vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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: PA

Complaint narrative:
I originally sent a complaint about non accurate reporting on my XXXX XXXX XXXX XXXX  account it has not been properly reported by the major credit bureaus under The Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) please update account with 100 % accurate information under the FCRA this is having a very negative impact on my credit. 


Experian, XXXX XXXX, XXXX I am Writing this letter in regard to some of the deficiency 's in my credit report. A credit report should have 100 % correct information and reporting and not be misleading to potential creditors. Some of these items in regards to my XXXX XXXX XXXX XXXX  account listed on my credit report as ( XXXX ) are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated. All monthly payments should be reported on time. Late Payments From XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX XXXX Should be updated as Paid on time. In XXXX XXXX  XXXX 2 Bureaus are reporting 30 Days Late the other is reporting on time this is not 100 % accurate. XXXX XXXX  XXXX 2 credit Bureaus are listing Late the other listed on time this also is not 100 % Accurate and needs to be updated to a on time paid status. Finally XX/XX/XXXX 2 agency 's have not reported and one shows 30 days late again this is in accurate information. Attached is my credit report from all 3 major Bureaus. Also the open date is not reported accurately 2 bureaus show an open date of XX/XX/XXXX and the other is reporting XX/XX/XXXX this as well is not 100 % accurate. In total With deficiency in the open date, Last Payment, Payment History, Original Payment and Monthly Updates there are 7 violations and misleading information that needs to be updated and corrected in total there is a max of XXXX in violations under the ( FCRA ). Under the FCRA if there is not 100 % correct information this information needs to be removed and updated 100 % accurate.

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 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: NY

Complaint narrative:
I originally signed up for a XXXX XXXX XXXX XXXXXXXX XXXX because I was going through a divorce and needed the money to catch up on some bills. They approved me for {$4000.00} in total. The plan gave me {$1500.00} initially as a loan. The other {$2500.00} goes into a savings account and you get reimbursed the {$2500.00} after you pay the total loan in full. I was making on-time payments to XXXX during the duration my loan was with them. They then sold my loan to SST out of nowhere and I was sent an email by XXXX in XX/XX/XXXX and they said nothing will change about the plan. They were a lot of changes though. I then started receiving emails from SST demanding I pay them for the remaining of my XXXX XXXX XXXXXXXX XXXX I was initially hesitant from the reviews of the company to pay them at first. I ended up making payments to them and my online account with them did not update or show my savings portion of the loan. This seem like a scam so I stopped making payments for a little bit because I was scared that it was a scam as I have read many reviews about SST. However, on XX/XX/XXXX I called SST and made my payment if full. I paid {$2900.00} as requested for my pay off amount to the customer service rep over the phone. The payment was completed. Now, they are supposed to return {$2500.00} to me after I paid it off because that would equal the {$4000.00} total I was supposed to be given. I have yet to receive the {$2500.00} and the customer service reps I spoke to said it's being investigated and someone would call me. I have yet to receive any phone calls and I am out {$2500.00} that is owed to me. In addition, they reported to the credit bureaus that my account was charged off and that I still owe them {$2900.00} which is inaccurate. However, my account is paid in full and I have all the proof, which I sent SST via email. Also, SST is affiliated with XXXX XXXX XXXX, who I made my final payment to per my bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I purchased a patio set in XXXX of 2023. I was not happy with the quality of the furniture and returned it to Wayfair via the return instructions I was given by them. The total amount paid was XXXX plus the insurance on the purchase. I spoke to " XXXX '' from Wayfair, on XX/XX/2023, who advised me I was to send it back via XXXX XXXX  and I would be reimbursed for the full amount to include the purchase plus the insurance that I paid. 

I then received a billing statement in XXXX stating that owed that money and I had already sent the entire purchase back to them and provided them with the tracking information, which is Tracking Number XXXX, delivered on XX/XX/2023 and signed for by Wayfair. I called them again and they confirmed the receipt of the merchandise that I should not have been charged, that they would fix it, and that it would show up as a {$0.00} balance on my next statement. The confirmation number I was given for that conversation was XXXX and I spoke with " XXXX ''. 

I have now received my XXXX statement stating that my balance is now overdue, and I could be reported to a credit agency. I have attempted to rectify this situation with Wayfair multiple times with multiple employees and I have been unsuccessful. I am now being charged for merchandise I sent back according to their instructions, merchandise they confirmed receiving in new condition for which I have a XXXX  XXXX XXXX number and proof of signature of receipt. I am now being threatened with credit agency reporting.

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 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was made XXXX  on my Fiance account - I verified everything with BOA including the copies of the will. 
They will not release the funds in accordance with NJ state law & are freezing the account because of an outside influance that has made untrue alligations. 
I provided them with all of the information required & I was assured by XXXX bank managers that the funds would be released- I am now 60 days and had to hire legal counsel.

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 2023-07-21 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: PA

Complaint narrative:
I originally sent a complaint about non accurate reporting on my XXXX XXXX XXXX XXXX  account it has not been properly reported by the major credit bureaus under The Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) please update account with 100 % accurate information under the FCRA this is having a very negative impact on my credit. 


