments changed to another bank ; I have closed my savings account and deleted all other transfer accounts. Again, Wells Fargo never addressed the core issue of account numbers being changed internally by unknown Wells Fargo personnel.

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 2018-07-03 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information without his consent to apply for an account with Barclay Bank ; while the application was stopped and no account was established the inquiry was left on the client XXXX credit report XX/XX/XXXX. A formal dispute was sent to Barclay Bank fraud department, however a letter dated XX/XX/XXXX is denying the dispute stating the application was valid even though the police report named Barclay Bank in the narrative. This issue is now a violation of my clients consumer rights and violation of FCRA.

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