vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XX/XX/XXXX - Mailed an 11-Point Affidavit titled " Conditional Acceptance of Debt Upon Proof of Debt Validation '' regarding account number XXXX via Notary Presentment/Certification of Mailing ( c/o XXXX XXXX XXXX / Minnesota Notary Public, sent Registered Mail # XXXX ) to XXXX XXXX c/o Navy Federal Credit Union at XXXX XXXX XXXX XXXX, XXXX, VA XXXX which was never responded to. Additionally, an agent/representative of Navy Federal Credit Union subsequently updated and " verified '' the information regarding the same account which is currently still being reported to all 3 major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX with failure to provide proof of method of verification. [ Attached ]  Previously, on XX/XX/XXXX, XXXX XXXX d/b/a Navy Federal Credit Union was mailed an Affidavit of Notary Presentment, Notice and Demand for Complete Audit Trail ( Jurat ), as well as a Non-Negotiable Notice of Adequate Assurance of Due Performance via USPS Certified Mail Number XXXX which contained a pre-filled Affidavit that was never completed, witnessed by a Notary, and returned. [ Attached ] One month later on XX/XX/XXXX, a Certification of Non-Response/Non-Performance was sent to XXXX XXXX d/b/a Navy Federal Credit Union via USPS Certified Mail Number XXXX. [ Attached ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Portfolio Recovery, LLC
State: CA

Complaint narrative:
I submitted a dispute through XXXX XXXX regarding a collection matter with XXXX XXXX XXXX and requested more information regarding the collection. XXXX XXXX XXXX Sent me a notice from XXXX XXXX dated XX/XX/XXXX stating they sold debt That has a charge off date of XX/XX/XXXX to XXXX XXXX XXXX. XX/XX/XXXX is a long time ago but I am pretty sure that I settled that Balance with XXXX XXXX. I submitted another request for more information as I need to validate the charges and payments received to see if there is truly an outstanding debt. XXXX XXXX XXXX then sent me a letter stating that they have completed their investigation and they feel its valid and stated that they will not respond to any future requests. With the letter is one statement with 1 charge for a Late fee of {$35.00} on XX/XX/XXXX. I feel that I have a right to be provided a complete transaction history to support the {$1100.00} that they claim I owe. They sent a 2nd letter indicating that my electronic file lists the following and typed up my Name, last 4 of my social and a date the account was opened and a last pay date of XX/XX/XXXX but no actual statement to substantiate that information. Honestly, even the proof they sent from XXXX XXXX looks like they typed it up. At this point I want a complete transaction history for the account I have also requested payment information from my bank for payments made to XXXX XXXX but it was so long ago I have to wait for the bank to send it to me.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I submitted a dispute through XXXX XXXX regarding a collection matter with XXXX XXXX XXXX and requested more information regarding the collection. XXXX XXXX XXXX Sent me a notice from Victoria Secret dated XX/XX/XXXX stating they sold debt That has a charge off date of XX/XX/XXXX to XXXX XXXX XXXX. XX/XX/XXXX is a long time ago but I am pretty sure that I settled that Balance with Victoria Secret. I submitted another request for more information as I need to validate the charges and payments received to see if there is truly an outstanding debt. XXXX XXXX XXXX then sent me a letter stating that they have completed their investigation and they feel its valid and stated that they will not respond to any future requests. With the letter is one statement with 1 charge for a Late fee of {$35.00} on XX/XX/XXXX. I feel that I have a right to be provided a complete transaction history to support the {$1100.00} that they claim I owe. They sent a 2nd letter indicating that my electronic file lists the following and typed up my Name, last 4 of my social and a date the account was opened and a last pay date of XX/XX/XXXX but no actual statement to substantiate that information. Honestly, even the proof they sent from Victoria Secret looks like they typed it up. At this point I want a complete transaction history for the account I have also requested payment information from my bank for payments made to Victoria Secret but it was so long ago I have to wait for the bank to send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express is constantly contact me about a past due debt that is past the statute of limitations I told them a while back to stop calling me and put me on the do not call list but yet instead they called again today. I told them that I was going to report them to the FTC for harassment and please do not call me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
XX/XX/2019 debt of ( {$830.00} ) placed with a company known as XXXX XXXX XXXX. Ive never done business with this company and have disputed information such as this in the past on my credit report that came as a result of a merged files and/or identity theft. Other than my credit report, Ive never heard of this company prior to checking my report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XX/XX/2019 an account appeared on my credit report in the amount of ( {$1000.00} ). Ive tried disputing this information but was advised to file a consumer complaint as well as an identity theft complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: FL

Complaint narrative:
Last year I borrowed {$400.00} from this Business. Below is the payment activity taken directly from their website, and it's still not over, I received an email today stating " Your Installment of {$240.00} will be debited on XX/XX/XXXX ( Tue ). You can also schedule a Pay in Full for {$310.00} '' This {$400.00} Loan will cost almot {$2000.00} to payoff. How is that possible in America? 

