vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I XXXX XXXX GIVE AUTHORIZTION TO EXPERIAN, AS PER YOUR REQUEST IN RESPONSE TO MY 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 non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS

Complaint narrative:
unable to retrieve my files. They constantly told me they didn't accept my identifications despite the fact that I am not a XXXX resident and I do not possess any XXXX-issued IDs They never attempted to reach out to me to ask for another supplementary IDs. Always a canned response no disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I asked Chime to cut my card off on XXXX while I was XXXX  The head XXXX  allowed me to do that. Chime did not do that. I received my # 2 stimulas check on XXXX and with in 2 min a XXXX XXXX XXXX my money transfered to them. Chime will not open back up my dispute. I have opened it multiple times and they said I need to give them more information. They won't contact or give the Sheriff Dept. any information. I have showed them proof I was XXXX up in XXXX. They send me the same letter every time saying to give them more information and then they will open my dispute. I have gave them everything I possibly could. They said my account had no change in profile information. Yes it was changed. They changed my phone number because Chime gave the number to me on account that was changed too. They will not cooperate what so ever with the investigation. I'm at a loss because they still think it was me that got the money. I was in XXXX Gave proof to them. They know they messed up when they did not cancel my card and protect my account like I asked them too. They will not give me the money back or let the Sheriff dept have the information to what ATM was used to get money off of, or information to make an arrest. I have emails where they say they will help and they are investigating. Not one time have they reached out to me to even let me know they keep closing my dispute. They are doing nothing to get my money back and they won't pay my money back. I have contacted them hundreds of times but get nowhere. They won't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: TX

Complaint narrative:
I sent a complaint for EXPERIAN, in response to Experian, i did not accept anything or any goods, because these items on my credit report are not mine. these are on my credit report in error. I AM A VICTIM OF IDENTITY THEFT

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 2021-05-14 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 previously notified the bureaus that I am a victim of identity theft. in response to them, I XXXX XXXX do give authorization again, which i already did before.. I am not a third party, I am a victim of identity theft.

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is not updating my XXXX card. Equifax is not updating my credit profile. Why is XXXX stating current and good standing and XXXX balaalsnce but equifax is not. XXXX they all have the same accounts. All.the credit bureaus should be on the same page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
My loan was transferred from XXXX XXXX to XXXX XXXX XXXX and they have refused to send me my pay-off since XX/XX/2021. I have been trying to lower my rate from a 4.125 to a 2.375 % and they refuse to send me the pay-off. It took them months to send me my mortgage note and other documents requested.

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 2021-05-14 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: NY

Complaint narrative:
I previously notified the bureaus that I am a victim of identity theft. in response to them, I XXXX XXXX do give authorization again, which i already did before.. I am not a third party, I am a victim of identity theft.

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 2021-05-14 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: NY

Complaint narrative:
I previously notified the bureaus that I am a victim of identity theft. in response to them, I XXXX XXXX do give authorization again, which i already did before.. I am not a third party, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I voluntary surrendered a car US AUTO HOWEVER IS STILL REPORTING A high balance on my credit. I never received a sold statement from this company but they have placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Three weeks ago I recieved notice from Tennessee Farm Bureau that they had not received payment from Shellpoint Mortgage for my Home insurance and the policy had cancelled. I am escrowing and this policy was the responsibility of Shellpoint Mortgage Servicing. I called Shellpoint and when I asked their agent why the policy was not paid she gave an answer that made no sense. She said that the policy was not set up in their system to 'auto renew '. All of my policies auto renew. I've owned my home since XXXX and I've never had to explicitly tell the mortgage servicer if the policy auto renewed or not. Shellpoint is a new mortgage servicer. My loan was transferred to them around XX/XX/XXXX. The agent then apologized and said she would make sure the payment was expedited. I was able to three-way the call with my insurance company and the Shellpoint agent, who after speaking with her manager, came back to the phone and proceeded to tell both the agent and myself, that she would expedite payment and she took the address from my agent to expedite the payment. I thought the matter was resolved. I later learned that Shellpoint did not send the payment as their agent had promised ( with no notification to me ) and that Shellpoint continued to steadfastly refuse to make the payment, allowing my insurance policy to remain cancelled. 

Yesterday I recieved an email from the insurance company stating they never recieved payment. I then called Shellpoint Mortgage back and spoke to a different agent. The agent stated that they did not make payment and would not be making payment because home insurance was not something they paid. They paid the very first policy. But for some inexplicable reason decided to no longer pay my insurance policy. However I am escrowing for this policy to be paid. At this time shellpoint had put me in their hazard insurance and was evidently preferring to keep me in their sky high hazard insurance while refusing to pay my policy. 

The agent never did explain how to get the matter resolved. The first agent who said she would pay the policy evidently never put notes detailing our conversation either. I asked to speak with a manager. I spoke with XXXX XXXX. She said she did not know why my insurance policy was not paid and that the insurance dept was closed. She told me to 'call back '. I requested she have someone call me back. She refused. She said they could not request call backs. 

