vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
For a number of years if requested to have a long closed credit account reflected as such on my report. Until a month ago this account was still being reported as open despite being closed in good standing in 2000! I placed a dispute with XXXX two months ago. The result from that dispute was that the account ( Bank of America ) was removed from my report instead of being reported as simply closed in good standing. The affect of this change resulted in the average age of accounts to plummet, along with my XXXX score from XXXX XXXX! Two outcomes would have changed this outcome : ( 1 ) if Bank of America and XXXX had changed the status years ago, I wouldnt have a lowered score, and ( 2 ), if XXXX  had reflected the account as closed in good standing instead of removing it from my report my score would be higher

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 2021-07-14 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: IN

Complaint narrative:
I have a fraudulent collections item on my account due to identity theft. This exact same debt was filed on my credit earlier this year, just with a different debt collector. XXXX  dispute XXXX was completed ( submitted XX/XX/2021 - completed XX/XX/2021 ), agreed this was not my debt and removed from my credit report. Now the exact same amount is being reported again, just from a different debt collector, and now I'm being told this is a valid debt ( which is impossible ). Dispute XXXX ( submitted XX/XX/2021 - completed XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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 — Overcharged for something you did purchase with the card
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am actually complaining about two agencies that I have no knowledge about. 
JEFFERSON CAPITAL SYSTEMS claims that I opened an account for {$460.00}. If I opened an account for that amount, then why was the card never used and no payments made. It wasn't until the pandemic hit is when I saw this mysteriously appear on my credit report, and I disputed it saying that I never knew about this account and I never received a bill. Next thing you know, they started sending bills to my residence until I began to send it back to the sender. That's not how that works. Thereafter, I started receiving harrasing phone calls daily non-stop. JEFFERSON CAPITAL SYSTEMS should have a record of me spending. I oppose of this and continue to fight against a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act. California Rosethal AcXXXX. I paid my payment before the XXXX day on 4 payments reported by creditor strting in XXXX Two times I was credited on the XXXX day and the creditor reported it 30 days late. In XXXX of XXXX they reported XX/XX/XXXX payment 30 days late in retaliation to my complaint. 2 month after. I have sent them the proof. I was able to use the proof with XXXX  who removed the 4 30 day 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 2021-07-14 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: CA

Complaint narrative:
XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act. California Rosethal Act. I paid my payment before the XXXX day on 4 payments reported by creditor strting in XXXX Two times I was credited on the XXXX day and the creditor reported it 30 days late. In XXXX of XXXX they reported XX/XX/XXXX payment 30 days late in retaliation to my complaint. 2 month after. I have sent them the proof. I was able to use the proof with XXXX  who removed the 4 30 day lates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: IL

Complaint narrative:
I was robbed of my purse and the person took my purse with all my ID and personal information. Now I have unauthorized fraud inquires on my credit report. Some were deleted but Transunion did not delete them 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 2021-07-14 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: MI

Complaint narrative:
On XXXX XXXX LexisNexis added a derogatory mark on my credit report per LexisNexis. Upon further research, on XX/XX/2021 I asked the company LexisNexis in writing to verify the account. After 30 days I than demanded for the Bankrupcty account to be removed from my credit report, due to the fact debtor creditor states theyve verified this Bankrupcty account with the United States Bankrupcty Court. On XX/XX/2021 I contacted the Bankrupcty court to confirm the information I was told by LexisNexis. In writing it was stated the United States Bankrupcty DOES NOT REPORT information to the credit bureaus. I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused public record at all. According to the FCRA LexisNexis has violated my rights as a consumer and Im requesting legal action to remove this public record off my credit report. 



The Company Lexis Nexis claimed that it needs to verify my identity in order to complete the investigation, in which is very false information. On XX/XX/2021 I mailed in a formal written complaint asking for proof of the bankruptcy to be verified. Along with the letter I attached identification such as utility bill, drivers, and proof of car insurance. 30 days after the formal complaint letter I than filed a 30 day demand letter asking for lexis Nexis to remove the inaccurate public record. I also have proof of each letter stating Ive provided the correct documentation following up on the dispute. I decided to file a complaint with the CFPB. In which my problem was still not solved I dont understand how the CFPB Can allow for companies to get away with making money from minorities with bad credit. This is unfair, and my problem was not been solved this company has no proof of the Bankrupcty so This public record needs to be deleted. The courts does not report to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX we began the FHA home buying process with this company, XXXX was the loan officer. XXXX requested us to complete the application and submitted our requested W2 's. We received out pre-approval letter and contacted a realtor and located a house that XXXX approved was acceptable for our loan and we submitted a contract on the home,. Our debt/income ratio was approved and We began to pay off the requested debt. Any documentation was submitted quickly. We were given a closing date of XX/XX/XXXX. We were told that we we were " all good '' and informed that everything was in underwriting but It began to appear that someone in Nations Lending, perhaps XXXX, dropped the ball as we were then asked to submit paystubs, place a deposit of several more thousand dollars in our account, ( which we did ) and told that things were being help up because of an error in the appraisal. We contacted the branch manager whose reasonings contradicted XXXX. We contacted the Corporate office to try and get clarity on why we were getting the run around and within 5 minutes got a call from the branch manager that the loan was now denied due to debt/income ratio which we had already been told was approved. The appraisal would have never been ordered had they had done their due diligence. we were misled, lied to, and then because we went above their heads, the local office declined the loan. We want our {$600.00} appraisal fee refunded as they should have never ordered it if we weren't approved.