XXXX, XXXX XXXX, Equifax I am Writing this letter in regard to some of the deficiency 's in my credit report. A credit report should have 100 % correct information and reporting and not be misleading to potential creditors. Some of these items in regards to my XXXX XXXX XXXX XXXX  account listed on my credit report as ( XXXX ) are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated. All monthly payments should be reported on time. Late Payments From XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX  XXXX Should be updated as Paid on time. In XXXX XXXX  XXXX 2 Bureaus are reporting 30 Days Late the other is reporting on time this is not 100 % accurate. XXXX XXXX  XXXX 2 credit Bureaus are listing Late the other listed on time this also is not 100 % Accurate and needs to be updated to a on time paid status. Finally XX/XX/XXXX 2 agency 's have not reported and one shows 30 days late again this is in accurate information. Attached is my credit report from all 3 major Bureaus. Also the open date is not reported accurately 2 bureaus show an open date of XX/XX/XXXX and the other is reporting XX/XX/XXXX this as well is not 100 % accurate. In total With deficiency in the open date, Last Payment, Payment History, Original Payment and Monthly Updates there are 7 violations and misleading information that needs to be updated and corrected in total there is a max of XXXX in violations under the ( FCRA ). Under the FCRA if there is not 100 % correct information this information needs to be removed and updated 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: TX

Complaint narrative:
Mediation Recovery Center Inc. called me on XXXX/XXXX/XXXX  and told me they were collecting a debt in the amount of {$3100.00}. They told be I had to pay or have a mark on my credit report. I was surprised because this was the first time hearing of this.They offered me a discounted rate and rushed me to pay it. No documents were signed or formally used. They told me the debt they are collecting on is for a XXXX  5 years ago from a company that supposedly no longer exists. I had made at least 5 attempts through email and phone call to contact the supervisor but he will not return my calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 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: WI

Complaint narrative:
I am currently a operating member of a LLC listed as personal guarantor for a XXXX  XXXX XXXX auto loan. The loan is listed as a personal joint loan on my personal credit file. I contacted XXXX twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all 3 ) tell me the listing on my report is correct and that I need to work with XXXX to rectify. I am not sure who should own this but its affecting my personal credit standing due to this auto loan.

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 2023-07-21 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: WI

Complaint narrative:
I am currently a operating member of a LLC listed as personal guarantor for a XXXX  XXXX XXXX auto loan. The loan is listed as a personal joint loan on my personal credit file. I contacted XXXX twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all 3 ) tell me the listing on my report is correct and that I need to work with XXXX to rectify. I am not sure who should own this but its affecting my personal credit standing due to this auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am currently a operating member of a LLC listed as personal guarantor for a XXXX  XXXX XXXX auto loan. The loan is listed as a personal joint loan on my personal credit file. I contacted XXXX twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all 3 ) tell me the listing on my report is correct and that I need to work with XXXX to rectify. I am not sure who should own this but its affecting my personal credit standing due to this auto loan.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: Chime Financial Inc
State: OH

Complaint narrative:
on XX/XX/2023 about XXXX the first transaction of XXXX was taking then again at XXXX XXXX was taking i called into chime thinking i had the correct customer service number that i received off XXXX  for support on my chime credit builder card do to not being able to access funds and use my card when calling the number i received i was direction that they were verifying my account and that i needed to downloaded a app called XXXX XXXX once i downloaded the app i seen them as they was moving my funds around on the chime app from one account to another untill they did something to where the sent my money out my account to someone account as soon as i realize what was going on i contacted chime and explain to them the situation put in a dispute and less then 24hr my dispute was denied through chime

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services
State: MD

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 
15USC 1681 Section 602 states that I have the right to privacy.

15USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

16 U.S. Code 1681a- Definitions, rules of construction Exclusion-Except as provided in paragraph the them " consumer report '' does not include-any report containing information solely as to transactions or experience between the consumer and the person making the report.

15USC 166B : A Creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I never received a DUNNING LETTER from XXXX affording me the opportunity to dispute, settle, discuss or anything prior to getting a summons, this is a direct violation of the FDCPA ( FAIR DEBT COLLECTIONS PRACTICE ACT ) Also, The summons was not given directly to me but instead, it was given to a XXXX  that is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX  because he is not mature enough to understand the ramifications of this process and he is thinking that you can possibly face jail time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
I have proof that the servicer committed forgery and signed without proper power of attorney, stole my identity and faked an address to file a real estate transfer tax document stating I was the seller receiving {$470000.00} in consideration for a transaction that was presented as a foreclosure auction but appears to be staged to commit tax evasion. 

This appears to be an attempt to pass the tax gain off to file a requisite 1099a form by this debt collector and foreclosing law firms engagement and activities in the recording of documents and material nondisclosure. 

A rescission under TILA was completed on XX/XX/2022 and the lender/servicer was supposed to return the proceeds in 20 days pursuant to the law and this was not done. These entities proceeded to move forward with a nonjudicial foreclosure by signing as Attorney in Fact without authority and with several notices. 

Fraud reports were filed with XXXX and the XXXX XXXX Sheriff Department but the entities continued with the foreclosure auction. The foreclosure was recorded under a Deed under Power signed after a Special Warranty Deed was signed as further evidence of the gross negligence of the transaction. It is believed that the real estate transfer tax document that is filed as XXXX XXXX XXXX was and is being used to conduct a disguised sale and constructive liquidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
I was approved for the XXXX XXXX XXXX XXXX XXXX for my property. I had submitted the letter displaying the exemption to Lakeview Loans Subserviced by XXXX XXXX. Lakeview Loans told me that they couldn't verify my exemption even though i had sent the actual property tax bill displaying the exemption. They also informed me that they check the county tax website and it displayed nothing. They kept telling me that they need more written correspondance. When i contacted the local tax office they told me that they don't put exemption information on their website and that they don't issue award letters concerning tax exemptions, they only put the exemption amount on the property tax letter. The last step i took was, I had informed Lakeview Loans that they can call my local tax office to verify the information because they won't be able to verify anything via the county website. I have both the letter from the Department of Veteran Affairs verifying that im eligible for property tax relief and i have the actual letter from the county tax office showing my exemption so im not sure why Lakeview Loans is still rejecting it.

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