vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy Federal Credit Union is the lender for my mortgage. In XXXX I called them to request forbearance under the CARES Act. When I called to request forbearance, the operator told me that by requesting forbearance it would impact my ability to obtain loans and asked if I wanted to proceed. I asked her why and how if technically under the CARES Act, the lender is supposed to continue to report the payments as being current if the borrower has been current on their mortgage. She then told me that it was up to the credit reporting agencies to decide how they would report the information on my credit report. I again asked her for more information since Navy Federal is not supposed to change its reporting. She ended up telling me that Navy Federal would most likely not extend credit to me during this time and asked if I wanted to proceed. I said yes. As we were going through the process, she also explained that after coming off of forbearance I had the option to pay it back in a lump sum before describing other options. She then read me the other options. During my time in forbearance, I received mailings telling me I was at risk of foreclosure. When I called back about two weeks ago to request to remove forbearance, the operator led with a lump sum payment first and asked if I wanted to proceed. I told her I wanted all my options read before I picked which was best for me. After going through the process, the operator also told me that I had to wait a few days to fill out paper work that would be available through their E-system and was told NOT to make a payment until the paperwork process was complete. She also said the papework had to be physically signed and returned by mail. This process is not yet complete though I have returned the paperwork. I went in today, XX/XX/XXXX, to check my credit reports and XXXX has a line next to my mortgage that states : " deferred, payment date not reported ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I received a mail offer from Mariner Finance. It was a live check for XXXX. I set up my account online and connected the account to my credit union XXXX XXXX XXXX XXXX. Their website was very buggy, that is -- - it didn't always work. I noticed the 1st payment came out XX/XX/XXXX already 15 days late but the electronic payment worked. Well the payment of XXXX was due on th XXXX. Next month I tried to pay on line again, and it appeared to go through. It did not " recognize or find my account '' even though I had completed an online payment. The payment never was returned so I did not know the haven't received the payment. They called and said make the payment you are late. I went back online and used the same account they had accepted before, to send them a Bank Check addressed to Mariner finance this was payable on XX/XX/XXXX. Later I found out that they only would accept cash ( debit card ) because of THIER website issues! I paid two payments on XX/XX/2022. 1 day after 30 days late which dropped my credit score XXXX points! They called and gave me hope that i could contest the late, but of course XXXX said it was correct. Please help me I am being punished for their payment issues, and they rejected my check! PLEASE HELP. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
-XXXX  XXXX 2022 paid {$37.00} to comenity with my XXXX  XXXX XXXX account- have an account with credit karma that reports overdue payments for this card -I have been paying on the comenity account and should not be late- the comenity account is in an old last name, different from my current name. 
- I am using XXXX  to monitor my XXXX XXXX- It has XXXX ID alerts- I have been changing emails and passwords to try to protect myself- I am worried my son may have been a target too- I reported the 34 ID thefts to XXXX XXXX sheriff - I had a {$.00} fraudulent charge from XXXX- I called them and it was fixed - it also came out of my XXXX  XXXX XXXX account - I believe my XXXX email account was hacked because that is the main email reported on my XXXX  - 34 companies including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and more are associated with my XXXX email account - some of the accounts associated I have no memory of opening and I do not believe I did open them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX around this time of 2021 I opened a checking and savings account with USAA, prior to me leaving for XXXX XXXX training on XX/XX/XXXX. I set up my direct deposit with my XXXX  shortly before leaving for XXXX. After I graduated on XX/XX/XXXX I realized my account wasnt accessible. I called the bank and revived the same answer multiple times saying that they no long want to do business with me. After months and months of them telling me the same thing the only thing new I learned was that my account is under review and they cant tell me why. The only physically bank is in Texas and I live on the XXXX XXXX. Its going to be a year since I havent been able to access the funds in the account that has nearly {$3000.00} in it. I asked then multiple times to close the account and send the money back to where it came from if they no longer wanted to do business with me and they refuse to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UPGRADE, INC.
State: CA

