vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
Recently, we have applied for a mortgage with Navy Federal Credit Union. The loan officer did not communicate with us at all until we called NFCU. She was unfriendly from the moment we were on the phone ( all phone calls are recorded and should be available for a review ).

We have requested a rush appraisal order. However, the appraisal has delayed unreasonably. We would like to have some evidence ( email, fax, phone calls ) that could prove the loan officer has communicated with the appraisal company and put a rush appraisal order on time.

Since the appraiser has completed the job on XX/XX/XXXX, it did not make sense to have more than a month delay in the appraisal report.

Another issue occurred exactly three days before our closing date ( XX/XX/XXXX ). The underwriter addressed an alert regarding SSN in my wife 's credit report, requested an SSA form, and suspended her for a fraud. 
My wife received her SSN after graduation ( issued on XX/XX/XXXX ) and started her OPT. Also, she received her XXXX XXXX from the XXXX. We strongly believe considering a wrong alert from a credit report company over the XXXX clearance process is controversial. 
In addition, the underwriter asked for a XXXX XXXX renewal from my wife as the underwriter did not have enough knowledge about the US immigration laws and system.

Interestingly, the underwriter had weird document requests during the process such as remote work authorization from my wifes company during the pandemic that most of us work/worked remotely including the NFCU staffs.

Yesterday, the supervisor explained that the underwriter and the department followed the guidelines. We have kindly requested a copy of the guidelines for our review. However, the supervisor declined to provide the document.

We would like CFPB to receive and review the guidelines regarding SSN and XXXX XXXX renewal in NFCU mortgage processing. 
The loan officer, her supervisor, and the underwriter hurt our dignity and put too much pressure on us. Our dignity is priceless and is worth more than the mortgage amount ( XXXX, with XXXX DP ). The NFCU staffs mentioned above hurt our dignity nonstop since we applied for the mortgage by delaying, mistreating, and asking for unreasonable documents. 
We have been patient enough until NFCU suspended my wife and our baby as a fraud which is unacceptable under the flag of the United States. 
We sincerely request to receive the documents mentioned above to prove that the mortgage application has been processed fairly and thoroughly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Notice to all, I know that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives therefor for the surnames/given XXXX, XXXX, and I have appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high creation only, whoever that may be, and I dispose the following facts, so be it, now present. 

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit Credit Acceptance is in violation of 15 usc 1605. ( a ) ( c ). this transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Credit Acceptance did not include my insurance in my finance charge. 

Credit Acceptance has violated my consumer rights and has committed mail fraud and identity define, pursuant to 18USC 1341 and 15USC1681q ( 3 ). XXXX XXXX XXXX cant extend credit to me, nor validate creditor for me, as I'm the natural and original creditor. 

On XX/XX/2016, I went into a finance agreement with my identifying information. During that time I was charged a finance charge, which did not include my insurance, and a {$4000.00} cash payment was taken and not added to my total charge. 

I've tried to settle this with Credit Acceptance for three years and they REFUSE to Abide by the law and my CEASE and Desist letter. They will not accept my affidavit of truth. Instead they use deciftul tactics and send me a bill stating that I requested a bill, which is false. They're committing crimes and using false tactics to ruin my reputation. 

They're acting as a creditor and consumer by using my ( XXXX XXXX ) identifying information and sharing it with the agencies listed above and validating debt as if they're in fact 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 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
Security Credit Services is currently reporting that I owe {$3400.00}. In which I do not this account does not belong to me. I was not properly notified of this account. I was just made aware of it after updating my Credit report.. this is a direct result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: FL

Complaint narrative:
I would like to file a complaint against Equiant Financial Svcs. I am being harassed with phone calls while they're using a different name, they disguise their identity as XXXX XXXX. Also, I only agreed to in house financing and not third party loans. My personal information were sold to this 3rd party company that opened an account under my name without my consent. My personal information has been breached. I never gave authorization & never had proper notification that this Equiant Financial is going to be collecting payments and/or reporting them. They are harassing me with phone calls to collect money but they're using a different name, under XXXX XXXX. I am submitting this complaint for abuse and deception of identity. They are violating FDCPA by harassing phone calls while using a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Paypal Credit : Advertises 0 % interests if paid off within 6 months. If not paid, off the amount of interest that would have accrued over the 6 months will all be applied to the account. 

If there are multiple purchases on the account using this promotional offer, any time a payment is made it is not applied to the oldest purchase. Instead they allocate the payment to the most recent purchase in order to maximize the amount of promotional interests they can charge. 

When calling paypal credit about this, they say any time a payment is made I must call and wait on hold for 45 minutes to 1 hour, to direct them on where to apply the payment otherwise it will go to the most recent purchase.

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have overdraft protection and yet the idiots at Bank of America keep charging me an overdraft fee of {$35.00} so as to put my account into the negative. 

I have repeatedly complained in person and by letter and email. But they do nothing to stop this outrageous abuse and harassment!

