vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX account The late payment being reported are in violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1666b - Timing of payments The timing of required information is from this company is not received within 21 days.

Per Experian credit bureau By definition an open end consumer credit plan is XX/XX/2022 Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.

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 2024-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA

Complaint narrative:
On XXXX I caller my Mortage lender LakeView Mortage and requested that they stop PMI payments since the loan at 64 % paid off. They informed me that they couldn't cancel and they wouldn't for the life of the 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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive been disputing a student loan that has been off my credit report for XXXX recently appeared affecting my credit score tremendously. I finally called XXXX XXXX  they acknowledged mistake and sent letters out to all XXXX Bureaus XX/XX/2024 to have removed. Equifax and XXXX took it off but dropped my credit score almost XXXX! I had XXXX XXXX XXXX XXXX XXXX XXXX i paid off and the other I applied XXXX to the other with an arrangement of {$150.00} mthly ( not reporting ). They took Almost XXXX point off my score because of this debt originally. Ive paid off XXXX and they gave me only XXXX. XX/XX/2024 my credit score was XXXX XX/XX/2024 it drops almost XXXX. This is not right! This is a noticeable trend amongst XXXX XXXX  and its unfair and unjust! I want to file lawsuit for false reporting and intentionally using their position to enable me a fair life!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I took out a loan and fell on hard times about XXXX years ago. About 6 months ago I got a letter taped to the front of my mailbox with Lawsuit written on the front. It was for all my neighbors and family to see. ( I have witnesses ) Inside wasnt a lawsuit or court papers. It was a letter from Tower loan about my debt. The XXXX XXXX even signed it himself. Just got the same letter today but it was officially sent this time. Same signature and paper so it proves it was posted on my mailbox by him. 
Ive saved both the officially sent mail and unofficial one as proof. This tactic upset, embarrassed, and scared me so Ive just been waiting for them to serve me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AR

Complaint narrative:
Someone pretending to be a chime agent and remotely access my account and took XXXX dollars it was my XXXX check I tried contacting them and they refused to refund my money on XX/XX/24

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: CA

Complaint narrative:
This account was charged off as a collection on the following date XX/XX/XXXX of XXXX but on my report its stating XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with TRANSUNION and its not reporting much information with XXXX. Also all 3 accounts are stating a balance of {$100.00} as if the account its open when the balance should be XXXX since its already being reported as a collection which is also inaccurate and a violation According to Cushman v Transunion 1997, XXXX, XXXX, & TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX TRANSUNION Account Name : XXXX XXXX Account Number : 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 2024-03-22 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: CA

Complaint narrative:
This account was charged off as a collection on the following date XX/XX/XXXX of XXXX but on my report its stating XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with XXXX and its not reporting much information with EQUIFAX. Also all 3 accounts are stating a balance of {$100.00} as if the account its open when the balance should be XXXX since its already being reported as a collection which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, & XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX EXQUIFAX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Our Mortgage is owned by Truist Bank and insurance company was XXXX XXXX, starting for an insurance claim after our house was destroyed by a burst water pipe while on vacation XX/XX/XXXX. 

Weve been constantly referred to XXXX dozens of times per call. However when we ordered our next needed inspection on XX/XX/XXXX weve been given countless promises of phone calls and information about when the inspection will take place, all of these promises have been broken. 

This inspection is to get the rest of the money to pay the contractor to finish the rebuild project on our home. 

Weve acted in good faith, and given them everything they need in a timely manner in all things during this yet we keep being ignored and lied to. I can no longer afford them patience because if XXXX XXXX behavior up to this point is any tell, then my family could face being homeless if the building project is not finished in XXXX months. 

When I originally ordered the inspection it was XXXX months of time remaining and that was already cutting it close to the wire. Bureaucracy has promised many times and broken every promise of phone calls and inspections. 

This must happen now.

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 2024-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
Put in several disputes. Call the company and the debt is owed to a company that no longer exists. XXXX closed XXXX of XXXX. This third-party collection company has a date of XX/XX/XXXX. They refused to put a human on the phone and have not sent any of the paperwork that I requested. The company is called Jefferson Capitol. This had been removed last year from my XXXX XXXX credit report. It now seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been 3 months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.

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 2024-03-22 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: SIMM Associates, Inc.
State: FL

Complaint narrative:
Received letter from SIMM Associates stating I owe a trust XXXX that I have never heard of. I believe they have the wrong person. So I sent letter on XX/XX/2024, requesting additional information. A date of service for services rendered or a date with copy of contract signed. Received no response as XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I have sent may letters to Spring Oak Capital requesting them to verity this account. This account is unfamiliar to me. Spring Oak Capital has not sent me any information to verify that this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Syst, XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX. 
Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( XXXX ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting an account that was deleted by the creditor and Experian is still reporting it on my consumer report the account is XXXX XXXX XXXX This communication is from XXXX XXXX ( XXXX  ), a debt collector, and is in response to a complaint we received from the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, case # XXXX. We take all complaints seriously and evaluate each one on a case-by-case basis. This response was submitted to the CFPB on XX/XX/XXXX. XXXX received your account ( XXXX ) for medical services provided by our client XXXX  XXXX XXXX XXXX on XX/XX/XXXX. The date of service was XX/XX/XXXX. This account represents the unpaid portion of the XXXX XXXX XXXX  charges for medical care provided in the XXXX XXXX XXXX XXXX XXXX XXXX Our initial letter, containing legally required disclosures, was mailed to you on XX/XX/XXXX, with no mail return. A second notice informing you the account was still placed in collections was mailed to you on XX/XX/XXXX, with no mail return. Upon receiving your complaint, we conducted an investigation of your account. Our clients records show that your insurance XXXX XXXX XXXX was billed. Your insurance company denied the claim, stating that services were not covered by your plan. Therefore, the balance is patient responsibility. We, along with our client, show no record of receiving any payments from you. Our investigation has confirmed the accuracy of our records. However, due to the age of your account, we have decided to remove the account from credit reporting. We have processed a manual credit deletion. Please note that we have no control over the amount of time it will take the independent credit reporting agencies to update your report. If you need further assistance, we are available XXXX XXXX  from XXXX XXXX  to XXXX XXXX  XXXX. Any of our representatives may assist you. You can also pay by phone by calling ( 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 non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
At XXXX CST I initiated a wire via ally bank for {$110000.00}. Their website says if its confirmed by XXXX est it can deliver same day. I confirmed with customer service after waiting on hold for an hour that at XXXXXXXX XXXX cst it was approved and they had what they needed. 

Now at XXXX est the wire is showing returned back to me, no explanation, and they subtracted XXXX XXXX This company is unethical

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX acct # XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX acct # XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX acct # XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX, Transunion, and XXXX. I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX acct # XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX XXXX acct # XXXX violated the terms and conditions within their banking agreement, because XXXX XXXX XXXX acct # XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within XXXX hours. I will file a SEC complaint. I will be forced to get an audit report done on my auto loan if this account is not removed and under law this is a charge off account and charge offs is considered income and income can not be listed on any credit reporting agencies.

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 2024-03-22 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: TX

Complaint narrative:
Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX acct # XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX acct # XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX acct # XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX, XXXX, and Equifax. I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX acct # XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX XXXX acct # XXXX violated the terms and conditions within their banking agreement, because XXXX XXXX XXXX acct # XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within XXXX hours. I will file a SEC complaint. I will be forced to get an audit report done on my auto loan if this account is not removed and under law this is a charge off account and charge offs is considered income and income can not be listed on any credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Funds Deposited in my account on XX/XX/2023 and on XX/XX/2023. 
I made funds transfers on XX/XX/2023 and two ( 2 ) on XX/XX/2023. 

I added a backup email to my account along with a back up telephone number. 

3 days later my account was blocked, I spoke with several account representatives to rectify the, issue. on XX/XX/2023 spoke with a account representative and was told I could go into a branch to prove my identity because I could not log in. XX/XX/2023 I went into the bank and presented my ID and was told the issue would be fixed. Problem still persisted although I can now log in but I can not complete any transactions.

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