vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 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: OH

Complaint narrative:
Lexis Nexis XXXX XXXX XXXXXXXX XXXX, GA XXXX RE : Social Security Number : ********** To Whom It May Concern : In your letter dated XX/XX/2018, page 2 you acknowledge that under the FCRA that I have the right to request a description of the procedure used to determine the accuracy and completeness of disputed information. 

I am requesting the exact method of verification used considering Bankruptcy Rule 9037 ( a ). 

REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number.

Please note : You may not surmise that just because a name, partial address, partial account number, partial SS number, generation ( Jr., Sr. ), and or the 2nd or 3rd generation etc. is accurate. 

Therefore, based upon Bankruptcy rule 9037a above, the information many not be verified based upon assumptions.

Failure to respond satisfactorily with a deletion from your records within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I filed a chapter XXXX  bankruptcy case number XXXX which included an auto vehicle, a XXXX XXXX XXXX for a loan that I had taken out with XXXX XXXX XXXX out of XXXX, XXXX. In the bankruptcy filing, I continued to make payments to Springleaf Financial for a " cram down '' that was done on the auto loan. It was my understanding that at completion of the bankruptcy, after discharge that the lien on the vehicle would be released and that I would be sent the title to the vehicle. The bankruptcy discharged on XX/XX/XXXX and I've yet to receive the title for the vehicle. In fact every company that I've contacted that had a hand in the proof of claim, transfer of claim and every other step claims that the are not responsible for the lien release on this vehicle. My problem still goes further. I since re-established myself and needed to purchase a reliable vehicle and have attempted to trade this vehicle. With the assistance of a local car dealer, they've tried to assist me with obtaining the title, the Division of Motor Vehicle for XXXX XXXX show that XXXX XXXX XXXX, the original lienholder has yet to release the lien/title. XXXX XXXX XXXX has been deemed a failed bank and has been out of business since XX/XX/XXXX. I have documentation that Springleaf of XXXX  filed a proof of claim for the balance of {$5500.00} on XX/XX/XXXX, a transfer of claim was then done by XXXX XXXX on XX/XX/XXXX. After contacting XXXX, I was informed that Springleaf recalled the debt due to the account being paid prior, the recall was completed on XX/XX/XXXX. Springleaf has said that they show this account- reference number XXXX  as an unsecured debt and therefore have no lien to release. I've held up my end and completed all payments agreed upon as requested. I simply want the title to the vehicle so that I can move forward and on from this bankruptcy. It seems as if the laws don't cover the consumer and basically banks on the consumer not completing the payments due on the bankruptcy. I've made attempts to contact the FDIC since XXXX XXXX is now out of business. Again, I simply just want the title. I've spent countless hours on phone calls, writing letters, faxing and researching and no one seems to want to assist me but there was no issue cashing payments that were received for the debt. The dealership has offered me compensation for this trade and due to this issue I may lose the money on the t and

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, a debt collector, along with Discover Bank, continue to attempt to collect a fraudulent debt ( XXXX XXXX XXXX File # XXXX ) which was the result of identity theft, despite being notified several times that this was a fraudulent debt, in willful violation of FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 6 ), and Section 615 ( f ). Additionally, XXXX XXXX XXXX XXXX, along with Discover Bank, continue to attempt ( albeit unsuccessfully ) reporting this debt to the major CRAs in violation of FCRA Section 605 ( b ).

I have notified both XXXX XXXX XXXX XXXX, and Discover Bank several times, beginning XX/XX/2017 via certified, registered mail, as well as e-mail that this debt is a result of proven identity theft. I have kept complete, and extensive documentation of these interactions. However, largely, I was ignored by both named entities, despite having return receipts from the United States Postal Service showing that my documents were signed for.

In the above mentioned documents, I have provided both XXXX XXXX XXXX XXXX, and Discover Bank, multiple times, with the following : a police report, an FTC Identity Theft Affidavit/Report, a personal statement, notifying both XXXX XXXX XXXX XXXX. And Discover Bank that this debt is a result of identity theft, a copy of my credit reports with the account highlighted, a copy of my identification, a copy of the FCRA Notice to Furnishers of Information, as well as a copy of my accepted FCRA Section 605 ( b ) requests, and finally, a letter regarding my security deposit at my previous residence, proving that I had moved out more than a month before XXXX XXXX XXXX, and Discover Bank claim I applied for, and opened the account.

