vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/2021, Experian reported my FICO score as XXXX. On XX/XX/XXXX, my score was lowered to XXXX. I did not open any new accounts, did not run up any credit card balances, had no late payments and no change in my debt to income ratio. Additionally, none of the other credit reporting agencies have lowered my score. 

When I called Experian, I was told that there were no negative factors in my credit report that would have caused my score to drop. When I asked if there was someone that I could talk to who could explain why my score was lower, I was told that there was no apparent reason and that I should hire a licensed credit counselor! 

If Experian can just randomly lower my score for no apparent reason, I wonder how many other people are being damaged in the same way. 

Please investigate this situation. 

Sincerely, XXXX XXXX XXXX, Connecticut E mail XXXX Cell- 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 2021-05-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want to contact someone at your company to let you know that I mailed a letter to Experian, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, 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 non-monetary relief
Consumer complaint received 2021-05-17 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: BYL Collection Services
State: LA

Complaint narrative:
The company is reporting to my credit report on a account that i have proven wasn't minds and all the information they have is incorrect regarding my personal information. I have reached out to the company many times and done disputes over and over proven my information and they still refused to delete off my credit report. The report amount of {$3700.00} for staying in a college apartment is not mines I have never stayed or went to a college in XXXX XXXX, La. The application was completely done online and was automatic signed with my name. No photo ID was given or proof that it was myself doing the application or staying in the apartment. I have asked for credit verification on the debt and proof of everything and they have failed to prove that the information was mines. My license number is wrong my bday is wrong this is the 6th time i have prove my information is all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc.
State: TX

Complaint narrative:
My identity was stolen on XX/XX/2021 and the someone used my debit card and took out {$1000.00} dollars on XX/XX/2021. When I noticed this was a fraud transaction which I never authorized I immediately contacted my bank and had to report all fraud transactions including this one from Money Lion. I have also contacted Money Lion and filed for a dispute and explained my situation and informed my checking account had to be shut down and close for both checking and saving account and debit card since all my personal information was stolen. I have filed a police report and reported my case to FTC as well. 
I have contacted every week for a status on my dispute to Money Lion over the last two months but they still have not resolved anything and never return my money of {$1000.00} as of today. I was informed they have attempted for the reversal on XXXX XXXX but nothing was received at my bank and there was not records of the funds receipt due to my bank account already had closed on XXXX XXXX. This was verified and confirmed with a bank representative to money lion over the phone already and still nothing has been received and no one has contacted in regards to this matter and I have been trying to contact the supervisor but they kept me on hold for an hour each time I had called. 
Now I have been patiently waiting for the last two months and I am getting sick and tired and frustrated this has not been settled. Please help me resolve this urgent and extremely important matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LEXISNEXIS
State: PA

Complaint narrative:
XXXX : You violated the United States XXXX Law Hello, I am deeply distraught to find out that you have shared my personal information about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX ) with the credit Bureaus XXXX XXXX XXXX XXXX XXXX If the credit Bureaus did not obtain this information from you, then I request that you send me a letter stating that you did not share my information with the credit bureaus, and that they did not find out about my bankruptcy ( Chapter XXXX Bankruptcy XXXX XXXX : XXXX XXXX from your company. If you shared my information, that is a violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. Also Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. Criminally you are in violation of 18 U.S. Code 1028A - Aggravated identity theft, because you repeatedly share my information with new creditors. This punishment can carry up to XXXX years in XXXX. you are also guilty of FDCPA XXXX furnishing deceptive forms, because the forms you sent to the credit Bureaus are misleading, and I feel misled by your actions. I attached exhibit A as proof that this bankruptcy is appearing on my credit report because of the information your company has illegally supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
I don't understand why it's so hard to have Experian do their Job!!!!! Its thats simple I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report. I had to have Experian investigate the other Inquiry 25 TIMES!!!! Before they did their job. Very simple all the have to do is pick up the phone call the number listed and they will find at no point did the above referenced company order my credit report.

