vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: CO

Complaint narrative:
Re : Dispute of Account Information - XXXX XXXX, Account Number : XXXX Dear CONSUMER FINANCIAL PROTECTION BUREAU XXXX I am writing to formally dispute the information on my credit report regarding the XXXX XXXX  account, Account Number : XXXX. After reviewing my credit reports from TransUnion and XXXX, I have identified several discrepancies that require your urgent attention. 

XXXX. **Account Type Discrepancy : ** - TransUnion XXXX the account as a " Flexible spending credit card. '' - XXXX reports the account as a " Credit Card. '' This inconsistency raises concerns about the accuracy of the information reported by XXXX XXXX, and it is crucial to clarify the correct account type. 

XXXX. **Date Opened Discrepancy : ** - TransUnion XXXX the date opened as XX/XX/XXXX. 
- XXXX reports the date opened as XX/XX/XXXX. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened indicate a lack of uniformity in reporting, which is essential for maintaining the integrity of credit reports. 

XXXX. **Payment Status Discrepancy : ** - TransUnion XXXX the account as " Late 120 Days. '' - XXXX reports the account as " Late 150 Days. '' XXXXTHE ACCOUTN IS MISSING FROM THE XXXX REPORT The differing late payment statuses on the same account for both credit bureaus create confusion and could have a significant impact on my XXXX XXXX. 

XXXX. **Date of Last Activity Discrepancy : ** - TransUnion reports the date of last activity as XX/XX/XXXX. 
- XXXX reports the date of last activity as XX/XX/XXXX. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The inconsistency in the reported date of the last activity on the account further raises questions about the accuracy of the information. 

Considering these discrepancies, I request a thorough investigation into the accuracy of the XXXX XXXX  account information. I kindly ask that you update or delete the information form TransUnion accordingly. 

I appreciate your prompt attention to this matter and look forward to receiving an update on the investigation within the required time frame. 

Sincerely,

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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I submitted XXXX separate payments via check to my Barclay Old Navy Card and Barclay MasterCard in XX/XX/2022. Those checks were IMMEDIATELY cashed by Barclay, but never deposited. I have been fighting with them tirelessly and sending copies of the cashed checks for 16 months as proof that these payments were made, meanwhile still paying on both of these cards. Nearly 16 months and they just did not care that the checks were cashed and never applied. I have spent hundreds of hours on the phone with their customer service and typing out messages and I have gotten absolutely nowhere. 

After nearly XXXX months of waiting, the payments were applied but incorrectly. Barclay applied BOTH payments to my Old Navy Account, despite them both being labeled with account numbers and account names. So again, I resolved to contact Barclay to fix the issue, apply the payments correctly, and refund me all interest that has been collected on the XXXX account since the day they received payment. They have talked me in circles and refuse to fix this mess. They will not apply the payment correctly and they will not refund me the interest that we have paid. 

We are an active-duty military family with SCRA protection on our accounts ( that they have also failed to apply to the XXXX account ), and this has been the most frustrating experience I have ever had. PLEASE if you can help them apply the payment correctly ( from the Old Navy account TO the XXXX account ) and also refund the interest and overpayments on the XXXX account, I would appreciate it greatly.

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 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX  from XXXX XXXX  in XXXX NJ. I paid in full, a check for {$25000.00} on XX/XX/XXXX. I started receiving emails from Westlake Financial Services that I owed {$420.00} a month for a loan I didnt sign for. They sent me a contract with an electronic signature that I did not sign. They reported me to XXXX that I have a loan with them. I have called them numerous times to no avail, I spoke with XXXX XXXX, the manager of XXXXXXXX XXXX he told me it happened to another customer that paid cash. He told me he would have it removed. He didnt.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have recently reviewed my credit reports from TransUnion, XXXX, and XXXX and have identified numerous inaccuracies that require immediate rectification. These inaccuracies include but are not limited to : Incorrect account information, such as accounts that have been inaccurately reported. 
Outdated or obsolete information that should have been removed from my credit reports. 
Inaccurate payment history and account statuses that do not reflect my actual financial history. 

I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e and 1681i, which require credit reporting agencies to maintain accurate and up-to-date information and provide procedures for consumers to dispute inaccuracies in their credit reports. According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation into a consumer 's dispute within 30 days of receiving the dispute notice.

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 2024-03-05 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: IL

Complaint narrative:
I have recently reviewed my credit reports from XXXX, Equifax, and XXXX and have identified numerous inaccuracies that require immediate rectification. These inaccuracies include but are not limited to : Incorrect account information, such as accounts that have been inaccurately reported. 
Outdated or obsolete information that should have been removed from my credit reports. 
Inaccurate payment history and account statuses that do not reflect my actual financial history. 

I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e and 1681i, which require credit reporting agencies to maintain accurate and up-to-date information and provide procedures for consumers to dispute inaccuracies in their credit reports. According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation into a consumer 's dispute within 30 days of receiving the dispute notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Accscient, LLC
State: GA

Complaint narrative:
NATIONWIDE RECOVERY SERVICE , INC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA. 