Date/Description/Principal/Cash Advance Fees/Finance Charges/NSF Fee/Total XX/XX/XXXX Payment ( {$79.00} ) {$0.00} ( {$160.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$45.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$36.00} ) {$0.00} ( {$200.00} ) ( {$30.00} ) ( {$270.00} ) XX/XX/XXXX Payment ( {$36.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$3.00} ) {$0.00} ( {$240.00} ) ( {$30.00} ) ( {$270.00} ) XX/XX/XXXX Payment ( {$3.00} ) {$0.00} ( {$240.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$48.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$240.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife and I were solicited by XXXX XXXX XXXX Bank of America XXXX for a better rate with potential of thousands in savings and the best ever rate on our Home Equity Loan. She promised an smooth fast and solid experience, but instead, Bank of America after running our credit reports ( mine with the wrong last name ) without our consent and without even going through the documentation they refused the loan. 
In addition, XXXX XXXX boss XXXX XXXX XXXX requested that I have to provide reports from all three credit bureaus and he is playing hard ball. Never even apologized, and tried to blame my credit retreval failure to the freeze of my credit account ( my wife 's account has a freeze too, but were able to obtain her credit score-attached, XXXX never disclosed anything about removing a freeze and we were not there anyway, never signed any documents to approve anything ). 
I personally feel that I was discriminated and I can see that there is a conflict of interest giving us the opportunity to save money. We never missed a payment, and we have multiple accounts with Bank of America, and this is not the first time we believe that we have been discriminated. 
We feel they were never intended to approve our application, although our credit is excellent, and we have a lot of equity in our home. There is no absolutely any excuse to deny our application. According to XXXX XXXX, our savings just up to end of XXXX would be about {$1000.00}, but instead we funded 2 monthly payments so far of approx. {$3000.00}. We are seeking legal advice for damages we have suffered, these people are licensed and have obligations. People responsible for our losses and frustration must be help 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 non-monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Im trying to connect my bank account to XXXX XXXX apps but the bank is not giving the app to access it because of plaid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: Fidelity National Financial, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX FNF Servicing pulled my credit. I did not authorize this. They are part of XXXX which holds my ex husband 's mortgage which was included in a Bankruptcy in XXXX. They purchased the mortgage from XXXX XXXX. The mortgage was never foreclosed on because we had continued to pay. The mortgage was purchased by 4 different companies since XXXX. When XXXX purchased this, they started reporting on my credit report which is illegal because the debt was already discharged. Then in XXXX, they pulled my credit without my approval. I contacted them to correct both the credit reporting of payments and the pulling of my credit. They removed the payment reporting but not the hard inquiry off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: MO

Complaint narrative:
I enrolled in XXXX XXXX XXXX in XX/XX/2019. In XXXX of XX/XX/2019, I had to take a medical withdrawal. I hadn't even completed half the semester. The school charged me for the entire semester and transferred the debt to USCB Corporation. I have since contacted the school and they have agreed that I was inaccurately charged. Now USCB Corp has closed the account on my credit reports but not deleted it like it should be.

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 2020-05-29 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a car loan from WELLS FARGO DEALER SVC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO DEALER SVC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX, and XXXXXXXX   reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.

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 2020-05-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A letter was sent to TransUnion on XX/XX/2020 via USPS Certified Mail # XXXX containing a direct dispute of the items in question under 15 U.S.C. 1681i, Section 611 ( a ) ( 1 ) ( A ) as well as a Memorandum of Points & Authority under FCRA 604, 609, and 611, Fair and Accurate Credit Transaction Act ( FACTA ), and Consumer Financial Protection Bureau ( CFPB ). TransUnion was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to entries/statements being made and " verified/validated '' without first-hand knowledge ( which is a crime ). The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]

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 2020-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Credit Acceptance reported to my credit report that I was 2 months behind after I called to set up forbearance from being impacted by the pandemic they are telling customers that they doesnt do forbearance on their contracts. But did advise me that they will not be submitting and late accounts to the credit bureau. Well on XX/XX/XXXXthey reported that I was 60days late on my report. How am I 60 days late when my car payment was made in XXXX and the pandemic started XX/XX/XXXX they were contacted.

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 2020-05-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
When I typed in my social and address on get my payment from the IRS, it says my check was mailed XX/XX/XXXX. It is now XX/XX/XXXX and I believe that my payment was sent via debit card without notice and was accidentally thrown away. The EIP card that I was going to receive looked like junk mail which may have caused me to throw it out.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a car loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a car loan from XXXX XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a car loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.

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 2020-05-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
A letter was sent to Equifax on XX/XX/2020 via USPS Certified Mail # XXXX containing a direct dispute of the items in question under 15 U.S.C. 1681i, Section 611 ( a ) ( 1 ) ( A ) as well as a Memorandum of Points & Authority under FCRA 604, 609, and 611, Fair and Accurate Credit Transaction Act ( FACTA ), and Consumer Financial Protection Bureau ( CFPB ). Equifax was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to entries/statements being made and " verified/validated '' without first-hand knowledge ( which is a crime ). The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]

Company response to consumer: Closed with explanation