XXXX XXXX XXXX XXXX., in conjunction with Discover Bank, have willfully violated the Fair Credit Reporting Act multiple times, and have completely ignored me, or provided me with generic information that any identity thief would have ( social security number, date of birth, mothers maiden name, and a previous address I no longer lived at ), each time I have been in contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: TX

Complaint narrative:
My wife and I recently moved form XXXX XXXX to XXXX XXXX and today we each received 2 letters from Equifax identifying changes of address. The letters dated XX/XX/XXXX say that our new address is actually an address that we had 4.5 years ago and the letters dated XX/XX/XXXX say that our new address is the address from which we recently moved. I tried calling Equifax twice and they won't talk to me/us except to ask innumerable " security questions '' some of which ask for years old information that we don't have a record of. Our credit cards have been scammed several times in the past and we are now concerned that someone is trying to scam us again or trying to steal our identity and Equifax won't even tell us if they actually sent these letters or why they were sent. I spent most of the afternoon trying to contact Equifax to find out if these letters are really from them or a scam. Maybe because of our recent move, they can't seem to identify me either twice by phone or on the website. I called them in response to their letters and they won't talk to me. This credit agency shouldn't have the right to my information, send me erroneous letters and then not respond when they get it all wrong. I need help! This credit bureau equifax shouldn't be in business if they can't do the job and won't talk to people who they are tracking. They will not tell us what address they currently have on file for us. Won't tell us why these letters were sent. Etc. Etc. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: ALCHRO INC.
State: FL

Complaint narrative:
I was mailed a letter onXX/XX/XXXX stating my account was written as a charity write off. The account specifically says the account is considered closed. 7 months later XX/XX/XXXX they are saying the account is delinquent and now its on my credit report. They said in order for it to be removed I need to pay an additional {$15.00} which is unfair and the account was never supposed to go in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a consultation with a XXXX regarding XXXX XXXX. To my surprise the charges I thought I was looking into were actually charged without my consent nor was I given any financial documentation. Such as lending agreements, disclosures, invoices for a treatment treatment plan, nothing.There is also a credit freeze on my Social so how they bypassed those security measures needs to be audited as well. When the bill came I began contacting the XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX advised me to go back to the XXXX which I did ask the front desk why I was charged when I had not yet agreed to the treatments. After this went back and fourth from XX/XX/XXXXto XX/XX/XXXX, I just agreed to the XXXX XXXX and then the XXXX I originally consulted with left the practice and I had to deal with an unfamiliar XXXX that I ended up not having any confidence in to adjusting my jaw and do any permanent long term XXXX work. I feel it is completely unfair that the patient does not have any control over who the attending XXXX  is for treatment or what or how things are billed without their consent. I have continued to dispute my dissatisfaction with the XXXX office and XXXX XXXX with no resolution. The XXXX  office has submitted false documentation to the lender that my XXXX  treatments had, " all services were received. '' which I never received all my XXXX trays so my XXXX treatment never could have been completed. The unethical practices of both the XXXX  office and lender seem to be in gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX- I made a purchase of {$10.00} at the XXXX in XXXX , Florida .

XX/XX/XXXX- I received the first credit card statement from XXXX Credit Card showing I have a new balance of {$38.00} due on XX/XX/XXXX. I immediately called the XXXX  number and was given the run around on how I was on a paperless statement with XXXX-XXXX. Finally spoke to XXXX  and he waived the lates fee 's since I never requested paperless and was not aware of my balance. The balance of {$10.00} was paid on XX/XX/XXXX. I then requested the account to be closed, since the CRS 's before XXXX   were so rude. Account was closed on XX/XX/XXXX.

XX/XX/XXXX- I received another statement from XXXX showing I now owned {$49.00} and I called immediately and they stated it has been balance to a XXXX balance.

