vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any ev
idence. 15 USC 1681.

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 2021-12-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I just opened a checking and a savings account on XX/XX/XXXX, XXXX my daughter who just turned XXXX. On XX/XX/2021 when she tried to access her account, she realized both accounts have been blocked. We called the customer service line and was told her account had been submitted for closure. When we tried to ask why, they hang up the phone. We went into the branch and tried to get answers but to no avail.

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 2021-12-29 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: CBC Companies, Inc.
State: SC

Complaint narrative:
XX/XX/2021, Innovis is reporting a XXXX XXXX XXXX  account which is a Charge off account. After filing a charge off during tax season XXXX XXXXXXXX XXXX is required by law to list a charge off as a XXXX  balance. This is inaccurate reporting by XXXX XXXX XXXX and must be DELETED due to inaccurate reporting to any consumer credit agency. I have attached a copy of my Innovis consumer credit report as proof that XXXX XXXX XXXX is reporting a charge off account with a balance of {$990.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: West Central Texas Collection Bureau
State: TX

Complaint narrative:
I got a notification regarding a debt collection on my credit that I owe {$30.00} from XXXX XXXX of XXXX, I never went to the facility, I never get any service at all! I called XXXX to dispute the collection and the report results that the account was under a DIFFERENT NAME with MY SOCIAL SECURITY NUMBER and MY DATE OF BIRTH. I called XXXX XXXX of XXXX and they confiremed that I wasn't in their system at all because I never went there in the first place. I don't know how they got my SSN and DOB under a DIFFERENT NAME. It is concerning!

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 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
For the past year I'm asking Tranusion and XXXX to VALIDATE the " Alleged LAte Payment '' on my account but they never investigated it. Account show as " verified '' since XX/XX/2020 but it's not ACCURATE and there's another error in the PAYMENT HISTORY that was never VALIDATED VERIFIED or INVESTIGATED and it hurts my SCORE and rEPORT. 
I've sent at least 12 letters with my personal identifiers since XX/XX/2020 and never got a letter back for the bureaus with results, or the creditor about the account. 
Also Have a PAID COLLECTION on XXXX that still reports BALANCE!!!

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 2021-12-29 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: NY

Complaint narrative:
For the past year I'm asking XXXX  and XXXX to VALIDATE the " Alleged LAte Payment '' on my account but they never investigated it. Account show as " verified '' since XX/XX/2020 but it's not ACCURATE and there's another error in the PAYMENT HISTORY that was never VALIDATED VERIFIED or INVESTIGATED and it hurts my SCORE and rEPORT. 
I've sent at least 12 letters with my personal identifiers since XX/XX/2020 and never got a letter back for the bureaus with results, or the creditor about the account. 
Also Have a PAID COLLECTION on EQUIFAX that still reports BALANCE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the evening of XX/XX/XXXX, I received multiple XXXX # calls that I declined. I was left a voicemail stating that it was Chase Business Fraud dept. while listening to voicemail, the number called again so I switched over. The person said he was a Chase representative, and did I authorize a XXXX transfer to a XXXX XXXX, I stated that I did not. He then stated that we need to do a XXXX reversal. He said he needed to verify my identity, at which time, I told him that I needed to verify his identity first since he called me. He said he understoon, and that I could look at the back of my Chase Business Debit card, and the number on the back would match the number he was calling from. I verified that was accurate. He then gave me my husband 's last 4 numbers of his telephone but he wanted to verify his last 4 of SS #. I gave him the wrong number, he stated that did not match what he had... I told him I was still nervous so I gave him wrong one on purpose. He then was able to give me my husband 's information. He then said he needed me to login to my mobile banking, then go to XXXX. He told me to put MY information in there... telephone number, name, and that it was a reversal. I could only do it in {$5000.00} increments daily but the total of the withdrawal was {$25000.00}. The person proceeded to call me the next day to do the next reversal... I informed him that my Chase acct was locked. He then said he needed to get with his back office to unlock that, and put me on hold. When he came back to the phone, he asked me to try it, and it was unlocked. I realized it was fraud on Sun XX/XX/XXXX. I was at the local Chase branch, as soon as they opened on XX/XX/XXXX. The local branch called their claims/fraud dept. to start a claim. The local branch representative felt confident that I would get my money back but when the fraud dept came back on the phone, they told her that they will not cover a scam and didn't consider it fraud. I have since learned of this happening on numerous occasions, and one particular case Chase did end up refunding the money to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXBalance {$0.00} XXXXBalance {$0.00} XXXX XXXX-Balance {$10000.00}

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 2021-12-29 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
My monthly installments were paid before being turned over to collections. I also paid an extra future installment payment and ally financial agrees with me that my payments are up to date plus one month ahead of the billing statement.

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 2021-12-29 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: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
Lakeview Loan Care has put a 30 day delinquency on my impeccable credit report because of their mistake and the previous loan companys ( XXXXXXXX XXXX ) mistake. 
The loan was scheduled to transfer on XX/XX/XXXX from XXXX to Lakeview however the loan did not transfer as anticipated. The delay in the transfer of the mortgage was caused due to a disconnect within the internal process at XXXX. On XX/XX/XXXX, XXXX automatically drafted {$560.00} first before Lakeview could draft the mortgage payment. The loan servicing transfer was not completed until XX/XX/XXXX and a bulk check was issued to Lakeview which included my XXXX payment. 
Lakeview is putting a delinquency on my credit for a late payment for XXXX and XXXX, when in reality the loan wasnt even transferred until XX/XX/XXXX. 
That means that I was still protected under RESPA and Lakeview has no right to put a delinquency on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Earlier this year my loan had gone through a loan modification through Loan Care. I have always made my payments on time, but by XXXX 2021, I started to receive automated and live phone calls from Loan Care . While some of the representatives were respectful and " pretended '' to be helpful, there were several that were not. Each call inquired as to why I had not made a payment and the ones that were disrespectful, were demanding and belittling. Each individual I would have to explain I had made every payment on time, but for some unknown reason Loan Care was moving my payments to another account, which made it appear as if I had not paid my mortgage. They would check and discover what I was saying was the truth. Each representative/supervisor/manager/ would add a note and advise " you will not receive any more phone calls. '' However, the phone calls continues and by XXXX I had spoken with Loan Care representative over 20 times, from their Collections, General Representatives, and Mitigation department, spending over 30 hours on the phone. This is not including their automated phone calls, with an approximate number of an additional 30 phone calls. 

Also in XXXX I received paperwork in the mail, from Loan Care, that I needed to make a payment or my property would be foreclosed. I again spoke with another representative who was finally able to correct Loan Care 's mistake and moved my money to the correct account. I had enough money, that I was one month ahead of payment and still had nearly {$700.00} credit on my account. 

However, this did not stop the phone calls, since XX/XX/2021 to XX/XX/2021, I have received an additional 30+ phone calls. Every time I received a live phone call ( where I am speaking with a representative ), I have to tell them to review their notes and ask why they are calling me. Each time they apologize and advise they are from the Collections Department from Loan Care. They each advise they have added a note to my account and I " should '' not receive any further calls... .which is untrue. Today specifically I have received 4 automated phone calls and one live phone call, where the representative called me to tell me his computer is not working and placed me on hold for nearly 10 minutes. I had to ask him several times why he was calling and he would just advise his computer was not working, but to " hold. '' After 10 minutes, he told me to call him back " when my computer is working. '' I advised him I would not call him back, as I am tired of the harassing phone calls and mail.

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