vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There is a balance showing on this account that is inaccurate. It should show as {$0.00} balance and fully paid off. This is having a major affect on my ability to obtain credit.

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 2024-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
Original Complaint : XXXX. 

Follow-up : Lakeview/XXXX sent a release to the County which was rejected on XX/XX/XXXX due to not meeting State statutes. 

Lakeview/XXXX sent a second release to the County, which was rejected aon XXXX/XXXX/XXXX due to not meeting State statutes. 

Missouri State Statutes : Grantor/Grantee must be completed XXXX '' margin FIRST PAGE MUST INCLUDE BOOK AND PAGE : Book, XXXX, Page, XXXX. 

We were told on XX/XX/XXXX that a release was sent to the County on XX/XX/XXXX. That is the same day that LakeviewXXXX replied to the original CFPB complaint with documentation. However, that documentation was the release that has been rejected due to not meeting State statutes. 

Calls to the XXXX XXXX XXXX on XX/XX/XXXX revealed they have not received the corrected release. 

Calls to XXXX on XX/XX/XXXX revealed that the last document mailed was a letter to my home on XX/XX/XXXX stating they were still investigating the issue. This letter was dated XX/XX/XXXX and was received at my home. 

My account shows no record of any other documentation, which indicates that the correct release has not been sent to the County and we still have an erroneous duplicate lien on our property.

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 2024-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: NC

Complaint narrative:
XXXX XXXX  provide me a letter release if me from the lease and I have a copy of that letter which I provided to procollect!! It was a XXXX XXXX in the complex building were I lived!! I complained to XXXX about it they didn't like it that I complained about the noise and I reported them about code violations! They didn't like it and told me I could be released from the lease!! I said ok respond back and moved out!! Did what that asked on the letter!! 
Two or three months later they send me to procollect!! I called procollect they were very nasty and didn't want to hear me out!! 
I sent a copy of the letter!! They never responded back in which they said they would!! XXXX XXXX  was on channel XXXX news trying to scam other residents! 
I have tried reaching out to the complex but they are under new management! Didn't have a forwarding address!! I have disputed this almost every month with the credit bureaus and a statement is on my reports but procollect refused to comment on the letter I sent!! They T

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Previously I've looked over a copy of my consumer and noticed that there are accounts and information thats reporting either inaccurately or doesnt belong to me at all. There are multiple names and addresses that arent mine along with a collection account stating that I owe them a debt. I have no knowledge of this creditor reporting this account nor did I give them any consent to obtain my personal information and share it. I cant owe a debt if there was never an agreement to pay on any balance between me and the creditor. If they cant provide any verification that we had an agreement, then this account was never mine. I feel as though my right to privacy was violated in which as a credit reporting agency Equifax must respect that right. Reporting an account or information thats not verifiable or accurate must be removed from my consumer report immediately. It is Equifaxs duty to do whats fair and equitable for the consumer in which reporting inaccurate information and accounts to my consumer report isnt fair nor equitable for me. Anything that they report on my consumer report must be accurate. 



Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: CA

Complaint narrative:
I paid off a loan with VW Credit for a XXXX VW XXXX on XXXX XX/XX/XXXX. In XX/XX/XXXX, VW Credit sent me a lien release for the state of California. The state of California does not hold the title to my vehicle ; Alabama does. I purchased the vehicle while stationed at XXXX XXXX ( now XXXX ), Alabama in XXXX. I am currently stationed at XXXX XXXX, CA. 
VW Credit, through multiple phone calls, has told me they are unaware of who currently has my title ; I was told in late XXXX that the state of California had the title ( they do not ), and on XXXX XX/XX/XXXX that the state of Alabama had the title. On XXXX XX/XX/XXXX, I was told that the title department could not locate my title. 

I am due to be stationed overseas in the coming months, and require my vehicle title in order to bring our vehicle under XXXX agreements to XXXX. 

