vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the late payment accounts listed on my credit report due to a tragic event that affected my finances. The associated banks have agreed to remove them under these circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I've discovered inaccurate information on my reportan incorrect address 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 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
Lakeview Loan, myloancare.com, was hacked and all financial data form this business was leaked online. Ever since then, I have been unable to make payments through their online portal. They are evasive with answers, refuse to answer what informational was leaked and refuse to release any details on why their payment systems are not actually functioning. They continue to extend the payment dates while my bank has not received a single XXXX of their " successful payments '' that Lakeview Loan claims they have received, that they email successful payment receipts of, and that they move the next payment installment date forward. I believe that Lakeview Loan is engaging in criminally fraudulent behavior.

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 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I was victim of a scam so I was lost about XXXX due to fraudulant transaction to the fake company { XXXX XXXX } via XXXX transferring .service

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
these accounts were opened fraudulently without my knowledge. I have filed an identity theft report with the FTC because I never benefited from any of the transactions from these accounts. These accounts need to be closed to prevent further use of my information and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX my Truist bank credit card was fraudulently charged for {$1300.00} plus they are adding interest to that every month. I made a claim to the bank and it was sent to the fraud department. I also made a police report on this matter. The Truist Bank advise me that they will do an investigation on the matter and get back with me and they never do, I continue to give them a call on this and they just say we will get back with you. 
I also spoke with the bank associate where this fraud took place and he advise me that the person that done the fraud on my account is no longer there. 
Police report # 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 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Huntington Debt Holding LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Huntington Debt Holdings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Disputed Debt and Violation of Consumer Law Dear : Huntinton Debt Holdings Representative I am writing to formally dispute a debt you are attempting to collect from me. The account number you have associated with this debt is XXXX. 

I am disputing this debt for the following reasons : Deceptive and Misleading Practices : You have engaged in misleading and deceptive practices in your attempts to collect this debt, in violation of 12 C.F.R. 1006.34 ( b ) ( 5 ). Please provide specific details of these practices, such as : Making false or misleading statements about the amount of the debt.

Threatening to take actions that you can not legally take. 
Using harassing or abusive language. 
Failing to properly identify yourself as a debt collector. 
FCRA Violation : You have furnished this debt to a credit reporting agency without providing me with all the disclosures required by law, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ). This includes disclosures about : The validation of the debt.

Your right to dispute the debt.

The information that will be reported to credit reporting agencies.

Also based on 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which prohibits creditors from providing inaccurate or misleading information to a consumer reporting agency about a disputed debt. I believe the information you have provided is inaccurate or misleading And according to 12 C.F.R. 1006.34 ( d ), which prohibits creditors or collection agencies from communicating about your debt to third parties who are not involved in the collection process. This includes, but is not limited to, neighbors, employers, or roommates.

I request that you take the following actions : Cease and desist all collection activities : Stop contacting me by phone, mail, or any other means regarding this debt. 

Investigate my dispute : Thoroughly investigate my claim and verify the accuracy of the information you have reported to credit reporting agencies. 
Correct any inaccurate information : If you find that the information you reported is inaccurate or misleading, I request that you immediately correct it with credit reporting agencies. 
Remove the debt from my credit report : If the debt is found to be invalid or inaccurate, I request that you remove it from my credit report entirely.

If I do not receive a satisfactory response from you within 30 days, I will be forced to consider taking further action, which may include : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Reporting the violation to credit reporting agencies. 
Pursuing legal action. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
In XX/XX/XXXX we entered the COVID-19 Relief Plan offered by Roundpoint Mortgage. Through XXXX we communicated at least monthly with Roundpoint regarding our status. In XX/XX/XXXX we advised we would like to begin making payments. In/About XX/XX/XXXX Roundpoint advised we would receive a detailed description of our workout option. We contacted Roundpoint in XX/XX/XXXX to advise we had not received any documents. We were advised we could not make payments until a workout has been agreed upon. In late XX/XX/XXXX, we finally received documents in the mail requesting information to apply for relief. We contacted Roundpoint immediately on receipt, on/about XX/XX/XXXX to review the paperwork from Roundpoint dated XX/XX/XXXX and were advised that the documents had expired. Agent advised or request would be submitted verbally and to disregard the documents. As of this writing we have still not been able to make a payment not have we received any agreement regarding a workout.

We understood from explanations from Roundpoint during our monthly calls throughout XXXX we would be able to get a forbearance on the XXXX payments at the end of the program, maintaining our current rate. We've received certified letters indicating Roundpoint reserves the right to foreclose. Our concern is we're being misled and stalled, and will be forced to take a foreclosure or a higher rate on a modification, similar to the situation recently described on XXXX for other homeowners who were in the COVID-19 forbearance program. It's now nearly 3 months since we requested to end our forbearance and each time we call Roundpoint we're advised to call back in 15 days. The solution we seek is to keep our current rate, add the outstanding payments to the end of the loan, and begin regular monthly payments as soon as possible. 
Thank you.

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 2024-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is, and I am writing to bring to your attention fraudulent information on my credit reports. 

UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

1st you need to Update my personal Information and Remove Fraudulent Addresses : XXXX XXXX XXXX  {$56000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$53000.00} XXXX opened XX/XX/XXXX {$60000.00} XXXX XXXX opened XX/XX/XXXX {$68000.00} XXXX XXXX XXXX opened XX/XX/XXXX {$36000.00} XXXX Opened XX/XX/XXXX {$50000.00} XXXX XXXX opened XX/XX/XXXX {$95000.00} XXXX XXXX opened XX/XX/XXXX {$960.00} XXXX  opened XX/XX/XXXX {$68000.00} Achieve PERSONAL LOANS opened XX/XX/XXXX {$35000.00} FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned.

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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I created a bank of america account and the next day it was closed for no reason.

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 2024-02-21 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: Professional Finance Company, Inc.
State: FL

Complaint narrative:
XX/XX/year> {$660.00} a collection was posted on my credit report that doesnt belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: 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. 

I told the XXXX, Transunion, and XXXX to investigate these accounts below. 

XXXX XXXX XXXX Account # XXXX I dont have the full account number but I did add what is reporting on my credit. 



However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2024-02-21 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: NC

Complaint narrative:
I have sent numerous letters requesting approval and the strategy for how they approved different false and sketchy things on my credit report and have not gotten back anything in more than 45 days for these records that are obviously wrong and fake records. This credit authority is ignoring the law and exploiting buyers and this has caused large pressure in my life. The latest guaranteed letter I sent was XX/XX/23. These are the accounts and their account numbers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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. 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 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 2024-02-21 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
I am writing to report a concerning issue with my loan account with Mercedes Finance. Despite an agreed-upon interest rate of 5.99 %, Mercedes has been deducting 100 % interest from my monthly payments. I have made multiple attempts to contact them for clarification and resolution, but my inquiries have been consistently ignored. This situation is causing me significant distress and inconvenience. I kindly request your assistance in addressing this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX Account Number : XXXX I dont have the full account number but this is whats showing on my credit report. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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