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 2021-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: UT

Complaint narrative:
XXXX XXXX, which bought my student loans from XXXX, recently sold them to Firstmark Services, effective XX/XX/2021. I attempted to submit payment electronically via online banking but it did not go through. I spoke to Firstmark who suggested sending checks, which I did, also through online banking. These checks were deposited by Firstmark, for {$170.00} on XX/XX/2021, for {$170.00} on XX/XX/2021, and for {$170.00} on XX/XX/2021. Despite following their instructions, Firstmark applied these three checks to only one student loan. Firstmark continues to badger and harass me about the second student loan, even though I called in several times and their representatives have requested that the misapplied funds be redirected to the correct loan. The last representative said there was nothing she could do to expedite the correction and that I would continue to receive collection calls until they sorted out the situation. This is obviously unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have dispute this account over and over and I never get no verification of any document sent to me for any account and these student loan where removed and the credit bureau aloud them to come back on after a year later what verification are the credit bureau even ask the creditor to provided to make sure these account are accurate I would love to know

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 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i sent a dispute letter on XX/XX/21 asking XXXX  and Experian to provide documents on how they verified *XXXX  XXXX XXXX  XXXX XXXX and *USBK Court XXXX Michigan Docket . per the letter i received from United States XXXX Michigan Court they DO NOT provide any case information nor update information to any credit reporting agency. I ask transunion to provide documents on how they verified these items or delete from my report and they still haven't deleted these items from report nor provided document

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 2021-07-14 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
The following credit inquiries listed on my Chex Systems Consumer Report ID:XXXX, are all fraudulent, unauthorized and not my credit inquiries : XXXX XXXX  XXXX XXXX  , XX/XX/2021, XXXX XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX , XX/XX/2021, XXXX XXXX , XX/XX/2021, XXXX XXXX  , XX/XX/2021, XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX  XXXX XXXX , XX/XX/2021, XXXX XXXX XXXX XXXX , XX/XX/2021 , XXXX XXXX XXXX, XX/XX/2021 , XXXX XXXX, XX/XX/2021 , XXXX XXXX XXXX, XX/XX/2021 , XXXX XXXX, XX/XX/2021 , XXXX  XXXX XXXX XXXX , XXXX  XXXX XXXX  XXXX XXXX , XXXX XXXX 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 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender XXXX XXXX to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.

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 2021-07-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender XXXX XXXX to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender XXXX XXXX to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.

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 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
My Issue is with Cash App. I have tried to resolve an issue by providing them with everything they requested of me only to get additional request each time I comply with a previous one. I have a {$150.00} balance on my account that I can not access nor will they give it to me. I had ( 2 ) accounts with them not realizing that one of them was still opened and should have been closed a couple of years ago for a similar reason. I took my chance and opened a new account and now I am in a situation once again. The company do not offer person to person contact and everything must be done via email. As I mentioned, I have provided them with everything they ask for until they started requesting documents that made me uncomfortable and at risk of Identity Theft. In an email, I explained to them I was not aware/familiar with the requested items and therefore did not feel comfortable with the request, They have made no effort to release my funds, froze my account and ceased from communication. Because I did provide them with I California Drivers License 9against my better judgement ), I immediately contacted Life Lock and advised them of the dilemma to assist with visibility in case of an identity threat. I just want my funds return/released and I will NEVER deal with Cash App again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
On XX/XX/21 I noticed a levy on my bank account in the amount of {$8400.00}. XXXX. I contacted my bank and was advised that the levy was ordered by Richard Sokoloff XXXX on behalf of XXXX XXXX XXXX XXXX. I attempted to contact Richard Sokoloff by phone and was advised by his receptionist that he would call me back. 24 hour 's passed and still no return call from Mr. Sokoloff so I visited his law firm located at XXXX XXXX XXXX XXXX, XXXX NY on XX/XX/21 and requested to speak with him in person. Mr. Sokoloff appeared at the reception window. I advised him that the levy on my bank account was illegal. I explained that said funds are from NYS Unemployment and therefore are exempt from debt collection since the alleged debt is not owed for child support, taxes nor student loans. I presented Mr. Sokoloff with my bank statements which shows that my unemployment benefits are directly deposited into the levied bank account and also proves that my government benefits are the only monies that are deposited into said account. I also presented Mr. Sokoloff with my NYS Unemployment benefits statement which shows the amounts that I have been receiving and also shows that said payments are directly deposited into the levied bank. Mr. Sokoloff skimmed the documents but refused to accept them. He presented me with a copy of the default judgment and his business card before shutting the window and walking away. Richard Sokoloff, XXXX. is in violation of the Federal Debt Collection Protection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Home Point Financial Corporation
State: IL

Complaint narrative:
I was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender Homepoint Financial to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.

Company response to consumer: Closed with explanation