vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 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: Chime Financial Inc
State: WI

Complaint narrative:
A credit report agency XXXX report wrong information on my credit report, from my account bank account named Chime. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information CHIME-XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
This agency has placed a collections on my credit report and I have no knowledge of this collection. I have not gotten any written notices which means I have not been giving my lawful right to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: OH

Complaint narrative:
The following is a list of disputes on my report that was ot resolved as per the FCRA. 
1. XXXX. XXXX XXXX XXXX - Account number # # # # # # XXXX Reason # 1 : Date of first deliquency is inaccurate.

Reason # 2 : The account is not mines and is considered FRAUD 3. XXXX XXXX - Account number XXXX Reason # 1 : Date last active is incorrect, shows no date, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Loan type is listed on my account. Cellular services aren't lenders, so how is this accurate? 
Reason 3 # : the previous disputed listed the account marked as a collection on XX/XX/XXXX, but the updated dispute list the account marked as collection on XX/XX/XXXX. Both errors violate FCRA and needs to be removed. 
4. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. Reason # 2 : the account is be reported as " charge off '' on XX/XX/XXXX. How is an account that was paid off before XX/XX/XXXX considered a " charge off ''? 
5. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. Reason # 2 : Recent payments is marked as " {$0.00} '' would is accurate if I have been making my monthyl payment of {$410.00}. 
6. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type shows " charge card '' when ti should be " credit card ''. This error has been ongoing for 4 years. 
7. XXXX XXXX - xxxxxxxxxxxx XXXX Reason # 1 : Account status is reporting as charge off.

Reason # 2 : Date reported is inaccurate.

Reason # 3 : This account does not report on XXXX or XXXX, which leads me to believe this is completely inaccurate due to lack of consistency among the CRA. 

Typiclly, I try and handle things with the CRA themselves, but XXXX has been difficult and given me a difficult time regarding these errors. Accounts needs to be delted for continuous inaccurate reporting. I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUOFF MORTGAGE
State: IN

Complaint narrative:
XX/XX/XXXX purchased a home with ruoff mortgage threw XXXX XXXX XXXX of XXXX XXXX indiana XXXX as in doing so was not explained about taking over a indebtness of XXXX and later told bye XXXX XXXX title company in XXXX XXXX indiana XXXX that ipurchased the house for XXXX and my loan was for XXXX so my question is where the rest of the cash and then also never got a updated property survay as stated in the loan XXXX dollers a day that not placed in my hand still hasent bee and company XXXX XXXX XXXX of XXXX  XXXX indiana stated that i need to get the land resurveyed since it hasent been since XXXX and they didnt know who and what land has been purchased. Also my concerns is ease ments of the property that have been covered but not listed as utlity having encumbrance to exsisting alley that is covered and much more then freedom mortgage purchased my loan from ruoff right away and there so much wrong with it and has taken toll on my life time and job and family and more looking for the most help i can get and for all the struggle emotionally and more for all this has created.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing this complaint and I have written the letters, not someone else or some other organization. I have been sure to keep GREAT records and a paper trail to use in court, according to the FCRA, to collect damages for violations in the event this account is not deleted and removed from my credit report and credit file. 

I have asked Experian and XXXX for more information on an account they refuse to do a reasonable investigation on. I believe they are using e-Oscar or some automated process that spits out generic information hoping most consumers take their word instead of them doing an actual investigation and presenting evidence and facts. They are violating my consumer rights, state laws, and federal laws such as 15 USC 1681, or the Fair Credit Reporting Act ( FCRA ). I have asked for a method of verification letter to see who could possible verify this account and I have gotten nothing in MONTHS. The most recent letter has also gone unresponsive and well over 30 days. This account needs to be deleted and removed from my credit file and credit report immediately! 

XXXX has responded with a deletion of this account after doing a reasonable investigation. I have also included their deletion letter in this complaint. As I stated in the beginning of the letter, I have kept a great paper trail while disputing this account with them.

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 2021-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I am one of thousands of lessees of Ford and Lincoln vehicles throughout the United States.

Briefly, I believe that the Ford Motor Company, in concert with its Dealers, is engaging in widespread anti-competitive practices to the detriment of the public, generally, and its lessees and their prospective transferees, particularly.

Many states ( such as California ) exempt a customer who purchases their leased vehicle for resale from the imposition of sales tax. In many states, such a transaction is presumed to be a purchase for resale if the vehicle is sold to a third party within ten days of the lessee/purchaser receiving title.

The standard Ford Motor Company Red Carpet Lease agreement permits the lessee to purchase the vehicle or return it ( albeit with the requirement that the lessee complete the paperwork at an authorized Ford/Lincoln Dealer ). There is no restriction on the lessee selling the purchased vehicle to any third party ( including another dealer or wholesaler ).

Nevertheless, the Ford Motor Company will not allow the lessee to complete the purchase without the imposition of thousands of dollars in sales tax, thereby restricting the marketability of the vehicle and favoring the option of returning the vehicle to their Dealers free of the added burden of sales tax.

In addition, the Ford Motor Company will not permit the lessee to assign the lease to any third party.

