vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: FL

Complaint narrative:
I made my monthly payment on XX/XX/XXXX but was not aware that my monthly payment changed due to escrow balance. I was alerted on XX/XX/XXXX by email that i was past due, I than called and spoke with a representative and made a payment to coverage the shortage. I explained that I did not see the letter explaining monthly payment changed and I wanted to make sure if payment was made I wouldn't accrue a 30day on my credit report. The representative also told me she would waive the late fee as a one time courtesy credit because I had never been late. The representative failed to advise me that my payment was applied to escrow and the payment i made on the XXXX also went to escrow giving me the 30 day delinquency for XXXX that I was trying to avoid. I called when i was alerted that I had a mark on my report and asked the agent to reapply the payment to satisfy my XXXX past due balance. The agent put in a request and advised that it would be corrected by XX/XX/XXXX but will not be able to correct the 30 day on my credit report without me sending in a dispute. I understand the the first payment was short but when i satisfied the full payment XX/XX/XXXX I would have thought the payment would have been applied to past due balance first not escrow especially since my monthly payment increased to cover the escrow shortage.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stuart-Lippman and Associates, Inc
State: NV

Complaint narrative:
Im unaware of this debt youre attempting to collect, I also was not provided with the opportunity to dispute this debt. Nor did I receive proper notification of this debt. If in fact you believe you provided me with proper notification, please send me a certified receipt with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
Mohela is inappropriate handling my account which now I am getting letters my account is past due and being reported to the credit agency as late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
I have a XXXX XXXX XXXX card from Crypto.com The card advertised multiple benefits, including 100 % XXXX rebate each month. 
Initially I received the benefits without fail. However, I recently realized that these XXXX credits have not been applied to my account since XX/XX/2023, so there are 14 missing months of these credits, which are stated to be 100 %. 

I reached out to customer service two weeks ago. I sent screen shots and requested an investigation into the missing credits as well as a request to have the credits applied to my account at the rate that would have been correct for each month. 

Not only have they not applied the credits but they have not responded to the messages at all. 

They state their normal response time is 2 days. 

This morning they replied to my message, acknowledging it had been way more than 2 days, but they DID NOT address the question at all. They basically said, if it's still relevant, to write them back again!!! This is crazymaking. 

I have had a terrible time ALWAYS getting in touch with customer service at crypto.com They have replied to other urgent messages this same way, saying they knew they had taken a long time to reply and to write them again if still relevant. This is truly unacceptable customer service from a company who manages money. 

The attached files show my attempts at conversation, examples of missing XXXX rebate credits ( which used to arrive the XXXX of each month ), and the absurd reply from them asking if my complaint is still relevant and to just get back in touch with them ( which I did, still no reply ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, disputed errors on my credit reports from XXXX, XXXX, and TransUnion. Despite providing details and an affidavit ( attached ), they failed to act. 

The credit bureaus ' inaction violates the FCRA. I request the CFPB investigate and instruct them to : Investigate each disputed item in the affidavit. 
Remove ALL inaccurate or unverifiable information. 
Notify me of the results within 21 days. 
Failure to act will prompt further action, including legal action or reporting the violation.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, disputed errors on my credit reports from Equifax, XXXX, and XXXX. Despite providing details and an affidavit ( attached ), they failed to act. 

The credit bureaus ' inaction violates the FCRA. I request the CFPB investigate and instruct them to : Investigate each disputed item in the affidavit. 
Remove ALL inaccurate or unverifiable information. 
Notify me of the results within 21 days. 
Failure to act will prompt further action, including legal action or reporting the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
LVNV Funding LLC Amount : {$620.00} OpenedXXXX ( LVNV FUNDING LLC ) is attempting to collect a debt from I and threaten to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I recently opened a savings account with CitiBank and when attempting to transfer funds to my connected XXXX XXXX checking account ( the account used to fund the savings account ) I received an error message and was instructed to contact customer service and tell them I was receiving error code XXXX. The amount I was requesting was below my daily limit. After a long struggle with the automated attendant I reached a customer service representative who told me there is nothing wrong appearing on the account and I should attempt again in XXXX hours. I let her know this was not acceptable and she transferred me to another representative that again informed me of the same and I aske to speak to someone to close my account. After ton minutes on hold I reached the third representative that informed me that I could not close the account for XXXX hours. After a call that took nearly an hour, I informed them I was going to file a complaint and hung up. 