Today XX/XX/XXXX - I received a call from XXXX  stating I owed a past due balance and requested my payment. After reviewing the notes in the system the CSR transferred me to a XXXX at XXXX ext. XXXX, which was very polite and stated my account is now at a zero balance. I requested to speak to a supervisor, since it shows my accounts 3 payment past due and I completed the payment on XX/XX/XXXX when I received my paper bill. Spoke to XXXX and she assured me that the account is at a XXXX   balance and the payment history was updated to show current and the error will be reported to the 3 credit agencies. I plan to call XXXX   back in 48 hours to confirm this has been completed and contact the credit bureau 's next month. I have perfect credit and can not believe this credit card company is allowed to function and cause damage to my credit history that I have worked so hard for the last 25 years, plus continue to send me past due notices and calls to my cell. Please Help!

Thank you so much for your time and assistance.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I contacted Waypoint Resource Group on XX/XX/XXXX around XXXX. I spoke with a female representative about an account on my credit file that doesn't belong to me. My XXXX  credit file reported this incorrect information on XX/XX/XXXX. The original creditor is listed as Waypoint Resource Group. The account was assigned to them on XX/XX/XXXX. The original amount owed and the amount listed is {$1200.00}. The status is unpaid. The balance date is XX/XX/XXXX. The account designator code is listed as INDIVIDUAL_ACCOUNT. The account number is listed as XXXX. The creditor classification is cable or cellular. The last payment date is blank. Date of first delinquency is XX/XX/XXXX. This is the information listed on my credit file. The female representative I spoke with today attempted to look up the account using my first and last name and the amount owed. She stated that nothing is coming up under my name. I informed her that the information was added to my account on the date listed above. She insisted that I provide her with my full social security number and that was the only way she could look up my account. I told her that I would only give her the last four of my SSN. She stated that would not be sufficient. I disputed it with the creditors and this information hasn't been removed from my file. I don't owe anyone this money for anything. I have only one creditor who I do business with and that is XXXX XXXX. I would like this dispute reviewed, addressed and removed from my credit file immediately. This is fraudulent and inaccurate information and I do not owe this money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
During the last 3 weeks, ive had the XXXXXXXX XXXX XXXX XXXX store in XXXX illinois make unauthorized charges to my payroll card, and XXXX has refused to reverse the charges. 

They have on 3 seperate occasions " XXXX out '' my account, the first time taking XXXX. And change, the second time XXXX, and the third time {$1.00} The payroll company wont refund the amounts, and XXXX is simply charging my card, even though ive never given them any authority to take money, without my SPECIFIC PERMISSIOXXXX. 

I have paid on my account at XXXX with this account in the past, however they took it upon themselves to take my debit card number, store it, and then choose to take every cent that was on the card at their convience, when i didnt call them to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: OH

Complaint narrative:
XX/XX/XXXX - Certified mail sent XX/XX/XXXX - Certified mail delivered and signed for by company XX/XX/XXXX - Follow up letter sent asking to delete record based on item not marked as disputed within the 30 day FCRA guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: FL

Complaint narrative:
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. Account XXXX XXXXAccount XXXX XXXX XXXXFraudulent inquireXXXX XXXX XXXX Date Filed XX/XX/XXXXXXXX XXXX Date Filed XX/XX/XXXXXXXX Date Filed XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl 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 non-monetary relief
Consumer complaint received 2018-06-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. Account XXXX XXXXAccount XXXX XXXX XXXXFraudulent inquireXXXX XXXX XXXX Date Filed XX/XX/XXXXXXXX XXXX Date Filed XX/XX/XXXXXXXX Date Filed XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America overcharged me interest on my HELOC. They calculated the interest with the wrong interest rate that was approximately 2.0 % higher than the correct rate. I noticed the error. BofA sent me a letter shortly after and acknowledged the mistake and commited to fixing it before I called them. I monitored my statements and the error was never fixed. I called them several months ago and the error still has not been fixed. I have trouble getting through to an actual person on their customer service number. Most calls their system does not recognize my account number. It has been 6 months and the error still has not been fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Company is now ignoring all requests for information- complaint XXXX was not responded to in a proper manner, please forward this complaint to enforcement as company is attempting to collect on criminal usury interest amounts. XXXX USD off a XXXX USD credit limit. I've enclosed a spreadsheet showing civil usury which this company is obviously guilty of, but by their own admittance, the interest was only calculated on a 3 year period.

Company response to consumer: Closed with explanation