vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off Navy Federal and XXXX XXXX. Dealership never paid XXXX XXXX or Navy Federal left me with XXXX loans. I filed police report and customer compliant at XXXX  XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. Navy Federal is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
On XX/XX/XXXX, I requested via certified # XXXX XXXX XXXX XXXX XXXX RESURGENT CAPITAL to cease communicating with me, after which I was contacted several times and I requested any documents bearing my signature that prove I have a legally binding obligation to pay the alleged amount. On XX/XX/XXXX, I received a fake print out and RESURGENT CAPITAL are stating the copies as evidence of my legal obligations. In accordance with the FTC opinion letter from Attorney XXXX XXXX XXXX, I would like to remind RESURGENT CAPITAL that a printout of a bill or itemized document does not constitute verification. 
A copy of any documents, bearing my signature, showing that I have a legal obligation to pay RESURGENT CAPITAL the alleged amount is again requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
BSI Financial services has failed to process multiple payments in a timely manner including for XX/XX/XXXX. They keep blaming a " delay in mail '' on this issue. I sent the XXXX payment on XXXX XXXX, XXXX and it was not processed until XX/XX/XXXX. I was on vacation when I realized the payment was going to be passed the late fee date so I called customer service ( which is always a joke to deal with ). They did nothing but tell me the mail was late. I had to call multiple times and try to stop payment on the check which I was unable to do while on vacation. A representative told me they had stopped the payment on their side, which was a lie. I then scheduled a payment so I would not get tagged with late fees. XXXX  payments then got taken out of my account, one on XX/XX/XXXX and the other on XX/XX/XXXX which caused me to incur fees from my bank. I called to complain but nothing was resolved. Now I am having to deal with them not providing me with a 1098 tax form. It was allegedly sent via mail on XX/XX/XXXX but got lost to a " delay in the mail system ''. My tax information is also not posted on their website and I am having difficulty getting them to provide it. This includes a request on XX/XX/XXXX in which I was told I could not have both a print and emailed copy sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
I was scammed through Crypto.com of XXXX dollars and Crypto.com wont do anything about it. 
Currently using a lawyer still nothing from Crypto.com other than sucks to be you pretty much. They should have had more help on red flags before moving that kind of money around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am, XXXX XXXX consumer and natural live in person submitting this complaint and there is no third party involved. I received a email from PayPal stating that they were giving my personal information to a third party debt collector. PayPal has committed fraud and I did not consent benefit and authorize this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 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: MS

Complaint narrative:
I have sent dispute letter on XX/XX/XXXX via Consumer Financial Protection Bureau, XXXX XXXX response on XX/XX/XXXX saying the investigation complete. A review of your account history provided by XXXX Department of Education XXXX XXXX confirmed your loan was accurately reported past due to the consumer reporting agencies from XXXX through XX/XX/XXXX prior to forbearance being applied on XX/XX/XXXX. 

FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files. FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Late payments and utilization are illegal 15 usc 1681 a ( 2 ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ) Dept/Aidvantage Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment 2 different years, Balance update Instruction : Please update payment history current/never late or deleted the account PLEASE SEE ALL ATTACH DOCUMENT

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 2022-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I spoke with XXXX XXXX XXXX ) XXXX XXXX ID XXXX at USAA to start a VA XXXX XXXX  for a property in Maine. We described the situation and he said it should not be a problem. The situation being that my father in law had passed away, my husband would stay in Maryland and work while my children and myself move up to Maine to take care of my mother in law. We made an offer on a house, it was accepted and the loan went into underwriting. At which time I received a call from XXXX XXXX on XX/XX/XXXX explaining to me that the USAA underwriter was denying my loan because my husband would live and work out of state. We clarified with XXXX XXXX XXXX from the VA XXXX XXXX  Department that we could live apart, my husband can work in Maryland and still use his income to qualify for the loan. We proceeded with another lender we had been pre-approved with, XXXX XXXX, who stated they did not have the same stipulation as USAA for a VA XXXX. On XX/XX/2022 XXXX XXXX XXXX ID XXXX at USAA told the seller we were not moving forward. I am not 100 % how the employee gets to tell a seller we are not moving forward with the loan, this is a privacy act issue, or even the purchase of the house which is not the case at all. Today after opening a complaint with USAA they sent an email XXXX to inform us that they were declining the loan due to debt to income ratio which comes across as retaliatory in nature. I called to clarify with XXXX XXXX XXXX # XXXX in USAA 's XXXX Department and confirmed they did not actually include my husband 's income in our loan. It seems that USAA has a private policy that will not let them use his income as part of our income for the purchase of the loan. This in my opinion should have been told to us at the beginning during our preapproval process.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: FL

Complaint narrative:
XXXX appears on credit report as debit owed. Im not aware of this account and reported as a fraudulent account. I contacted the company who could not verify my SS # stating they don't know it. Contacted Eqifax who clams it was verified. How can Equifax claim I was verified when the company don't know my SS #. They only have a name and address and DOB that was breached When I called Equifax they took me through a process to verify me and said I was off by a balance and refuse to give me information. Equifax then informed me that mt FTC report was invalid because I did'nt have the exact dates of the inquiries. I was advised mt FTC report needed to be updated and it would be removed within 4 days, Nevertheless they still continue to report this false information on my credit report. This information was told to me by Equifax XXXX XXXX id number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: CA

