vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Navy Federal Credit Union, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX I sent a written request toNavy Federal Credit Union, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Navy Federal Credit Union. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe thatNavy Federal Credit Union 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Navy Federal Credit Union with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Navy Federal Credit Union be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CrossCountry Mortgage LLC
State: MO

Complaint narrative:
Ive requested all forbearance letters exit and entry of forbearance and documentation of any extensions, Cross country mortgage and the loan serviced has not produce any forbearance documentation letters, this has prevented me from refinancing my loan with new mortgage company they failed to produce theses documents going on thirty days or refuse to research and give me copies if no copies available they should produce such letters for exit of forbearance and any extension For loan XXXX without this documentation I can not refinance my loan, Ive lost XXXX trying to correct this Im ask them for all documents by XX/XX/XXXX or will take legal action of being able to produce require documentation for this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For several months of 2023, I have tried to solve a problem with the XXXX XXXX bank account, in which I sent you a letter explaining the situation since this account was closed, paid in full but in my report it appears to me that it had 2 late payments. 

Unfortunately I was a victim of bank theft and this account the bank made the refund of the security payments but once the problem was solved the account was paid and this problem was never had. 

I sent a letter waiting for a response from the company and to date I have not received any notification, I made several calls so that please with the evidence sent this will be removed from my report, because it is an account that is not due and that only affects my credit. 

The person in charge notified me that since the account is closed they can not make the modification that this modification must be made through the credit agencies since they can not delete this so I ask that this information be corrected or removed 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
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc
State: OH

Complaint narrative:
I sent a letter requesting debt validation in XXXX. Instead of validating the debt, they sent a list of my medical records which I know is a direct violation of XXXX regulations. This agency failed to validate my debt and violated my privacy rights as a result. I understand that debt XXXX are required to use minimal information necessary to identify individuals with information such as name, date of birth, address, social security number, name/address of the facility, etc. I never signed a XXXX form authorizing this debt collector to have access to this personal medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc.
State: PA

Complaint narrative:
CarMax Auto Finance engaged in knowing and willful fraud during a consumer credit transaction on XX/XX/2020. I firmly believe this transaction is void due to deceptive practices. They failed to provide adequate notice about finance charges and imposed unnecessary insurance, already included in the finance charge, infringing on my consumer rights. 

Insufficient finance charge notice deprived me of an informed choice. Pressure to buy additional insurance placed an unjust financial burden on me. Worse still, CarMax Auto Finance unfairly furnished incomplete and inaccurate information on my credit report, damaging my credit and credibility. 

I strongly assert that CarMax Auto Finance 's deceptive practices nullify the contract due to fraud. I urgently seek your assistance to investigate, rectify my credit report, and shield others from such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello- I have been disputing the reporting inaccuracies on the following account since XX/XX/2023. 

Account Name : [ XXXX ] Account Number : [ XXXX ] for the reporting on the following dates : XXXX This account is closed and should not be reporting active late payments. Upon review, I have observed that this account continues to be reported as having a late monthly payment history, even though it should not due to its charged-off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

This reporting violates the following consumer laws- 15 U.S. Code 1681a - Definitions ; rules of construction I U.S. Code | US Law | LII / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, XXXX XXXX, hold the right to have accurate XXXX current, and complete information on my credit report. Late payments fall under transactions & experiences and are illegal to continue to report as stated by the FCRA. 

Experian has been non-responsive, is well past 30 days for updated reporting and continues to instead send letters and emails to my address accusing me of not being myself and not acting on my requests.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: LA

Complaint narrative:
On XX/XX/2022, there was a transaction made from my account with an amount of {$1900.00} and I did not recognize that transaction. I told my credit card company and gave them all the documents they requested and still, I was told that the dispute was not resolved in my favor. I feel that the investigation was not conducted properly. Then I made a payment of the same amount but it was not reflecting on my account. So I contacted the company and they sent me an email saying that they were able to locate it but they never posted it on my account. I have not only been charged with the amount but also charged twice because my payment was never reflected on my account even though the company was able to locate it. This whole thing has impacted my credit score badly and the company is not listening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2023 I sent out certified and notarized written correspondence to Equifax demanding that they remove all accounts that were illegally reporting and all accounts that were not consistent with the same accounts listed with other credit reporting agencies. Equifax has failed to remove these items and continues to report this wrong and illegal information. It is the discretion of the consumer to what should be reported on the consumer report and Equifax fails to comply with my requests. I have sent in print outs of all 3 consumer reports highlighting the accounts that were inconsistent and none have yet to be cleared. I have attached a copy of my XXXX consumer report showing that XXXX has complied and deleted the requested accounts. Equifax must follow suit or face litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I see this account is still not remove. Please delete.15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

These accounts are identity theft. Please delete.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: IA

Complaint narrative:
XX/XX/2023 I received a credit card from a company and on the card was an activation sticker for Fortiva. So I called the number to activate the card and the automated system couldn't find my information. So I spoke with a man who couldn't find it either and asked for more information to " try to find it ''. I didn't think anything of it because it's not unheard of for companies to outsource certain things. It didn't seem odd that Fortiva may have been handling the activations for my card company. Well, the man said he couldn't find the account and told me I should reach out to the company that I got the card through. I asked him who I should speak with about the sticker being on my card and he hung up which seemed odd. So I trying looking the number up, and clearly it's a ghost number. So I called Fortiva directly from the number on their website to discuss the issue with their fraud/scam department ( concerned I just gave my private info to a scammer ). They looked for my account ( which I explained that I do not have ). The lady informed me that I can't do anything with fraud or scams unless I have an account. She offered to transfer me to applications. I explained that I am not interested in an account, but I am concerned that there is a scammer pretending to be a representative of Fortiva with activation stickers being placed on credit cards to gather personal information. She stood her ground that there was nothing they could do unless I had an active account with them. Thankfully the company I received the card from was quick about canceling the card and marking it for fraud, but it still raises the question for me as to how and why this activation sticker was put on my card with a ghost number for people pretending to work for Fortiva.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Goal Structured Solutions, LLC
State: NJ

Complaint narrative:
I demand that this company be reported for engaging in fraudulent activities and misusing my information, and I insist on the immediate deletion of any references connecting me to this account. Please remove all old addresses and personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I, XXXX XXXX made a complaint about Freedom Debt Relief misleading ( CFPB complaint ID # XXXX ) on XX/XX/XXXX. After that complaint, FDR contacted me to solve issue. FDR stopped drafting out my money and tried paying off to creditors. Then set up my graduation date on XX/XX/XXXX. FDR drafted bi weekly as program deposit since XX/XX/XXXX to XX/XX/XXXX is {$22000.00}. I enrolled in 9 debts amount is {$21000.00}. XXXX over withdrawal amount is {$1000.00}. FDR refunded to me only {$940.00} on XX/XX/XXXX. FDR promised and showed in my client dashboard that XXXX XXXX to date amount is {$4500.00}. FDR paid to all creditors amount is {$16000.00}. 
{$22000.00} - {$940.00} = {$21000.00} {$21000.00} - {$16000.00} = $ XXXX I pay {$21000.00} ( over {$110.00} ) for my total debt {$21000.00} and my question is what's my benefit to enroll in the Freedom Debt Relief program? Where's {$4700.00}? FDR made misleading and lack of negotiation to more interest of debt that I enrolled. 
1 ) If I didn't make first complaint to CFPB, FDR will continue stealing my money and pushing me down to the XXXX. FDR do negotiation for their profit only, not for clients. FDR extend the program period to get more gain. 
2 ) I made payoff amount by borrowing in XX/XX/XXXX to end program to control my financial situation. But FDR didn't stop and I couldn't control my interest payments behind the program. FDR ripped me off, broke family life, mentally, financially, physically and FDR did discrimination to me also. Now my entire life is totally mess up. I had phoned and messaged with FDR many times and begging and request but FDR didn't please to me. FDR has all recorded conversation with me.

3 ) I do truly statement that Freedom Debt ReliefXX/XX/XXXXand I'm a XXXX person. FDR takes clients ' hardship pure white money, tears, blood andXX/XX/XXXX to the clients. 
4 ) I humbly request to CFPB that please publish my statement complaint to the public, everyone to avoid Freedom Debt Relief 's trap and GIVE PUNISHMENT TO FREEDOM DEBT RELIEF. 
Appreciated and sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX Va Police Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: AR

Complaint narrative:
I received a correspondence today, XX/XX/2023 that I paid {$140.00} or so and that I have a XXXX balance, I always verify as i dont trust this firm as had problems prior when I filed a complaint against FNBO . 

I called the number on the card XXXX at XXXX hours and went thru the promps... .says I do not have an account, this is news to me. 

Then i was put on hold to find out why I do not have an account anymore. 

Never got thru after hold time of over XXXX minus, what is going on over there?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have had a wave garnishment sitting at my employer now since XXXX and they company sent me notice today XX/XX/XXXX that they are going to try to garnish me again for the same debt that is waiting for a turnover letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.

Complaint narrative:
I want to pay off student loans I live in XXXX I want to make payment by XXXX XXXX transfer I need bank details- Name, Account numbert, XXXX, XXXX  and XXXX  codes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
There was an eviction process that went through XXXX XXXX XXXX. We went to court XX/XX/2022. XXXX stated that if I were out by XX/XX/XXXX, I would not owe apartments anything. Showed up to court on XX/XX/XXXX stating I was gone, clerk told me case would be dismissed without giving me paperwork that stated this information. Received documentation XXXX weeks later stating that XXXX said I was not out by said date and time that was ruled by judge. The judgment was given to them without my knowledge. Went to court house to rectify situation with video footage showing I turned key in and also a contract showing my movers were done moving by agreed time. XXXX house supervisor stated the case would be sealed off showing there wouldn't be a judgement for either side because of falsified information coming from XXXX XXXX. Before this judgement was given, XXXX sold the debt to The National Credit System. They have not properly contacted me, not by mail or email stating what the fees are for only that they are working on behalf of XXXX, which was a very quick phone call. Ive sent XXXX certified letters to National credit system asking for original contract with my signature for validation of debt and no one has replied.

Company response to consumer: Closed with explanation