vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was a with SYNCB/AMAZON PLCC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last year, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-12-07 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
On XXXX XXXX, 2020, a collection was added to my three credit reports by National Credit Adjusters. I was not notified of this debt and was not given ample opportunity to validate the debt. However, when I noticed in on my credit report, I immediately called and paid the debt with the assumption that it would be removed from the credit reporting agencies. Even though I stated that I did not acknowledge the debt as valid, I was willing to pay so that I may regain my good credit as I didn't have any collections on my credit at all until this unexpectedly appeared. I have filed disputes with the three reporting agencies, only to have the information updated and refused to be removed. This was totally unfair in the fact that I had no knowledge of the debt and paid it as soon as I was aware of it. Had they properly contacted me by using the address listed on my credit report instead of the address listed on the debt they purchased, it would have been taken care of prior to becoming an issue on my credit report. This was unfair to do to someone who has no collections and it caused the purchase of the home I was involved in to fall through right before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I sent a dispute letter into both Equifax and XXXX  on XXXX/XXXX/20. I disputed several inaccuracies and asked for the companies to update. Both Equifax and XXXX  have not responded to my letter and its now XXXX/XXXX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am unable to get any form of loan or credit because transunion is saying I cant for a reason they wont disclose. I tried to get my free credit report online. could not verify my identity, tried many times. I then looked for an email to talk to them. they don't have one. so i called them up, they could not verify me with an automated system and the automated system hung up on me instead of putting me through to a person who could help. this is extremely stressful as I cant get any form of credit and transunion refuses to offer ways to talk to me. my last option is mail and I don't own a printer. I have a XXXX and this is making this so hard to figure out why I'm getting rejected for unknown reasons. Transunion will not give me my credit report based on my factual and true identity. I have tried to talk to them but they offer no way to talk. They also tried to make me pay for my credit report and made the free report hard to find. I am extremely frustrated and don't know what to do, i feel like i'm being harassed by this company who are blocking me from getting info on why i'm being rejected. when i input my info correctly its up to them to use that info and get my identity, if they cant do that, they are doing their job wrong. if i gave them a rating on how well they did it would be 0/10. I tried going to other sites but they all require transunion to do their job, which they fail at.

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 2020-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
My ex was removed by the police back in XX/XX/2017 and I am getting collection calls at all hours for his bad debt. Most recent calls are coming from Midland Credit Management, I also received a call for my daughter. This has to stop. I pay my bills and something needs to be done to put a stop to this. No I did not give anyone permission to use me as a reference as they state nor the right to use my number. My number is also on the do not call list

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
As part of the CARES act interest on Federal Student Loans was to be waived due to Covid 19. I am still being charged interest. Navient states that my loans don't qualify because they were not funded by the US government even though they are federally subsidized student loans with interest rates set by congress.

I don't care who lent the money, they are federal student loans that are guaranteed by the US government so I should not be charged interest on the loans during the period that the CARES act covers. Navient is charging interest on these loans in violation of the act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Order was placed to a XXXX company called XXXX XXXX XXXX XXXX  XXXX on XX/XX/2020 Amount of purchase was {$3000.00} American Transaction was conducted under XXXX XXXX XXXX program Credit card used was a double cash back citi bank credit card. 
XXXX  XXXX guarantee shipment 50 days from day of purchase. 
The manufacture promised 60 days. 
Manufacture provided false shipping information to prolong process. 
Both XXXX and citi bank are claiming they are waiting on responses from each other for refund. 
As of XXXX still do not have any valid shipping info of product or refund.

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 2020-12-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are currently numerous accounts listed on my credit report that I have no knowledge of. These accounts are a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I applied for a SBA loan and was granted {$31000.00}. I had it sent to my checking account in my name, since I do XXXX  as a XXXX XXXX. The credit union started acting very suspicious after I asked about removing the money for XXXX  reasons. I was asked for all types of documentation and I supplied everything asked of me. They would not release the money. They were not properly instructed on how the loans worked and who was entitled to receive them. They eventually said they would sent me the money in a cashiers check, but in reality sent it back to the SBA. My XXXX  has been suffering because of these situation. They closed all my accounts and shut me out totally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received a letter from XXXX  regarding fraudulent activity involving Navy Federal Credit Union ( NFCU ) that was deleted from my account. On XX/XX/2020 I looked at my credit report online and found erroneous information ( phone number and current employer ) that appeared to be related to the recent fraudulent activity. I then called XXXX to have it corrected and was told to contact NFCU regarding access to any other documentation that may help inform me as to the extent of the fraud and/or provide additional information for an investigation. I next called NFCU to obtain copies of the application and any other related account documents. I was eventually transferred to XXXX in Security Operations who informed me that they could not provide that information to me unless I had a subpoena. I asked several times if there were a way to prove my identity or provide a police report, and also mentioned victim rights of identity theft under FCRA, but was still told I could not have the information and that I should call back in 15 days so that they could advise me on the matter. She would not elaborate what that advice would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: CO

