vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have tried to get NFCU to remove a debt from my records with NFCU. I had credit card hardship insurance i paid for each month. In XXXX a person did not have the option to pay credit card insurance with NFCU. While XXXX i suffered a hardship and reported it to NFCU. I was informed they would take care of the issues over the phone in XXXX. I mainly called because it v was the only time in could use internet and services while i was in a XXXX XXXX. When i get back from XXXX NFCU forget agreements and send me in circles about using the hardship insurance to get debt relief. The debt still is wrongfully under my name at NFCU and i lost out on money for the insurance service i paid for that was not rendered. I should have been part of they supposedly reentered my account and sold it in XXXX to avoid having to pay my portion of the award. This business has some serious issues abs i have recorded phone calls to substantiate facts of issues with NFCU. Proof of the lawsuit abs my issues reflect those of others : https : XXXX # : ~ : text=If % 20you % 20believe % 20you 've , % 2Fcomplaint % 2C % 20according % 20to % 20Vahey Called NFCU today and a rep said they were not suppose to call or contact victims in this class action. It clearly states they're suppose to on this web page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Alorica Inc.
State: GA

Complaint narrative:
SST/XXXX is erroneously reporting debt on my credit file. I had a charge off with them that had been settled in XX/XX/2015and now they are reporting a balance on that charge off? I never received any notices or calls about this debt and it should not be reported to my credit file as i have settled my debt with them. I have attached a clip from my credit report where you an see this account and that i do not owe them any debt. I need it removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
I have attempted to contact this creditor but they will only accept mail correspondence. When I call numbers reported on my credit reports they are unable to pull my account up and am directed to mail correspondence for their credit customer service department. This account was closed XX/XX/XXXX and XXXX payments were made towards this debt when it was open XX/XX/XXXX and yet they are reporting that payments were made in XXXX. My reports say this debt was sold to DNF Associates and yet the address and contact information takes me to the original creditors site. I have attempted to contact DNF Associates as well as XXXX XXXX to settle this debt without any luck and would like it removed from my credit reports immediately. The debt continues to be validated with the credit bureaus when disputed and yet I am unable to get in contact with them to settle the debt.

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 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I notified SEQUIUM ASSET SOLUTION, Original creditor : XXXX  XXXX Reference Number : XXXX, Creditor : XXXX XXXX XXXX XXXX, Creditor Account Number : XXXX, Total Due : {$2400.00} about a fraud account they will not remove it thy received a letter on XXXX XXXX Sent A police report and a fraud letter still not remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: CORELOGIC INC
State: MA

Complaint narrative:
In authorized hard inquiries on my credit report must be caused from fraudulent activities

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 2021-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have been receiving daily or multiple times a day calls from Convergent Outsourcing , Inc . I was not able to determine who was calling me until today. When I began receiving the calls, from what is obviously a spiffed number and a non-existent area code, I called back to see who or what it was. I was asked, upon answering, if my name was XXXX someone. I replied no, and told them to stop calling my number. I told them I had no idea who the person you are trying to reach is. After stating this, I was immediately hung up on. I went through this three or more times over the next several months then stopped trying. The calls persisted once or twice a day and I even received one text. Today I answered the call and immediately asked to speak with a supervisor. I was instantly hung up on. I called back eight times asking for a manager or supervisor. I was variously told that he was in a meeting. He was unavailable. He would call me back if I provided my phone number. He would not speak to me unless I informed the agent what the reason for the call was, which when I provided it, resulted in being hung up on again. On call number 9, the agent who answered was a breath of fresh air acting professionally and putting me on hold to get a supervisor on the line. The supervisor was a woman named XXXX XXXX, Employee ID : XXXX. She addressed the issue professionally and assured me I would receive no more than two additional calls while the system removed me. Convergent Outsourcing violated my rights by continuing to call me repeatedly even after telling them multiple times they had the wrong number. When I called to correct them I was hung up on repeatedly. I want to file a claim for punitive damage. Can I do that at CFPB like I would be able to on the FTC website for unsolicited calls?

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 2021-04-26 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Credence Resource Management via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Credence has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

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 2021-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX someone tried opening a Capitol One/Cabellas credit card with my social security number. I immediately called all 3 credit bureaus and Capitol One and reported the fraud. On XX/XX/XXXX a second credit card with the same company was attempted again using my social security number. I called a second time and reported the fraud. I also wrote a letter to Capitol one and XXXX  to remove the hard inquiries on my credit report and froze my credit. I've now called again because now there are two addresses on my credit report that are not mine. This has hindered my credit and is absolutely ridiculous that it is now almost XX/XX/XXXX and this is still not corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
contact by freedom mortgage to move my arm to a fixed rate. 
set the closing like 2 weeks later so on XXXX supposed to close the loan. 
on the day of closing title company calls me and says they docs are not done. 
they are trying to get them done. meeting was at XXXX. 
I had a funeral to attend, so i agreed to meet at XXXX XXXX. 
left funeral early and XXXX XXXX  title company calls and says they still do not have it done. 

had 3 different closing statements go from them owning me money, to me owning money to XXXX. And when questioning mortgage company, they said it was escrow. when the truth was they calculated interest wrong. So call complain and even send email to ceo, asking if his people are really this bad. Talk to them and set it up for thurday to close on it XXXX they call back and say they have to rescheduled it again and tell me if i do not close within the time, then rates and all are null and void. 