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 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been illegally done wrong. i have been to XXXX XXXX Saturday XX/XX/XXXX for XXXX XXXX and XXXX XXXX issues, missed our trip to XXXX XXXX Ar. to our daughters grave and check on my sick XXXX XXXX XXXX mother, due to our XXXX XXXX XXXX being repossessed by Ally Financial XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX and the chapter XXXX attorney Mr. XXXX & paralegal XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX ( XXXX ) XXXX was notified immediately the morning of XX/XX/XXXX after I was told by Ally while trying to make a payment that we were delinquent of 116 days of payments. I tried to ask questions, but since we are under a bankruptcy still in their system they need to speak with the attorney. I notified XXXX XXXX paralegal Mr. XXXX XXXX immediately XX/XX/XXXX that morning and he said that he was notifying Mr. XXXX the attorney and ask for a payment history. I immediately called Ally Financial back asap and requested a payment history. All these trumatizing events and lost of our car, XXXX XXXX XXXX trumas could have been prevented 2 weeks ago with a simple phone call as our paid legal representative should have done XX/XX/XXXX. This is so bad that we have lost our car, lost our opportunity to keep our positive credit we were trying to establish to refinance our home, get custody of our dead daughters children and a repo on our credit is lost of every penny spent 5 months catching up on our bills including paying Ally the arears of the 116 days of {$3500.00} in XXXX to bring the account current in order to keep my wifes {$58000.00} car XXXX retail ) I saved for 3 years to get her that XXXX XXXX XXXX for her birthday in XXXX. Now since we have been careful because XXXX took the lives of XXXX relatives already we have some doubts about the safety of some repo man in it. You can not put an amount on these damages to our lives that my XXXX & XXXX XXXX ect has gone through. Please help

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 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Complaint re : NewRez Loan I am writing to complain about the re-financing of an existing loan with NewRez LLC. This was a long-drawn out procedure that began in XX/XX/XXXX and was closed at the end of XX/XX/XXXX but there are still unresolved errors. Most of my complaints are about inefficient procedures by NewRez that are better suited to a business complaint site but I have 3 specific issues that are squarely within CFPB purview. These are 1. My loan closed on XX/XX/XXXX ( and took effect on XX/XX/XXXX after the 3-business day waiting period ). I paid 5 months escrow property tax because a tax payment was due XX/XX/XXXX. As of XX/XX/XXXX, NewRez has not paid the property tax that was due, instead holding my money that I had already paid them in escrow. 

2. I sent a written notice of error to NewRez on XX/XX/XXXX. No acknowledgment of receipt of this notice of error has bene forthcoming as of XX/XX/XXXX ( 9 business days later ). I called on XX/XX/XXXX and alerted them to the error and sent a copy of the property tax bill to the helpfful lady who answered my call. The best she could do was to promise me to " Open a research inquiry and respond within 15 business days '', no fault of hers but a bit ridiculous since they actually had a copy of the tax bill showing that the amount was due on XXXX and they had not paid it. 

3. The underwriting process is broken - they never provide a comprehensive checklist of documents that the client has to provide. Instead they ask for docs, a few weeks later ask to clarify certain things like a transfer to a bank account, then wait more weeks and ask for updated docs XXXX pay stubs and bank statements in particular ), rinse and repeat. I must have submitted paystubs and bank statements 7-8 times over 6 months. The final irony was when they wrote back to say my loan amount was inaccurate because I was getting too much cash back solely because they had dragged the process out for so long that I had paid my loan principal down so much. The most important consequences of this delay were i ) the need to re-run my credit ( a second hard inquiry that dinged my credit score ) ; ii ) the need to re-cert my appraisal ( although they did credit me for that fee ) and iii ) the fact that my new mortgage payment was {$600.00} less than the old one, so I paid {$3600.00} extra over the dragged out refinance of which I assume at least half was due to unnecessary foot-dragging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
The collection agency TSI is attempting to collect on a debt that was paid. This account belongs to a hospital account I paid of ( see attached ). TSI has removed the collection notice from my XXXX and XXXX  credit file, but not from XXXX Every time I call and try to speak to someone, they hang up the phone. Also, I verified they never sent me notice of a debt collected becase they had an incorrect address ( an old Address ). The hospital was also sending bills to an old address. I am asking the report on my XXXX file be removed just like it was removed from my credit file with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 — Investigation took more than 30 days
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
I want to contact someone at your company to let you know that I mailed a letter to XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
In XXXX of XXXX I requested and was approved for the Forbearance plan due to economic impact due to the Pandemic. 
In XXXX of XXXX I spoke to an agent to begin making payments, as I rectified my finacial position. In the conversation with agent I requested my balance be deferred, that request was approved in writing. Since XX/XX/XXXX I have had many many conversations with agents due to my account not being updated, and I have not been able to make mortgage payments. I have been referred to their escalation department on 2 different occasions, with no resolve. The last agent explained I could not have a deferred plan due to having a FHA loan. I asked why I received in writing from their company I was approved for a deferral. She had no answer. She did say my situation would be resolved and my accout would be updated, and I would be able to begin making payments. As of today, XX/XX/XXXX I still have no answser to my questions, nor is my account updated reflecting any attempts I have made to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
We currently have a VA loan taken out in XXXX. We applied for a refinanced ( lower interest rate, cash out ) VA loan through our current lender, Navy Federal Credit Union, in XX/XX/XXXX. We have submitted all the requested paperwork, went online and electronically signed everything they asked for, have been in contact with them the whole time, completed the pest inspection and appraisal in XX/XX/XXXX. Absolutely everything they required of us. Nothing has changed in terms of our income or credit, and we have submitted and resubmitted proof of income. It has now been SIX MONTHS and they keep saying our refinance is " in-process. '' Six months we have missed of lower payments, and still no end in sight or guarantee that this refinance is a sure thing. Six months of waiting to see and also missing out on refinancing through a different lender completely, and now the interest rates are going back up. 
What can we do about this? IS THERE A TIME LIMIT on how long a financial institution can take to " process '' a re-finance? In XXXX, they gave us an anticipated closing date of XX/XX/XXXX, and it is now a month and a half past that date and still no closing scheduled. Please help! My assigned loan officer is very uncommunicative to email or phone requests for updates. Her name is XXXX XXXX NMLS ID # 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 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On Saturday XX/XX/XXXX of 2021 XXXX XXXX. 
While on my second XXXX page " XXXX '' I seen a sselle that goes by the name of XXXX that was advertising XXXX XXXX for sale " {$30.00} each shipped ''. 
I contacted a seller about purchasing 2 of the XXXX XXXX ( XXXX ) XXXX XXXX they claimed to have. 
The seller informed me of what forms of payment they accepted and I chose to use Zelle. The cost of my purchase was going to be {$60.00}. I sent the money and the confirmation of the sent money. 

The seller stated they received it. 

After that I did not hear anything back from the seller. So on Wednesday XX/XX/XXXX of 2021 @ XXXX XXXX I contacted the seller asking if they had sent the items we purchased. They said they had sent it & had the shipping information. I requested to receive the tracking information of the shipped items ( XXXX XXXX ( XXXX ) XXXX XXXX ). 
But they did not send any tracking information I sent 4 more messages requesting the tracking information or a refund for more times that same day. 

They still claimed to have the tracking information but did not provide it. 
I sent four more messages requesting it and have not heard back since. 

This is the information I've been able to retrieve on the seller : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TX

Complaint narrative:
I paid the {$10.00} balance in full through XXXX online banking on XX/XX/2021. The funds were taken from my account. After several phone calls to Barclays and to XXXX it was determined that XXXX made a mistake in their coding. On XXXX I had a 3 way conversation between, Barclays, me and XXXX. Barclays told XXXX to send the supporting documents to them. On XXXX RBFCU sent the documents ( attached ). Barclays then sends me a letter on XXXX ( attached ) about a missing payment of {$1000.00} which has NOTHING to do with the issue at hand. Never was there any mention during any conversations or documents that there was a missed payment in the amount {$1000.00}, it was {$10.00}. Obviously they are not reviewing the phone notes or mailed documents. On XXXX I receive a letter from Barclay 's stating they can not take the 3rd party documents that XXXX sent to them, ( letter attached ). XXXX was told on the 3 way call to mail Barclays the documents ; getting the letter from Barclays stating they could not accept the documents just goes to show how inept they are, it is so irritating. I then called Barclays and asked for a supervisor 's supervisor to review the file, and to do a thorough review before calling me. I was told a supervisor would call me back, it's been weeks and I have yet to receive a call, but I did receive another statement with another late fee. The {$10.00} was NEVER credited back to my bank account or credit card account. There is an out of balance AR ledger for {$10.00} at Barclays or someone else 's account was credited using my funds. They have my cash, but no credit to my bank account or credit card account. I'm feed up with them.

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 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
On XX/XX/2021 i received notification of a change on my credit report. A debt owed of XXXX for rental recovery. I never received any notice that it was going to a debt collection agency. 
I spoke to the Regional manager of the XXXX XXXX. And she said this debt was taken care of because the damage that they claimed were from damage from water leaks. They sent me a invoice of the carpet with a 5 yr warranty. Carpet was soaked from pipe burst. 
All work orders were sent into XXXX XXXX XXXX I was living there for 2 years and they expect no damage and to move people asap. 
This company failed to send notification they were sending to any debt collection service. And never received and notices of any debt after i spoke to regional manager.

Company response to consumer: Closed with explanation