Complaint narrative:
This company is to hard to finance with. I have done everything they asked, they don't return calls but to ask for more and more to close a loan. They know my dad is hurt and going to XXXX and I gave them Loan Conditions on time and letters of understanding with there help. I ask them if I could close on XX/XX/2020 instead of the XX/XX/XXXX the answer was not going to happen we need releases. I was suppose to close on XX/XX/2020 but the lone organizer bailed so we had to change the date. I reminded them please keep in mind you made me and my dad a promise in front of sells, that you you keep the deadlines as along as we turned in everything and we did that. That was on XX/XX/2020 for XX/XX/XXXXclosing, now we are going into XXXX for closing we are a very disappointed and feeling overwhelmed! We gave up on other lenders for you guy 's and I showed that to the team and was asked to trust the process and told them on Friday XX/XX/XXXX that after Monday the XX/XX/XXXX if it is to much of a burden we walk. They called and asked for loan condition that Friday and to trust them to deliver, we compiled and now they want more after I asked to close early. Why? We are burned out paying month to month waiting for them to decide this is costing more money and wasting my time. The fact of this matter is we are being denied because of my fathers age, and XXXX and other possibility 's under discrimination act 's under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scott Kroner PLC
State: VA

Complaint narrative:
I was recently made aware of an attempt to collect a debt from me for HOA dues and water bills by my real estate agent while I was attempting to sell a property. I was not contacted at the correct address about this and did not, at any point receive a phone call or email, despite both of these being on file.

At the point I was made aware of this attempt to collect a debt, I immediately reached out to the debt collection service. After a few days of trying to get some type of breakdown of the charges they were attempting to collect, they finally sent me a PDF on XX/XX/XXXX which just showed a series of numbers written down for each month, which did not add to the amount they were attempting to collect from me. At this point, I asked ( in writing and over the phone ) for copies of the actual bills for the things I would owe. They informed me that they did not have these and did not have to provide these because this debt was made in a business name, but assured me ( without any documentation ) that this debt was mine. They recommended that I reach out to the HOA to get these bills.

I reached out to the HOA by phone over 13 times and left multiple voicemails. None were ever returned. I notified the debt collector about this and cc'ed the HOA and neithe
r of them responded. Finally, over 4 weeks after initially requesting these documents, the HOA responded to me saying that they do not have any of these documents, and the debt collectors are acting as their representatives. At no point did the debt collectors make any attempt to contact me to get me these documents.

This whole fiasco took place as I was attempting to sell my property, and these tactics of delaying repeatedly and not providing documentation proved damaging to me. We had to continue to delay closing while trying to hunt this answer down, and finally I had no choice but to just pay them so we could close the property. Unsurprisingly to me, the HOA finally responded with more delay tactics ( to tell me to go back to the debt collectors ) within 12 hours of the
property closing, timing which shows clear intent for both the debt collection agency and the HOA to strongarm me into paying a debt without sending any validation of debt to me, as they are legally required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
On XXXX-XX/XX/2020 I was contacted by phone by debt collection firm saying I owe them money. Lately they contacted me by my email. On XX/XX/2020 I was asking for debt verification information, and never received any competent evidence that I have any legal obligation to pay to the order of Cedars Business Services. I was contacted again on XX/XX/2020 asking to pay a debt. The representative never sent me any Agreement with the client that grants them the authority to collect on this alleged debt. 

Also I never received any notice of debt thought the regular mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I got a phone call from XXXX. They wanted my information to verify what debt I owed. For a utility bill. I do not owe any utilities any past debt. There have never been any bills coming to my house. If I owed debt I would have seen a bill or utility debt would be on my credit report. She wanted my personal information. I told her just to send me something in the mail they have on file. She said okay and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Caliber Loan Number : XXXX On XX/XX/2020, I spoke with a loan agent by the name of XXXX XXXX about refinancing options and interest rates only. He asked if I wanted to submit a loan application and I explicitly told him, " No ''. I filed a complaint with Caliber Homes and no excuse or reason was provided for his unethical actions. Their response was, " Since you decided not to move forward with the loan refinance process, the Loan Consultant was required to withdraw your application in our system. " ( Direct quote ). As if this solves the problem. The issue is, I told him not to submit a loan application in the first place from the beginning. The call was recorded on their end. Caliber is saying that a loan number was required to be opened as part of their inquiry, so that the Loan Consultant could gather my information and be able to provide me the most accurate information available in regards to my refinance options. Even if this were the case, I should have been told that upfront and then why did he even ask if I wanted to move forward with submitting a loan application if this is normal/routine practice. I have spoken with plenty of other refinance companies and they were able to provide me with information that I requested without submitting an actual loan application. I believe that they are just trying to " beef '' up their numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I do not have any documents with my signature with any of this companies.

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 2020-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I saw a credit alert on my account on XX/XX/2020. I contacted the company that listed it ( IC System ). After a series of phone calls, they had not done anything to provide information on payment, so I sent a registered letter on XX/XX/2020. I had not received a response by XX/XX/2020 and filed a complaint with the XX/XX/XXXX IC System responded to that complaint saying they had sent a letter to me on XX/XX/2020. I received that letter today ( XX/XX/XXXX ) - attached. It does not address the specific questions I asked. They are not being responsive. And, in the meantime, I am trying to resolve this in good faith, but can not proceed without answers from them. 

How are they being held accountable?

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 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I do not have any documents with my signature with any of this companies.

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 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I do not have any documents with my signature with any of this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
These credit inquiries are unauthorized and meed to be removed from mt credit report immediately

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 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
These credit inquires are unauthorized and need to be removed from my credit report immediately.

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