Complaint narrative:
have a problem with XXXX XXXX and with particularly with Upgrade Card. I was misled and lied to. Given completely false promises that were never honored. All my efforts for peaceful resolution did not go well. Upgrade Card would not honor what they promised. 
Let me start from the beginning. I was referred by XXXX XXXX to apply for Upgrade Card with a {$400.00} signing on bonus. From the start, Upgrade gave me lies. First they told me ( and I have all e-mails from them to prove it ) to provide some documents and the half of the approved {$2000.00} credit will be available right away. That never happened. It took them a month and a half to have the money available. Okay, I let it go. No problem. However, when I inquired about {$400.00} that was suppose to be given to me as a credit after 3 months of having my account in a good standing they told me that I should not be worrying everything will be posted to your account next billing cycle which suppose to start in XXXX. That never happened. I tried calling back again but this time they told me that I should have opened a checking account with them and fund it. I did not do that therefore I am not eligible for promotion. That was a shock to me. It was never in the picture before.I even tried talking to superviser but they started saying same thing. It only started in XXXX. That's when I supposed to see the credit they promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX is the lender for my mortgage. In XXXX I called them to request forbearance under the XXXX XXXX. When I called to request forbearance, the operator told me that by requesting forbearance it would impact my ability to obtain loans and asked if I wanted to proceed. I asked her why and how if technically under the XXXX XXXX, the lender is supposed to continue to report the payments as being current if the borrower has been current on their mortgage. She then told me that it was up to the credit reporting agencies to decide how they would report the information on my credit report. I again asked her for more information since XXXX XXXX is not supposed to change its reporting. She ended up telling me that XXXX XXXX would most likely not extend credit to me during this time and asked if I wanted to proceed. I said yes. As we were going through the process, she also explained that after coming off of forbearance I had the option to pay it back in a lump sum before describing other options. She then read me the other options. During my time in forbearance, I received mailings telling me I was at risk of foreclosure. When I called back about two weeks ago to request to remove forbearance, the operator led with a lump sum payment first and asked if I wanted to proceed. I told her I wanted all my options read before I picked which was best for me. After going through the process, the operator also told me that I had to wait a few days to fill out paper work that would be available through their E-system and was told NOT to make a payment until the paperwork process was complete. She also said the papework had to be physically signed and returned by mail. This process is not yet complete though I have returned the paperwork. I went in today, XX/XX/XXXX, to check my credit reports and XXXX has a line next to my mortgage that states : " deferred, payment date not reported ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: GA

Complaint narrative:
Looking over ny credit profile i seen a update of a unauthorized fraudulent accounts and a inquiries on my profile and i would like them removed the inquiries are : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have tried to talk to the XXXX people which are called the XXXX XXXX XXXX. I have paid off my account of {$130.00}. And the same with eauifax it is not showing that I paid it. The same with my XXXX account on my XXXX account I have paid XXXX and it it suppose to be taken off? Just when I paid my XXXX XXXX XXXX  account it is off all my credit bureaus. 
Why is it so hard for these people to take off bills that we paid off? We try our hardest to get these off our credit, but your credit people want to linger on n keep them on there. This is no dang fair. And XXXX XXXX charges you {$59.00}?? To help you close acvounts they take more money then getting our accounts closed. More money n less accounts are closed. Charge extra for them in their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC
State: IA

Complaint narrative:
I took out a pay day loan on XX/XX/2022. I was given the money but then I was sent to the XXXX  hospital for a mouth. I was not get a paycheck. So when I got out I had to restart working. I called them right away stated what had happened and to see if they would work with me. They said they can't work with me and that I need to start paying double payments. I was not able to because I was getting less than 35 hours a week. Then I notice on my last paycheck that I received on XX/XX/2022. XXXX XXXX XXXX garnish 15 % of my paycheck which was about {$150.00}. I called my human resource office and they stated that they have a wage collection paper that I have never signed. I was never sent to court or served papers for this. I took out the amount of {$350.00}. According to XXXX XXXX XXXX  I owe the company over {$1100.00}. I was not servered paper work from small claims court or severed paperwork from a judge. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NV

Complaint narrative:
hello, i sent a validation letter to iq data an to all three credit bureau. i never got a validation letter from the debt collector to say what i owe an documentation, then the credit bureau said they validated it. how can that be when the debt collector cant even validate the debt. then i looked at my report an i see outrageous interest charges. it went from XXXX to XXXX an the interest charges keep goin up an down every month. i know thats against the law. an on my credit report it says there an attorneys. this company has broken alot of fcc laws an keeps breaking them when reporting false info on my credit report. how do you send a validation letter to a po box .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Looking over ny credit profile i seen a update of a unauthorized fraudulent accounts and a inquiries on my profile and i would like them removed the inquiries are : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 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: GA

Complaint narrative:
Looking over ny credit profile i seen a update of a unauthorized fraudulent accounts and a inquiries on my profile and i would like them removed the inquiries are : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have tried to talk to the Transunion people which are called the XXXX XXXX XXXX. I have paid off my account of {$130.00}. And the same with XXXX  it is not showing that I paid it. The same with my XXXX account on my Transunion account I have paid XXXX and it it suppose to be taken off? Just when I paid my XXXX XXXX XXXX account it is off all my credit bureaus. 
Why is it so hard for these people to take off bills that we paid off? We try our hardest to get these off our credit, but your credit people want to linger on n keep them on there. This is no dang fair. And XXXX XXXX  charges you {$59.00}?? To help you close acvounts they take more money then getting our accounts closed. More money n less accounts are closed. Charge extra for them in their pockets.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I have tried to talk to the XXXX people which are called the Lexington law firm. I have paid off my account of {$130.00}. And the same with XXXX  it is not showing that I paid it. The same with my XXXX account on my XXXX account I have paid XXXX and it it suppose to be taken off? Just when I paid my XXXX XXXX XXXX account it is off all my credit bureaus. 
Why is it so hard for these people to take off bills that we paid off? We try our hardest to get these off our credit, but your credit people want to linger on n keep them on there. This is no dang fair. And Lexington law charges you {$59.00}?? To help you close acvounts they take more money then getting our accounts closed. More money XXXX less accounts are closed. Charge extra for them in their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my account for no reason and took my money and said they refuse to return the {$5000.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My rights as a consumer have been violated multiple times by XXXX XXXX XXXX account number XXXX. 

According to 15 USC 1681 b, there can not be anything furnished on my consumer report without my written consent. 

I did not submit in writing to above said person that they may report anything on my consumer report. 

Also according to 15 USC 1681, I as a consumer have a right to privacy. 

All transactions between myself and above said person are private in nature which should have been kept private, by furnishing information on to my consumer report said person has violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
While checking my American Express account I noticed there was an additional card in my name. The card had an old credit card number on it and a new expiration date. I previously had this card and American Express sent me a letter ( which I still have ) that they were sending me a new one since the old one expired and I would also get a new credit card number. This was years ago, and I have only been using my new credit card since. 

I immediately froze the card and called American Express to inquire how an old, expired card that they sent me a letter stating it is no longer in use ; the card number is not in use, how that randomly shows up on my account again years later as active. 

After escalating to the supervisor, she claimed they have had problems in their application department where individuals are trying to increase their sales and open a new account under customers name. She also claimed this has been corrected. Obviously, this has not been addressed or corrected and American Express has committed sales fraud in my name. 

The supervisor stated she would close the account and that also concerns me whether or not there was a hard inquiry and when a card is closed, I will suffer a negative hit to my XXXX XXXX. 

This is exactly what XXXX XXXX was guilty of ( among others ) and now American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit reporting company continues to share incorrect and inaccurate information about me without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
Amerifinancial Solutio originally XXXXXXXX XXXX XXXX XXXX XXXX was opened on my credit report as of XX/XX/2020 in the amount of {$1400.00}. I have no knowledge of this debt and it does not belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The company is in violation of reporting transactions or experiences on my consumer report. Law 15 USC 1681a 2 ( A ) ( i ) exclusions clearly states the consumer report does not include transactions or experiences. 
This also violates my right to privacy, is negligent non-compliance, civil liability, deformation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
The company is in violation of reporting transactions or experiences on my consumer report. Law 15 USC 1681a 2 ( A ) ( i ) exclusions clearly states the consumer report does not include transactions or experiences. 
This also violates my right to privacy, is negligent non-compliance, civil liability, deformation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit reporting company continues to share incorrect and inaccurate information about me without my consent.

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