I will attempt to close the account in XXXX hours and hopefully I can end my relationship with CitiBank. XXXX I am concerned that a bank can hold a customers money and not provide access to the funds.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute an inquiry on my credit report that I did not authorize. The inquiry was made without my consent and is not related to any financial transactions or applications I have initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: MI

Complaint narrative:
I had a loan with Personify and was going through financial difficulties. I was offered a settlement and followed instructions to reply to the email if I was interested. I was expecting a reply with the terms and it wasnt received. When I followed up, I was told it was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute an inquiry on my credit report that I did not authorize. The inquiry was made without my consent and is not related to any financial transactions or applications I have initiated.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute an inquiry on my credit report that I did not authorize. The inquiry was made without my consent and is not related to any financial transactions or applications I have initiated.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
XXXX {$280.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX {$390.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX XXXX {$1400.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my XXXX family with a XXXX on the way Please remove unauthorized inquiries and account from my credit report As soon as possible

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 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Netspend Corporation
State: CT

Complaint narrative:
Netspend credit card was used on XX/XX/2024 for XXXX without my authorization I notified them at that time and they cancelled my card the following day my card was used XXXX  for a total of XXXX for which they did reimburse me I did send an email contesting I was not reimbursed for the 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 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FourLeaf Federal Credit Union
State: NV

Complaint narrative:
On XX/XX/year> I sent US {$4100.00} to an account thru XXXX initiated from my XXXX account, where I have sent money to this XXXX account several times. I was since not advised that the Beth Page Federal Credit Union bank account receiving this amount was since closed. I have been given the run around by XXXX and XXXX saying to contact the other to recover the {$4100.00}. Beth Page has also been copied. It's been 3 weeks and no one has bothered to pick up the phone and contact me to resolve this issue. Just yesterday in responding to the XXXX CFPB complaint, XXXX relayed for the first time that BETH PAGE HAS MY FUNDS. Why it took a CFPB filing for XXXX to provide this information is appalling. 

XXXX XXXX contact information, the intended XXXX recipient, is XXXX cell. XXXX 's closed Beth Page Account Number is 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Despite my previous complaint filed on XX/XX/year>, and a second notice sent ( certified mail XXXX ) Portfolio Recovery Associates has continued their collection efforts through alternative means, particularly via communication with XXXX, one of the major credit bureaus. Portfolio contact information on my credit report is incorrect making it difficult for letters to be sent to them which is against FDCPA laws. Their address on public website is XXXX XXXX XXXX XXXX, VA XXXX but they are reporting XXXX XXXX XXXX XXXX, VA XXXX on my credit report hindering my legal rights to dispute this information directly with them. 

In my initial complaint, I provided Portfolio Recovery Associates with a proof of claim letter, clearly stating my request for documentation verifying their legal right to collect on the alleged debt. However, since receiving my complaint and attached letter, Portfolio Recovery Associates has failed to provide a single document substantiating their claim or demonstrating their legal authority to pursue collection activities. Furthermore, despite their cessation of direct phone calls, Portfolio Recovery Associates has updated the alleged account in question on XX/XX/year>, further exacerbating the negative impact on my credit profile. This continued reporting of an alleged debt without validation not only violates the Fair Debt Collection Practices Act ( FDCPA ) and Uniform Commercial Code ( UCC ) but also disregards my rights protected by law. 

The relentless pursuit and reporting of this unlawful account by Portfolio Recovery Associates have severely affected my ability to secure credit approvals from lenders, thus impeding my financial stability and opportunities. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Portfolio Recovery Associates for their blatant disregard of consumer rights and regulatory statutes. Also,

Company response to consumer: Closed with explanation