Any assistance that the CFPB could provide to allow me to take possession of the clean title that I should have received in XXXX would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I purchased an {$700.00} TV from XXXX. The TV worked well initially, but then started being extremely slow and having wifi connection issues. I purchased this under XXXX 's 100-Day Risk-Free Trial ( specific for TVs ) which is STILL on the front page of their website which can be viewed here : XXXX XXXX XXXX. When I contacted XXXX, they said their refund policy is not 100 days and that I can not return the item. Huh? I explained to them that their promotional policy is 100 days and sent them that link. They continued to insist that they do not offer this refund period. I initiated a dispute with my bank who decided to side with XXXX despite me sending this information to them along with video evidence of the TV being faulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
In XXXX of 2017 I decided to get solar energy to help with climate control. 
An XXXX XXXX XXXX came to My house to sell me the panels. He said I could have a loan which I could get a credit on my income taxes and the payment would not ever increase. 
After several increased. I did not understand why. In these two years the panels did not save me money I complained but nothing was done. I hired another company & they suggested I add more panels. Bills still did not decrease & no response from company. 
A neighbor hired XXXX XXXX XXXX with good results. They came out & said they had a system which would work. They found that the permits had never been pulled & electric panel was out of date & could have caused a fire. They replaced the panel. The bills went way didn't to {$27.00}. I then had a new loan & was told I would get credit on my income tax. 
I have since found out they never registered the new panel with XXXX. The loan has now increased again and after a lot of investigation from An outside company & My accountant that I do not pay enough taxes to get a deduction. This was never Explained to me. I could have been given an option to lease ( from another solar person ) the equipment & the amount would have remained the same. 
I Am a XXXX XXXX  who trusted these companies & neither one of them gave all the correct information. I have also been told they should have seen the roof was 20'years old and not a good idea to install solar panels. Now I need a new roof & it will be costly to remove & reinstall the panels. 
I feel that my lack of knowledge has left me in a financial crisis with two loans & one for panels that don't work. I spent some time gathering data for an attorney to help me & after spending all that time he said he could not help. Me because there was no money in the case. 
I fell alone in a sea of misinformation from salespeople who have no integrity about their work. 
I would love to see some action taken. At the least I would like the first loan eliminated. I have paid a great deal for nothing. Mosaic the loan company takes no responsibility. 
If there is any thing that can be done to insure accountability I would appreciate it. 
These companies should not be in business. 

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Fax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
On XX/XX/XXXX, we received the attached letter marked Letter to XXXX XXXX. Twas dated XX/XX/XXXX, but we did not receive it until XX/XX/XXXX. Strange since they have the correct address on file. It shows an amount owed to XXXX  for {$1500.00}. When I asked them ( XXXX XXXX ), they said it was actually 4 separate bills to four separate medical groups, the oldest dating all the way back to XXXX. The oldest bill was actually to a rival medical group to XXXX. I asked for a breakdown of these charges so I could verify the charges as there should have been nothing owed at the hospital in question. The person in question told me the hospital would have no records as they were purged from their system, so I had to rely entirely on the information from XXXX. I am still awaiting the requested information. Electronically that should be something available within an hour at the most if legitimate. 
The main complaint I have is this. Yesterday, XX/XX/XXXX, we received a second letter from XXXX, it is attached as Letter to XXXX XXXX. It is dated on XX/XX/XXXX and is for the exact same amount of money with the exact same description. The difference is a separate Client Account Number and Account Number. This would lead a affected party to pay for the same unverified debt TWICE. If this is not fraudulent, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the f.c.r.a these unauthorized & unverified items must be removed .15usc 1681b & 18 u.s. code 1028A

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 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra
State: CA

Complaint narrative:
I used the Abra app on my phone to purchase Bitcoin back in XX/XX/2021. I would check my balance from time to time and all was well until recently. Now, I show a zero balance for my bitcoin. I contacted Abra immediately via their website using their Chat feature. I was promised that customer support would respond back to me via email but they have not. I tried again to contact them via their Chat feature but now they no longer allow me access to my account! Abra has essentially stolen my Bitcoin.How can I recover it?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I received a letter on the XXXX of XXXX dated XX/XX/2023 stating that although I have multiple accounts, I do not have a savings account and thereby they will freeze my accounts until I open a savings account. I DO have a savings account. I called Vystar and spoke at length to an associate. She said because I am listed second on the account, I have to open another savings account. I don't want another savings account. One is enough. If they are doing this to all joint account holders, they are using this as a method to pump up their new account openings. I just also learned they are merging and I think it is in response to that. I should not be forced to open a new account and I strongly question this business practice. I also have a safe deposit box that I was told would be affected if I did not open another savings account.