Nationwide Recovery Service , Inc . 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2024 NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You have fraudulently accessed my personal information that I did not give consent for you to have. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete this request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ). 
In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I recently opened a Credit card account with Capital one, they have a XXXX XXXX program on their website. I noticed that the amount of loans or debt i have in the XXXX XXXX was completely wrong. I currently only have XXXX in student loan debt it is showing XXXX? This is totally wrongId love to fix that if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
My name is XXXX XXXX, I am issuing a complaint against Cross Country Mortgage. On XXXX XXXX, I received an approval letter for a Loan amount of {$140000.00} with a purchase amount of up to {$150000.00}, with a Down Payment of 3.5 %. I told XXXX XXXX, the loan officer I was working with that I did not have the funds to pay the down payment up front. He told me that since I am a first-time home buyer I am eligible for the {$15000.00} NC down payment assistance. I was told the only two things I needed to do were to pay down my credit card from {$1900.00} to {$1300.00} to raise my credit score to XXXX, and to pay {$35.00} to take the online course to become eligible for down payment assistance ( which would be refunded at closing ). I not only paid my credit card down, but I also ended up paying {$99.00}, instead of the {$35.00} I was told, for the course to become eligible for the {$15000.00} down payment assistance. Once both were completed and XXXX XXXX told me that I was approved for the down payment assistance, I paid the due diligence of {$200.00} on XXXX to the sellers. I then proceeded to pay for all of the following : Termite and Pest Inspection- {$65.00} on XXXX, Appraisal ( the amount I was told was {$550.00}, originally ) - {$600.00} on XXXX, House Inspection ( paid for original inspection and re-inspection ) - {$370.00} on XX/XX/XXXX and reinspection- {$200.00} on XX/XX/XXXX, Water Test ( paid 3 times ) - {$290.00} on XXXX, and XX/XX/XXXX, and Plumbing inspection- {$470.00} on XX/XX/XXXX. The total for everything we paid is {$2900.00}. 
All of the re-inspections were due to the sellers having issues turning on the water for the inspections, so that is not at fault of the loaners. The fault came in, on XX/XX/XXXX, the day before our scheduled closing date, XXXX XXXX called me to inform me that due to his mistake of not double-checking to make sure the house was eligible for the down payment assistance, I no longer had any funds to go towards the down payment. He told me that essentially, he did not make sure that NC would provide down payment assistance for existing modular homes. I would have to come up with {$7500.00} in less than 24 hrs. I reminded him that I told him before we started that I did not have that much money. He told me he would continue to work to get me down payment assistance and that he could look into a couple of options that could work to provide the down payment assistance. On XX/XX/XXXX, the date of our closing, XXXX XXXX called to inform me that there is nothing else he could do and that I would have to look for another house. So after spending {$2900.00}, because my lender ensured me that I was guaranteed the down payment assistance, loan for the house, and closing costs, my husband and I have spent all of our savings and our paycheck, just to be told the day of our closing date that we need to look for another house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 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: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
I utilized the chat feature on credit corp solutions website and spoke with someone by the name of XXXX. I asked what my payment options and settlement options were. He stated I could settle the debt for XXXX, I stated I couldnt do a lump sum that I needed to know what my payment options were. He then offered another lump sum and payment option with it. I informed him again that I could not do lump sums and asked again for payment options. He then proceeded to tell me they do not employ attorneys but if my account stays outstanding it could be sent to a lawyer firm at any moment for an attorney to take legal action so I needed to provide a lump sum today and then tell him what payment I could make every month or it would move forward to the attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
I previously disputed this account XXXX XXXX  Account # XXXX Amount : {$140.00} on XX/XX/year> ( complaint # XXXX ) due to this account being paid in full, never late and closed. This account was returned as verified. I spoke with the supervisor XXXX XXXX. ID # XXXX on XX/XX/year> at the number XXXX at XXXX and was advised that the credit reporting agencies has not reached out to verify this account or any information pertaining to this account at no point of my disputes. On my consumer report the bureaus are furnishing inaccurate, unverified information which is hurting my score, payment history and overall credit profile causing me to not be eligible for buying a home. They are in violation of 15 U.S. Code 1681a, 15 U.S Code 1666b.

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed XXXX was taken from my account leaving me with XXXX. Then locked my account so when the XXXX XXXX did come XXXX XXXX later I still wasn't able to access it. With XXXX threats, XXXX, and XXXX they unlock it. XX/XX/XXXX I woke up to XXXX in my account this time they allowed someone to take XXXX from my account. Account is locked again after verifying myself with XXXX, as well as XXXX XXXX Now I'm fighting for my XXXX. This in cause left me XXXX, unable to provide for my kids, as well as pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I came across an article where the CFPB settled with Specialized Loan Servicing on XXXX XXXX. Regarding violationing the Real Estate Settlement Procedures Act ( RESPA ). I filed a complaint with CFPB regarding this same situation.XXXX Now once again SLS is trying to forclose on my home but I have received no compensation on my loan regarding the settlement they are to implement to help borrowers. Attached is a letter from our attorney at the time stating the violation. It has been a constant struggle to get any help from this mortage servicer. We resently applied for the Georgia Mortgage Assistance program and finally after about a year qualified to receive XXXX. My application was denied, however we were told only because the Georgia Mortgatge Assistance can only pay up to {$50000.00}. The Georgia Mortgage assistance sent me a form on XXXX XXXX to fill out and submit to the mortgage company. The form is attached to this complaint. I was told once the mortgage company fills out the form and sends it back to me then the Georgia Mortgage Assistance would reactivate my file request another V record and continue trhe process of getting the money allocated. SLS has since moved to forclosure proceedings. I would like to know what they intend to do regarding violating my Respa. How do they intend to help me since they clearly have now been held accountable for their actions.I believe that back XXXX Specialized Loan Servicing violated my rights and I would like to get my situation resolved.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation