vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
My account has been paid in full since XXXX and Mercedes has yet to update my zero balance and account status to the three major credit bureaus. This is causing my debt to be higher than it actually is and is affecting my credit score and profile. I've contacted the credit bureaus and the company and I still have not received an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAM America, Inc
State: CA

Complaint narrative:
When I enroll in this program with XXXX XXXX XXXX, I was never told that the debt settlement program that I was enrolling in would not pay my credit card obligations. They made false representation and I was under the impression that they were paying for my credit cards. However, they did not pay my credit cards and let them go into default. They then settled my credit card debts after the fact. This hurt my credit score. In addition, I have paid a total of {$33000.00} since XXXX This company is demanding that I pay an additional {$26000.00} more so they can continue to make payments towards my credit card debts. This is not true! I called all my credit cards and they all told me my debts have been paid and settled. I would like this company to refund the fees they charge me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Our Mortgage service company LoanCare is delinquent in paying our flood and property insurance from escrow resulting in the policy being cancelled. We have called Loancare at least 4 times over the last 6 weeks and they have promised 3 times promised to overnight the payment to the Insurance company, but that has not been done. We have also submitted inquiries via their web portal. 

LoanCare , LLC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA 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 2022-05-18 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: KY

Complaint narrative:
In XXXX XXXXXX/XX/XXXX and XXXX, there were 2 accounts opened by XXXX when I had asked for a credit card. Un beknown to me they created 2nd account and sent me a card in the mail along with access to a digital card the day I had applied. I was unaware of the 2nd whole new account created. When I had made a purchase with the digital card, I had made my first payment on time and signed up for auto pay to make sure that it was being paid in full in the event i make a purchase. We had went to the store in person and made a purchase using the physical card, we were under the impression that the physical card was an extension of the digital one and they were linked and the bill would be auto paid as set up prior. Since XXXX XXXX had 2 accounts created for me I was never made aware that i owed a balance on a separate credit card under my name. This resulted in a 60 day late show up on my credit report, and lowered my scores. 

I had asked XXXX to fix this mistake. I was given one excuse after another. They would not acknowledge the 2 cards being opened, my credit report shows otherwise and I had to escalate the matter. Upon escalation, I was told there would be an investigation and this matter would be resolved... fast forward 2 weeks, receive a notice stating that they were not going to fix this. I have went above and beyond to resolve this matter and they are unwilling to correct the issue. There is no reason why I would want 2 credit cards opened with XXXX XXXX and both created 1 day apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc.
State: TX

Complaint narrative:
This company is reporting inaccurate information. They are reporting a judgement for {$120.00}. I have NO clue where this is from. I have tried to dispute them personally and they refuse to delete this information. I have disclosed laws that they are breaking for reporting inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: NC

Complaint narrative:
ACCOUNT WAS PAID IN FULL HOWEVER COMPANY FAILED TO PROVIDE IRS DOCUMENTS AS CHARGE OFF ARE TO BE REPORTED TO THE IRS AND ARE CONSIDERED AS GROSS OR ORDINARY INCOME ( READ IRS PUBLICATION CANCELED DEBT XXXX ) ACCOUNT NUMBER : XXXX : PAID IN FULL ACOOUNT WAS CLOSED XXXX and has negatively impacted my credit score for reporting as Charge offs for numerous months after account was paid in full.

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 2022-05-18 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XXXX XXXX the collection agency Portfolio Recov Assoc add a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and i am no longer responsible for this account. the creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate this debt and anybody can send a bill and say its mines. According to the FCRA XXXX Portfolio Recov Assoc ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: IN

Complaint narrative:
I have never received any communication in writing in regards to this debt. Had I received communication, I would have disputed this debt within the 30 day validation period as it was paid directly with the original creditor. I have received numerous calls to my cellphone, although I have never granted permission to this company to call my cellphone. The calls come in multiple times a day and the line is disconnected as soon as I answer. My cellphone being called repeatedly without permission is abusive harassment. I have also attempted to contact this company when they reported this to my credit. However, the computer prompts never direct you to an actual person so I can ask where to send my proof of payment. I did not authorize my information being sent to a third party collection agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: GA

Complaint narrative:
My account has been paid in full since XXXX and XXXX has yet to update my XXXX balance and account status to the three major credit bureaus. This is causing my debt to be higher than it actually is and is affecting my credit score and profile. I've contacted the credit bureaus and the company and I still have not received an update.

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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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

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 2022-05-18 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-18 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: NV

Complaint narrative:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not consent to, authorize nor benefit from the following inquiries. Block and remove them. 1.XXXX  XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, American Express extended an offer to switch to a card with {$95.00} annual fee and as inducement they offered {$150.00} when I spend {$1000.00}. As further inducement to spend more they offered 0 % APR for 12 months. I made the switch, spent required amount and on XX/XX/XXXX received the {$150.00} bonus. 

In XX/XX/XXXX, without notice and explanation, American Express lowered my credit limit from {$16000.00} to {$7100.00}, depriving me of the possibility enjoying roughly 5 months of no interest on {$8900.00} in spending, which at their current APR of 12.99 % is worth about {$480.00}. 

I called and asked them to reinstate my credit limit and when they said that they can not, I acted in accordance with their good faith belief that I can not pay and switched back to a card with no annual fee. 

Now, they are claiming that I engaged in " abuse, misuse or gaming '' and on XX/XX/XXXX, charged back the {$150.00} bonus. See the specific terms of the offer that PLAINLY REQUIRE that I engaged in one of the above to claw back the bonus. 

If American Express believes that I can pay extra fees then they acted in bad faith in lowering my credit limit. Alternatively, if they acted in good faith, then they can not consider my actions, which are consistent with their actions " abuse, misuse or gaming ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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

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 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone stole a check that I had written and made a counterfeit version of the check. They wrote a check to someone that I do not know for {$9800.00} on XX/XX/2022 XXXX Someone at Truist cashed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Paypal Holdings, Inc

Complaint narrative:
I had access to my email after some time and saw a mail from PayPal dated XX/XX/2022, that my account has been permanently limited. 
When I logged into the account, I saw that it was true my account has been limited. 
I seem not to Understand why my account could be limited cause I don't usually use the account often and demand for explanation and in the same vain Call for its reactivation. 
My account is full verified and I can say for sure poises no threat nor in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX THE XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$4700.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off. {$3500.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4400.00} XXXX Account charged off. {$4400.00} written off. {$4400.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$14000.00} XXXX Account charged off. {$14000.00} written off. {$14000.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$6600.00} XXXX Account charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Collection account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Collection account. {$4900.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4300.00} XXXX XXXX account. {$43.00}

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