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 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have an auto loan with Ally for approximately four years. I also NEVER MISSED PAYMENT AND CAN PROVIDE PROOF. Most recently I had made a payment twice in a month only because I had the money available to me so I just made the payment at the end of the month to apply for the next month I didnt think that that would be a problem or cause my account to be delayed. The problem is they never applied the XX/XX/XXXX payment to my XXXX payment. Instead they waited for XXXX to pass and they applied my XXXX payment to XXXX so what happened to my XX/XX/XXXX payment I paid? XX/XX/XXXX is the payment for XXXX and XX/XX/XXXX was for XXXX payment they refuse to correct this and are charging me interest in late fees, claiming that Im  behind when Im not and again I can provide proof. And they also informed me that they going to report this to the credit bureaus when its not even my fault. They refuse to apply the charge to my account correctly I need outside assistance please.

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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a Bank of American credit card. The due date is XX/XX/XXXX. I paid my balance in full on XX/XX/XXXX. However, I got charged a late fee of {$29.00} and I didn't get any notification of this charge. I didn't use this credit card after XX/XX/XXXX. In XX/XX/XXXX I found that my XXXX score decreased 69 points just because I didn't pay this late fee!! 

First of all, I paid my credit card in full ; second, Bank of American didn't notice me that they charged me a late fee. Without knowing it, they report me as delinquent to credit beau, which significantly impact my credit score! I have an excellent credit history and this late fee impact 69 points of XXXX  score!

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 2024-01-11 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was using my card, and made every payment before the due date, and they flagged me for fraud for making my payments as I used my card. They called my bank to do a three-way call to confirm I wasnt doing anything fraudulent and the money was coming out of my checking account. The bank then confirmed that yes the money was coming out of my checking account. He then told me everything was fine. I could use my card again, then they froze my account for 30 days with no explanation. I feel theyre freezing my account because theyre not collecting enough interest from me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
Chime is denying my dispute for 2 fraudulent ATM withdrawals with no proof of Investigation. Chime has not provided me the documents of Investigation that I was supposed to receive. I have 2 withdrawals from an ATM for {$180.00} each that I did not make. I had my card at the times of withdrawals. I have multiple proofs of my whereabouts with XXXX XXXX  and XXXX XXXX. I have proof that Chime asked me through text message if these ATM withdrawals were legal and I responded no, and Chime let them go through anyway. I HAVE A POLICE REPORT AND CASE NUMBER. I have a text message from Chime asking me if a {$60.00} transaction was made by me at the same time as these ATM withdrawals and I said no. Chime denied the XXXX dollar transaction but not the two {$180.00} dollar transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I paid off the balance so that I could receive the funds in reserve for my Credit Builder Loan. The loan was to put aside funds in a reserve and once paid off they would be released to my account. The payment was processed and was said to take up to 14 days to be received. I contacted Moneylion on several occasions in XXXX via chat and email. The only response I have been given is a dedicated team is looking into it. Tried to get more information today ( XXXX ) via chat and phone call and still being told the same thing. No one can give me any answers and they said that they are not allowed to let us speak with the team reviewing the issue, nor can anyone tell us what the issue is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 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: CORELOGIC INC
State: GA

Complaint narrative:
The three major credit bureaus are contacting this company to verify an alledged debt. The third party is not verifying the debt, only personal information that verify the identity or a possible match of address, phone number, etc. This method is by no way verifying a debt. There has been no contract of any kind with my signature, name or stating that I have done business with the debtors.

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 2024-01-11 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: LEXISNEXIS
State: GA

Complaint narrative:
The three major credit bureaus are contacting this company to verify an alledged debt. The third party is not verifying the debt, only personal information that verify the identity or a possible match of address, phone number, etc. This method is by no way verifying a debt. There has been no contract of any kind with my signature, name or stating that I have done business with the debtors.

Company response to consumer: Closed with explanation