vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 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: LEXISNEXIS
State: IN

Complaint narrative:
I recently disputed a bankruptcy on my credit reports, which came back " verified by the data furnisher ''. As LexisNexis was referenced as the " data furnisher '', but my credit report says " U.S. Bankruptcy Court '', the data furnisher would had to have been the U.S. Bankruptcy Court, and NOT LexisNexis. I am unsure how even LexisNexis would be able to verify my information with the bankruptcy court because State and Federal Courts DO NOT give or furnish any information to 3rd parties, which include credit bureaus and data miners like LexisNexis. My birth date and social security number are NOT items of public record or general interest. LexisNexis has a long history of reporting information that not only does not belong to me, but is factually inaccurate. Bankruptcy and other public records are housed on a LexisNexis report ; since LexisNexis is a credit reporting agency, LexisNexis must adhere to the Fair Credit Reporting Act. Therefore, they need to verify all data with the furnisher, which in this case would be the bankruptcy court - which they do not verify information or provide records to 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
Good Afternoon - How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Over the course of my lease since XXXX, I have been assessed a number of fees without any explanation for those fees. In the last 3 years, I have attempted to log in online and learn more about those fees. Unfortunately, I have not been able to do so. So, I have deal with Chrysler Capital over the phone, including my call to them today. 

I have recently received a bill from Chrysler Capital. It included yet another fee. The description is very scant and just says " Assessment. '' When I called Chrysler Capital today XXXX XX/XX/XXXX XXXX, I initially spoke with XXXX. When I explained to XXXX my situation and my frustration with Chrysler Capital, she told me that would need to transfer me to another person, who should be able to provide me with a copy of the bill. I also asked her, if the company could share copies of all bills they they have received of the past three years, so that I could have a clear understanding of : a. ) what organization send bills, b. ) the amounts, c. ) why Chrysler just blindly accepted those charges. 

XXXX passed the call onto another representative. This time XXXX XXXX XXXX XXXX told me he would look into this and see, if he can share with me the requested information ( i.e.g copies of all bills ). 

Over 30 minutes later, after I started talking to XXXX, XXXX tells me that he is not able to provide me with any copies, either for the current bill ( the most recent assessment in XXXX ) or let alone for old bills. 

XXXX also tells me : " You will need to call the state and find out from the state what that fee is fore. '' I asked him what states and what organization in the state. He told me he does not know. He didn't have any names, he didn't provide organization names, he didn't share any phone numbers. 

I asked him to escalate the call and speak to his manager. He told me he would oblige. Some time later, he returned and told me that the supervisor is not available and I would need to call the state. 

Moreover, XXXX told me that I had a different address on file. So, I told him that I have been receiving monthly statements from them in mail since XXXX and at the correct address in XXXX TX. He told me he does not know how, because the address in the system is was from XXXX VA. 

So, essentially by the end of the call : 1. XXXX acknowledge that he understand how frustrated I am, 2. He told me to call the state and provided no additional helpful info ( names, phone numbers ), 3. He told me that the supervisor will not be able to call me back, 4. They are not going to wave the fees, 5. They will not be able to share copies of the bill ( s ), 6. And there is nothing else he can do due to system limitations. 

Over the past 3 years, I have accumulated over {$1700.00} in fees and I have no idea what those fees are. I still can not log into Chrysler Capital online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: IL

Complaint narrative:
Still reporting old information

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 2020-09-24 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: IL

Complaint narrative:
Still reporting old information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2020 at XXXX XXXX.. I received a text message indicating that my account was locked, to click on the link to unlock it. When I clicked on it the CITI logo came on, and it looked legit. So I proceeded to input my login and password. at about XXXX XXXX  I logged into my account just to check. That's when I saw that there had been 3 transactions. {$1000.00} from my line of credit was transferred to the regular checking, and two transactions were done using XXXX, one for {$500.00} and the second for {$450.00}. I immediately called customer service, and when I got someone on the line, explained why I was calling. 
The young lady then asked me if I was doing a transaction at that moment for {$350.00} to someone named XXXX XXXX, told her no, that I called because I did not do these transactions.She told me she was going to cancel the transaction for {$350.00} so it wouldn't go thru, and that she was going to lock my account so no other transactions would go thru, and that I had to go to a branch the next day to close the account and open another one. When I went to the branch the next day the representative that assisted me told me that I was the 3rd person to go there with the same issue, 'her name XXXX XXXX XXXX the XXXX XXXX XXXX branch in the XXXX XXXX Then she transferred me to the fraud department, where they asked me a series of questions regarding the two transactions and the person XXXX XXXX.Since then I have been trying to explained to Citibank that I had nothing to do with this, but they still want to hold me responsible, and have me on collections for the money. They insist I did the transactions, because of the way my account was accessed.