I need my insurance policy paid. After multiple phone calls with Shellpoint they have yet to articulate a good reason for refusing to pay and they have not provided me with a resolution. I am deeply frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I previously had an auto loan with JP Morgan Chase. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on XXXX, XXXX  & XXXX  ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with XXXX, XXXX & XXXX  as well as JP Morgan Chase, with no resolution!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I received an offer to pay a debt to a company that i have no business with. I have never heard of, nor have done business with Midland Credit before. The first i've heard of this company was today, with 3 different offers to pay by the month for a total of {$290.00}. If this company can show me when and where I signed the contract with Midland Credit, I'll be happy to read it, but I know they dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 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: KS

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Attempting to collect a debt that is not mine. Failed to respond to XX/XX/2021 request for debt validation. 45 days have passed as of XX/XX/2021.

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously had an auto loan with XXXX XXXX XXXX. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on Transunion, XXXX  & XXXX  ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with Transunion, XXXX  & XXXX  as well as XXXX XXXX XXXX, with no resolution!!!

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously had an auto loan with XXXX XXXX XXXX. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on XXXX, Equifax & XXXX ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with XXXX, XXXX  & Equifax as well as XXXX XXXX XXXX, with no resolution!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
My wallet was stolen and my identity has been stolen. The accounts that I do not recognize and that arent mine are listed below : Amsher Collection Serv Reported On : XX/XX/2021 Account Balance : {$620.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I filed a dispute in regards to the incorrect inquires on my credit report, it has been well over 30 days and still have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Within the past 2 months, I have tried to resolve this issue multiple times with Navy Federal and no one helps me. I called Navy Federal around XX/XX/XXXX after receiving a letter that I will be reaching my loan maturity date on XX/XX/XXXX and that my payment would be {$210.00} instead of the {$100.00} that was the original payment on the loan. I spoke with them for almost an hour. The personal finance team told me that someone would reach back out to me within 3 days because I may have been overcharged. I called back on XX/XX/XXXX and I was advised that they were still working on it. I called back again on XX/XX/XXXX and I spoke with them for 41 mins and I was advised that the reason that my payment changed was because I lost my payment protection plan. I called back again on XX/XX/XXXX, XX/XX/XXXX and spoke with them another 41 mins and on XX/XX/XXXX and still no resolution. I am upset because Navy Federal cheated me out of my protection plan. 3 years ago, I made a complaint because I had the protection plan that was supposed to kick in when I was out of work and could not pay. I called Navy Federal and let them know that I could not work ( which lasted 3 months ) due to being injured in a car accident. Navy Federal did not help me to file a claim and just made payment arrangements with me instead of servicing me with the product that I was paying for. After I made a complaint to the CFPB, they apologized for not servicing me and to compensate me, they waived my late fees which would equal up to the amount of payments that I missed. Navy Federal is now punishing me due to them making an error with their products were they should not have changed my payments from {$100.00} to {$210.00} which is more than double of my original payment. I have spoken with supervisors and several departments in order to resolve this issue and no one will help me. They all say that they can not help me even though they made a mistake that is costing me as a consumer and that is not fair.and they never informed me about the {$210.00} payment either until the end of my loan which is why I called to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
Attempt to collect a debt previously discharged by original creditor Faiklure to respond to request for debt validation XX/XX/2021. 
45 days have passed as of XX/XX/2021 2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I went in to have some tests run at XXXX XXXX and they were given a list of tests to run by my surgeon for a XXXX clearance. They ran all of them but one test was the wrong type of test that I had already paid for. So they told me to come back in the next day at no charge to me since it was their mistake and get the correct test. Then XXXX XXXX started sending me bills. I called XXXX XXXX and they assured me I did not owe for this as it was THEIR mistake and they would notify XXXX XXXX as well. Now the account is in collections and damaging my credit when I NEVER owed it to begin with! This needs to be removed immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: LEXISNEXIS
State: NC

Complaint narrative:
I have previously disputed these items with LexisNexis [ Bankruptcy Case # XXXX, XXXX, & XXXX ] and in response you verified the items are accurate, stating that you have verified the information with the U.S. Bankruptcy Court via PACER.

I contacted the courts directly, and their response is enclosed. It is clear they DO NOT report to you or to any credit bureau for that matter ; therefore, your original response verifying the items with the court was either an error or a lie. Either way, the reporting requirements DO NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and the items in dispute on my credit report must be deleted immediately. ( Reference page # 7 & 8 ) In contradiction, you ( LexisNexis ) stated .... reported to LexisNexis by the nationwide consumer reporting agencies. ( Reference page # 3 ) On the other hand, I have numerous credit reports stating from the nationwide consumer reporting agencies that all public information was obtained through a third-party vendor, LexisNexis. ( Reference page # 5 ) Moreover, my name, address, and full social security number should NOT have been shared with any third party due to the security freeze I have and had on my credit files with a PIN from each credit bureau and your company LexisNexis.

Enclosed are copies of ( highlighted ) documents supporting my position.

Company response to consumer: Closed with explanation