Complaint narrative:
XXXX XXXX Account is inaccurately being reported., This account amount first became delinquent XX/XX/XXXX, was not brought current afterwards. Account is old and should be removed off Equifax. Equifax also reporting inaccurate information on a car loan account with XXXX XXXX. This car loan account was not late XXXX XXXX  XX/XX/XXXX. I made payments over the phone with XXXX XXXX representative ( XXXX separate payments for each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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 — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I was a victim of identity theft in which someone broke into my home and stole personal information from me including my social security card, driver license, and several other important documents. Someone fraudulently took out a loan in my name. I tried to inform the company of this but kept getting told different things. I have asked the collection agency, NCA, to send me proof of this account and any contract relating to it. Upon further investigation, I have also learned that the original creditor, XXXX XXXX is no longer in business. Therefore, I would assume that any contracts with the company are now null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: MS

Complaint narrative:
I have sent dispute letter on XX/XX/XXXX via Consumer Financial Protection Bureau, XXXX XXXX response on XX/XX/XXXX saying the investigation complete. A review of your account history provided by XXXX Department of Education XXXX XXXX confirmed your loan was accurately reported past due to the consumer reporting agencies from XXXX through XX/XX/XXXX prior to forbearance being applied on XX/XX/XXXX. 

FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files. FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Late payments and utilization are illegal 15 usc 1681 a ( 2 ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ) Dept/Aidvantage Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment 2 different years, Balance update Instruction : Please update payment history current/never late or deleted the account PLEASE SEE ALL ATTACH DOCUMENT

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 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
In XXXX / XXXX of XXXX I noticed a collections account added to my CR from Convergent. I contacted them regarding the invalid information posted and asked for verification that I owe them any money. The account they claim to have been sent was from XXXX. 

I reached out to XXXX and was told that I do NOT have any account in collections, but I did have a past due balance. I paid the amount in question to them. 

On XX/XX/XXXX, I received a response from Convergent with my XXXX bills from XXXX through XXXX. I searched through all of the documentation, and I saw nothing stating that I owe any money to Collections. It did show my payment for the past due balance on paid XX/XX/XXXX. 

I looked at the XXXX bill to see if there are any mentions of Convergent in the " Ways to pay your bill : '' section and saw nothing. 

On XX/XX/XXXX I sent a letter to Convergent via certified mail. I see that it was delivered XX/XX/XXXX, at XXXXXXXX XXXX. and signed for by XXXX XXXX. 

As of my submitting this complaint I have not received any response from Convergent and this invalid derogatory information is still posted on my Credit Reports.

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 2022-02-22 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS 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
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: IL

Complaint narrative:
In XX/XX/XXXX, based on a friend 's recommendation, I visited a vacation rental home website to rent her neighbor 's property in XXXX, California, USA. The vacation rental home website is called : XXXX. I used the right side of the website called " Contact Owner '' to reach out to the owner. I received an email from the owner, XXXX, who let me know that the property was only available for 26 days at a time, as such, I did not move forward. I also received another email from the email address : XXXX. The contact was named XXXX XXXX who asked for desired check-in/out dates, number of bedrooms, and preferred location. He also asked about preferred budget and stated that he manages a lot of properties and could offer an attractive discount. I responded with my preferences and he sent an offer for a vacation rental property. He included a link to view the property via XXXX. I asked for the address of the property and he provided the following address : XXXX XXXX XXXX XXXX, California. He let me know that 50 % of the total was due as a deposit and the remaining amount was due 30 days prior to the arrival date. He also let me know that the owners of the property live in XXXX and require payment with the company XXXX ( formerly TransferWise ). I recognize XXXX as I have used the company in the past and already had an account. Therefore, on XX/XX/XXXX, I sent the money through XXXX to the stated " Owners '' of the property : XXXX XXXX and XXXX XXXX. 
Eight days later, I realized that the transaction was a scam after Googling the email address ( XXXX ). There were at least 20 reviewers with similar experiences that claimed this entity was a scammer for rental properties. At this point ( on XX/XX/XXXX ), I reached back out to XXXX via email to ask for the money back, and he agreed to send the money via check to my mailing address. However, the check did not arrive. I let him know that the money did not arrive and asked him to reverse the XXXX transaction. However, I did not receive a response from XXXX. After this, I contacted my bank. My bank provided a temporary reimbursement while an investigation was performed. After the investigation was complete 60 days later ( XX/XX/XXXX ), the reimbursement was removed since my bank determined that XXXX is the company responsible in this matter. As such, I am looking to get a refund for the amount with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received an email dated XX/XX/2022 informing me that I was entitled to Credit monitoring because of a Data Security Breach. They gave me a claim # ( XXXX ), and login code of XXXX. I clicked the link provided by Experian, filled out the form using the code they sent me. However, their response was " We can not verify your identity ''. My Social Security # is XXXX. My complaint is that they are making extremely difficult to get this service. If they are doing it to me, they are doing it to thousands of other consumers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Account Number : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report

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