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 2020-09-24 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Hi, This company LVNV Funding LLC continues to report to all 3 credit bureaus that they state that I owe. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts aa being accurate and that I know is not correct. I have asked LVNV Funding LLC to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with LVNV Funding LLC 1. ) {$1000.00}, shows opened on XX/XX/XXXX, 2. ) {$670.00} shows opened on XX/XX/XXXX, XXXX. ) {$4800.00} shows opened on XX/XX/XXXX, and 4. ) {$430.00} shoes opened on XX/XX/XXXX I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I disputed a charge on my account with Chase or {$34.00} because the seller said they were going to refund me. The seller would not tell me when I was to be refunded. I kept asking and the seller would dodge the questions. Because it felt like a scam, I disputed the charge. The seller has no indicated that the charge has been refunded. I do not see it on my credit card. However, if the seller refunded my credit card, I want the disputed canceled. I am not looking to win a dispute when I get refunded. 
I would have provided this information on the website but they don't have a good way of contacting the disputes department at Chase and the best way to have my interaction documented is to go through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
For several years I have been called by XXXX XXXX  for a final payment on a gap credit card that shows record for not being paid. 

The unpaid balance is under {$30.00}. 

Someone has added unpaid charges on {$30.00} to the some of over {$350.00}. I have agreed to repay the last payment that was missing but will not pay and addition {$320.00}. I have had them note the account several times and they do not. They refuse to take the amount I have agreed to pay again and drop it. 

I just started a new job and they have now found my work number and called it. They OBVIOUSLY know it is my work number which is NOT ACCEPTABLE!!! 

Lastly, They are messing my credit up for {$25.00}. They are hunting me down as though it is {$1000.00} of dollars and.

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 2020-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have sent the company notices this is a debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my records. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA 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 2020-09-24 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Hi, This company AD Astra Recovery continues to report to all 3 credit bureaus that I owe them a debt in the amount of {$1000.00} this information is not correct.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts as being accurate and that I know is not correct. I have asked AD Astra Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with AD Astra Recovery in the amount of {$1000.00} and opened on XX/XX/19. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In XXXX of this year ( XXXX ) I pulled a copy of my credit report and noticed several errors on my credit report with Experian. I wrote them a simple request to verify, validate and correct the errors that I found on my report. I sent over a certified letter that I had notorize so that they understood that this was a serious violation of my rights. Experian, in turn responded with a vague response and made some minor corrections and for the most part ignored most of the items that need to be corrected with a response that they verified and that it was certified to them to be correct.

Interestingly enough, to my surprise Experian actually added even more inaccurate derogatory information to my file. Such that I dropped my credit score well below 500. This is simply unacceptable. I have instances of reaged accounts, unverified derogatory information, outdated demographic information and the most damaging part is Experian added 24 charge offs to 2 of  my student loans that are in forebearce due to the Covid Cares Act. In addition to adding a charge off for each month starting from XX/XX/XXXX to present on 2 student loan accounts totally 48 charge off marks to my record. They also added a total of 23 reposession marks to one tradeline that I asked to verified. To date, they have not verified and  chose to add these derogatory marks to my file. 

I am a single mother and have never been turned down for an apartment. Because of experians negligence. I have recently as of this week been turned down because of the inaccurate and false information that Experian is providing> the other two bureaus are much more accurate and practice integrity. Its no secret that Experian has a track record of abusing poor consumers in an effort to profit from subprime lenders that fund them to handicap consumer files. I need this corrected as soon as possible! this is totally wreckeless on the part of 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 2020-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
I entered into an agreement in XXXX of XXXX with XXXX  XXXX  who was managing a debt owned by USAA. At that time I owed USAA for two repossessed vehicles. One vehicle was a XXXX XXXX XXXX  and the other was a XXXX XXXX XXXX. Although both cars were under repossession, only the XXXX XXXX  was ever physically taken. When XXXX contacted me, we entered into an agreement to pay off the one car that was physically still in my possession, the XXXX XXXX. I made it clear to the XXXX agent that I wanted to pay off the XXXX XXXX. At that time she sent over an agreement with only an account number and reassured me that this was for the XXXX XXXX only. I spoke to the XXXX  agent on multiple occasions about the XXXX I was paying off and was never once informed that I was not paying off the XXXX. In XXXX of XXXX I completed our payment arrangement and contacted XXXX. They informed me I was done paying, and I could reach out to USAA to ask for the car title to the XXXX. When I contacted USAA they informed me that the XXXX XXXX  was now paid off, but no payments had been made on the XXXX XXXX. I never agreed to pay the XXXX XXXX  account at that time and only discussed the XXXX XXXX with XXXX XXXX. Since XX/XX/XXXX I have been reaching out to XXXX and USAA and have still received no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: IN

Complaint narrative:
My name is XXXX XXXX I got a background check preformed by a company named first advantage. The check was preformed on behalf of XXXX. I was told I have a XXXX  conviction in XXXX this information is false and has cost me several jobs. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX  are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-24 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:
HAS FRAUDENTS ACCOUNTS AND COLLECTONS

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 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MA

Complaint narrative:
There was a fraudulent credit card account opened in using my personal information. The account was opened in XXXX of 2018 and this still hasnt been resolved. Ive been getting the run around for almost two years and my credit score has been destroyed because of this. I had no choose but to hire a lawyer. Once my lawyer was hired Discover started to cooperate and we received a letter stating that the trade line will be removed from my credit file. Once I thought this was resolved Discover started stalling again, and not only had the negative, fraudulent account remain on my credit file, it has been moved to collections, furthering the damage to my credit score. This is my last attempt to resolve this as I will be hiring my lawyer again to pursue legal action against this company.

Company response to consumer: Closed with explanation