The lessee is deprived of potential profit even beyond the sales tax in that Ford Motor Company will not cooperate with potential acquirers of leased vehicles including, XXXX, XXXX, XXXX, and many others. 
Your investigation of this situation is necessary to stop this consumer abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I purchased a vehicle and got a loan for that vehicle, all of the credit inquiries for the loan are there and complete However there is a credit inquiry from a different company now on my credit report that i did not attempt to get credit from, i did not attempt to get a loan anywhere else.

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 2021-09-19 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: WA

Complaint narrative:
This account is showing on my 3 credit reports agencies XXXX, TransUnion and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX to please provide proof of me giving then my signature for this Unsecured Loan. My request is for Transunion to delete this account one and for all from my credit report. XXXX # XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2021 Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : {$40000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$750.00}

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 explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
After sending multiple letters to Midland Credit as well as an validation of debt letter and a cease and desist regarding an alleged debt. I received what appears to bank statements as proof of verification that the so-called alleged debt is indeed mine. But it is not mine XXXX XXXX ' debt I never signed a contract nor gave my social security number to Midland Credit Management nor XXXX the so-called original creditor. Pursuant to 15 USC 1602 ( e ) " person '' refers to a natural person. Also pursuant to 15 USC 1692a ( 4 ) a Creditor refers to any " person '' who created the alleged debt. Therefore you are attempting to state I, XXXX XXXX, the natural person created the alleged debt but I did not. You said the last four of my social security number was used to open the account but I never used the last four of my social security or signed a contract with you and XXXX to open this account. Pursuant to 15 USC 1692g only I the alleged creditor/natural person can verify this alleged debt and only you the debt collector can " ASSUME '' the debt is valid. An assumption is not fact and which is why pursuant to 15 USC 1692g ( c ) it also states the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I'm not liable for this alleged debt that is not mine and in no way can you nor a court interpret otherwise, not even if I did not exercise my right to attempt to validate beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: VA

Complaint narrative:
I am writing this complaint and I have written the letters, not someone else or some other organization. I have been sure to keep GREAT records and a paper trail to use in court, according to the FCRA, to collect damages for violations in the event this account is not deleted and removed from my credit report and credit file. 

I have asked XXXX and Equifax for more information on an account they refuse to do a reasonable investigation on. I believe they are using e-Oscar or some automated process that spits out generic information hoping most consumers take their word instead of them doing an actual investigation and presenting evidence and facts. They are violating my consumer rights, state laws, and federal laws such as 15 USC 1681, or the Fair Credit Reporting Act ( FCRA ). I have asked for a method of verification letter to see who could possible verify this account and I have gotten nothing in MONTHS. The most recent letter has also gone unresponsive and well over 30 days. This account needs to be deleted and removed from my credit file and credit report immediately! 

XXXX has responded with a deletion of this account after doing a reasonable investigation. I have also included their deletion letter in this complaint. As I stated in the beginning of the letter, I have kept a great paper trail while disputing this account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: Self Financial Inc.
State: IN

Complaint narrative:
Self Lender is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
Hello, I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed 2 specific payments that are not counting towards by Public Service Loan Forgiveness programs for loan # 3. I contacted FedLoan Servicing initially through XXXX on XXXX to dispute this. I received a call two days later to review my concerns. I spoke with XXXX who assured me she was my point of contact until this was completed ( XXXX ). XXXX indicated when my loans were originally through XXXX, when I paid my loans as a lump sum, XXXX improperly allocated my payment to this loan, two months in a row, making me short {$.00}. She indicated I would need to provide bank statements to show I paid the entire amount of the loan, and that this was an error on XXXX part, improperly allocating my payment. I have called on XX/XX/XXXX and XX/XX/XXXX to follow up with this concern as I have bank statements to get these months counted towards PSLF. ( And they should have because I have auto debited my loans for the entire duration I was paying them. ) As of today, XX/XX/XXXX, FedLoan Servicing has yet to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I submitted an extra, one time payment of XXXX dollars to my loan principle. Instead of applying to the principle, my lender ( Caliber Home Loans ) withheld the amount to apply to my reoccurring monthly payments and pushed the due date of my next payment significantly to the right. I assume this is a fraudulent attempt by the lender to collect more interest with the assumption that the home owner will fail to catch the issue, but I am unsure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: PA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This account is showing on my 3 credit reports agencies Experian, XXXX and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX to please provide proof of me giving then my signature for this Unsecured Loan. My request is for XXXX to delete this account one and for all from my credit report. XXXX # XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2021 Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : {$40000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$750.00}

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 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: NC

Complaint narrative:
I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that XXXX XXXX XXXX remove a disputed and erroneous account in my name from collections that was paid in full and eliminate the balance and remove all negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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:
A credit report agency Transunion report wrong information on my credit report, from my account bank account named XXXX. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit 0 Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : 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 2021-09-19 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:
A credit report agency XXXX report wrong information on my credit report, from my account bank account named XXXX. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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:
A credit report agency XXXX report wrong information on my credit report, from my account bank account named XXXX. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : 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