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 monetary relief
Consumer complaint received 2021-08-04 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I signed an apartment lease with my parents from XX/XX/XXXX until XX/XX/XXXX. My parents passed away in XXXX on XX/XX/XXXX and XXXX. I moved out on the last day of the lease. XXXX XXXX XXXX said I didn't owe money. However a collection debt in all joint names was sent to Nat'l Credit Systems acct no XXXX in XX/XX/XXXX for {$5000.00} from XXXX XXXX to reporting agency. I called them sent in the lease and death certificates for my parents. A property I applied at denied me residency due to this report. I disputed it through 3 bureau 's. The XXXX XXXX property I applied at denied my application before the dispute was announced. Which is still pending. I wasted {$100.00} app fee and a lot of time and was treated poorly for a clerical error. XXXX XXXX XXXX even went as far to not give me the application refund and told me even though my parents died and we were all clearly out the XXXX XXXX  by XX/XX/XXXX that I also absorbed their debt portion. Now I'm living in a hotel. Hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I attempted to use my Aspire credit card on XX/XX/XXXX and my purchase was declined. I called into Aspire and I was informed that the notes stated on XX/XX/XXXX I wanted my account closed. I informed them that I did not request to close my account and that my account stayed open over 30 days past the date of their notes thats another reason why I know their records are incorrect. I requested to hear the recording of that conversation and of course Aspire said it was not available. I have never received any communication from Aspire informing me that they closed my account. How can a company close my account without my permission??!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX XXXX is currently reporting that I owe {$3400.00}. In which I do not this account does not belong to me. I was not properly notified of this account. I was just made aware of it after updating my Credit report.. this is a direct result of identity theft.

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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
Debt occurred from identity theft and the collection company didnt even verify and filed a lawsuit on me. 

Zwicker & Accociates, P.C. for XXXX XXXX  XXXX and XXXX for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to CCS Collections in the amount of {$52.00}. This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action should this item not be deleted within the required time by law. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing medical information. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with any information on how they verified this false information. Plus, they can not verify something that is flat out against the law. 

Please assist me in this matter as this alleged debt and gross violation of several laws are gravely impacting my life. 

Thank you in advance!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TX

Complaint narrative:
Equifax is showing two bankruptcies on my credit report but XXXX has no record of any bankruptcies reporting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

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 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
3 charges totaling {$1400.00} were made against my discover credit card. I have submitted a fraud complaint to the company which they closed. I have asked for copies of signed purchase receipts, which they have failed to supply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: PA

Complaint narrative:
I notified XXXX  at a local branch that my Account had been skimmed while I was out of town. Unfortunately they still charged me for the transactions. I was recently declared a victim of identity theft because my information had already been compromised. I love trumark but I do feel that they mishandled my checking account by charging me for item I did not purchase as well as fees associated with this occurrence. I previously hadn't has any issues until this recent incident occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC
State: VA

Complaint narrative:
Debt occurred from identity theft and the collection company didnt even verify and filed a lawsuit on me. 

Brock and Scott

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
on XX/XX/2020 credit monitoring company contacted me regarding suspicious activity on credit report. Te same information was sent over to all three credit bureaus. These items should be removed from all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: KS

Complaint narrative:
First progress card requires you to pay XXXX XXXX deposit and that is your credit line once you pay that the card is activated. I did this and made two purchases resulting in around XXXX dollars debit. They then immediately closed my account and I keep calling and they hang up on me when I ask why my account was closed and request the remainder of my deposit back which would be around XXXX. I funded the deposit on XX/XX/XXXX and was canceled XX/XX/XXXX. Never received a bill that I did not pay in that amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: PA

Complaint narrative:
Dear CFB, I sent my second letter to TransUnion by certified mail regarding a public record ( USBK Court N.J. docket no. XXXX ) that is listed on my credit report. TransUnion sent me a letter that stated they verified that this incorrect item is mine but they did not tell how they verified it. FCRA 623 ( a ) ( 5 ) states if they can't verify this item with the Original Creditor, they must remove it from the credit file. I contacted USBK Court in NJ and they sent me a letter saying that they don't share information with credit bureaus or 3rd party organizations according to Federal and local law, BR 9037-1 ( a ) ( b ). Attached you will find my letter along with the certified mail slip and the letter from the Bk Court in NJ. I need TransUnion to remove this in accurate item from my 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
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to XXXX XXXX in the amount of {$910.00}. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing information that I deem to be private in nature. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with a notice of debt as required by the law and did not give me any information about how they verified this false information when I requested validation of the debt. Plus, they can not verify something that is flat out against the law. 

Please assist me in correcting these blatant violations of federal laws that serve to protect consumers as these violations are gravely impacting the quality of my and the lives of my family members. 

Thank you in advance!

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 2021-08-04 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: TX

Complaint narrative:
I have a collections account reported on my credit report that should not be. According to the statute of limitations in the State of Texas, creditors can not report an account if the account is older than 4yrs. This particular account in the amount of {$1400.00} was closed back in XX/XX/2016and the creditor is just now try reporting. Creditors has the right to contact me directly to resolve, but they do not have to right to report on my credit report if account is older than 4yrs. old.

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 2021-08-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: IA

Complaint narrative:
Novad stated in a recent complaint that it is beyond there control and in the hands of HUD. This is not an accurate statement. As I was informed on XX/XX/XXXX via phone by a NOVAD representative that the title was being reviewed by an attorney, HUD completed review in XX/XX/XXXX.

Company response to consumer: Closed with explanation