So it was scheduled on XXXX and guess what, title company calls at XXXX on XXXX and says they are on there way to close, hour later get a call he decided i need to call him to confirm at XXXX for a XXXX XXXX  call. Was working and unable to call till XXXX. 
So he can not make the XXXX call and gave hiim to XXXX to get here. 

Says can not do it. and reschuled again. 


All of these problems are not my fault.

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 2021-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio recovery calls me from what it looks like.. Landline ( same area code as well ) I ask politley may Inask who is calling. Thru refuse to tell me. 
Om this certain call I was at work. In the middle of selling furniture to a family. 
I knew it was them because they always say ms. XXXX. Im not able to tell you that. She still cant tell me who it is. 
She said I can not disclose this info. 
I said well if you tell me what it's about maybe ill tell you who I am. Other than that im at work. This is rude to my customers. Im paying paralegals to yske care of this. It not supposed to eben be calling me. She said ms XXXX its portfolio recovery. I said im at work. If you can wait til im done with this sale. I can make a payment she was so adamant about tellimg me itll be quick. 
So i said I can't do anything. I tried if I miss this sale I can't pay yall nothing. 

My mom got pressured into getting it tsken outnof her XXXX check. Which is illegal. 

Then sent letters to XXXX mom sister amd me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC
State: VA

Complaint narrative:
I applied for an on line loan with XXXX XXXX and was approved for an unsecure loan for XXXX at a fixed interest rate for 5 years with a payment of {$980.00} by the 15 of each month. I have been paying on this account for 36 months paid a total of {$35000.00}. Due to high medical cost for my wife and bank fraud on my checking account. I called XXXX XXXX customer service on XXXX XX/XX/XXXX after I paid {$980.00} for XX/XX/XXXX payment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XXXX and XXXX payment and my XXXX and XXXX would be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of XXXX XXXX Managers so I called XXXX, XXXX still no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that XXXX XXXX never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at XXXX XXXX to discuss my payment plan and concerns over balance owed to date. Currently OLIPHANT FINANCIAL are trying to collect {$26000.00} I sent registered mail a Validation of Debt Letter with no response? I spoke with a representative who was very harsh like a mobster! I explained my circumstances and needed validation of debt? He directly told me he would need payments to resolve this debt in one year at {$2200.00} a month! I never heard back from this collection agent for over two years! Now started in XX/XX/XXXX continues phone calls daily and now a settlement letter dated XX/XX/XXXX with terms : 1 payment of {$14.00}, XXXX or 3 payments of {$5800.00} or 6 payments of {$3100.00}. This is not even reasonable since I already paid {$35000.00} of the XXXX owed at {$980.00} for 36 months!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: NJ

Complaint narrative:
On XX/XX/XXXX someone tried opening a XXXX XXXX credit card with my social security number. I immediately called all 3 credit bureaus and XXXX XXXX and reported the fraud. On XX/XX/XXXX a second credit card with the same company was attempted again using my social security number. I called a second time and reported the fraud. I also wrote a letter to XXXX XXXX and Experian to remove the hard inquiries on my credit report and froze my credit. I've now called again because now there are two addresses on my credit report that are not mine. This has hindered my credit and is absolutely ridiculous that it is now almost XX/XX/XXXX and this is still not corrected.

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 2021-04-26 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: Nelnet, Inc.
State: FL

Complaint narrative:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to the Department of Education / Nelnet via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Dept of Education / Nelnet has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Thank you Financial Consumer Protection Bureau for operating this consumer Complaint Center. I had a hard time trying to find someone for help. 

Navy Federal Credit Union Member XXXX XXXX XXXX Checking account ending in XXXX XXXX XXXX XXXX XXXX Member XXXX XXXX Reference : Incident # XXXX XXXX Without an authorized ACH affidavit signed by MsXXXX XXXX XXXX XXXX a Navy Federal Credit Union member XXXX Navy Federal Credit Union withdrew and transferred {$860.00}. from her checking account to an outside XXXX XXXX XXXX XXXX account in the name of XXXX XXXX. This illegal transfer by Navy Federal Credit Union was done on XX/XX/2020. 

Due to Navy Federal Credit Unions internal failure ... MsXXXX XXXX was without her necessary funds ( in the amount of {$860.00} XXXX for 13 consecutive days. 
a. XX/XX/2020 illegal transaction - withdraw and transfer to XXXX b. XX/XX/2020 NFCU provided a provisional credit to XXXX ' checking account NFCU 's refused to response by post mail ( as was the form of communication initiated by the NFCU member ) - instead they sent an undisclosed email response of having no liability in their error. Instead, NFCU wrongly pointed their fingers at XXXX XXXX, " ... XXXX holds the responsibility to ensure that the debit was authorized ... '' Navy FCU has not reference their assertion to banking law and plays on the member 's XXXX XXXX XXXX ignorance. 

Ms. XXXX XXXX did not authorize Navy Federal Credit Union or sign an ACH affidavit allowing XXXX XXXX XXXX XXXX to make a withdraw from her checking account ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation