vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
This complaint is being submitted in reference to incident XXXX On XX/XX/2022 my employment check entered my account. Which gave me a running balance of XXXX The only amount that came out my account during this week... is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Giving a total of XXXX! At this time I made to XXXX dollars XXXX  tranfer XXXX to XXXX XXXX and another to XXXX. Giving me a new balance of XXXX. My wife took XXXX from my account using a XXXX  XXXX XXXX atm, it cost me a XXXX dollar fee. She also went to XXXX costing XXXX. I got gas from krogers this morning for XXXX. Bring my balance to XXXX This showing the XXXX XXXX dollars XXXX  transfer never reentered my account. If it did my account balance would show XXXX! 

I want my money! 


Someone changed my transaction... 
Because if we add all of the deposit together with the XXXX zelle transfer. Add them back to the account and taken all the transaction amounts away from that running balance. I would have to had to over draft or my balance would only be XXXX. Not XXXX so somewhere someone is getting over. And i just want my money A XXXX deposit which makes the balance XXXX. The XXXX XXXX dollars XXXX  transfer, XXXX autozone deposit, and a mobile deposit for XXXX. Giving me an amount of XXXX. According to the new transaction history. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX making my balance XXXX! Please help me understand how is this so... if I currently have XXXX in my account. 

This second transaction history is someone trying to cover up there tracks for stealing my money. Please look at everything and return my money This same incident happened to me about a month ago and nothing was done to correct my problem. Want this incident fixed as well please. And my money return to my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: VA

Complaint narrative:
The debt occurred and they claim to have tried to collect while we were in bankruptcy. 
This organization never provided formal, required communications to me after the bankruptcy was discharged. They then claim they sent something, however that is not true ; further I have changed addressed and did not furnish them with a new one because they never formally or appropriately communicated. I never had the ability to know of the debt and whether they were legally entitled to collect on it, nor dispute it. They magically then put it on my credit as a collection item 4 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter to XXXX, XXXX and Equifax regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

Attached is my original copy of my dispute with them! 
Please attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: CA

Complaint narrative:
On XXXX2022 I sent a letter to XXXX, Experian and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Attached is my original copy of my dispute with them! 
Please attached files.

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 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Over the last XXXX years I've attempted to have an escrow account set up with the loan serviced. First year it went from XXXX ear to through the other. This past year. I got the escrow analysis letters. I missed placed them so I go to the online portal to see if I can find the info. I can not. In XXXX different occasions I couldn't. One third occasion they stated they themselves on a call could not find the escrow analysis letter so she would start the escrow request again. Here we are on XXXX and I call for follow up from my call and nothing. The escrow analysis did not exist again. This time my insurance lapsed even thou I uploaded the bill which they sent via mail and escrow amount. I called the credit union for help because ALL mail has their logo/letterhead. They told me they could help me. My issue was with the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
We bought out the lease for our vehicle in full with Hyundai Motor Finance on XX/XX/XXXX. Payment was issued to Hyundai Motor Finance in the amount of {$19000.00} which included the remaining balance of the lease in addition to the Illinois sales tax owed in the amount of {$1200.00}. 

On XX/XX/XXXX we received the following documents : Bill of sale, Title, and a Illinois Department of revenue ST-556 Sales Tax Transaction Return form. 

We took all of these documents to the DMV with the goal of transferring the title and registration from Hyundai Motor Finance into our names. The DMV declined our request because they cited a lack of any evidence showing that the Illinois Sales tax has been paid. I showed them the form ST-556, however they said there is no confirmation stamp or transaction number referenced demonstrating that the payment has been made. I attempted to go back a second time, and was again declined for the same reason. The supervisor even called the Illinois department of revenue, referencing the tax return form and they confirmed they did not see the payment of {$1200.00} referenced on the form given to us by Hyundai Motor Finance. 

I have called Hyundai Motor Finance numerous times ( at least XXXX separate occasions ) since then between XX/XX/XXXX and XX/XX/XXXX and have spoken to both regular sales reps and supervisors giving them this background information and requesting a " sales tax paid letter '' demonstrating proof of payment of the sales tax to the state of Illinois. Each time I was told that this was handled by a separate " back office accounting department '' which nobody can talk to directly and that they can only send them an email relaying my ask. Each time I was promised to be given the sales tax payment proof within XXXX business days ( sometimes via mail, sometimes via email, other times via the website direct messaging ) and in the end I never received anything from them on any of these occasions. The best they could do was send me another duplicate copy of the same ST556 form which was useless. I have attempted to file complaints with supervisors, and that also had no effect.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section @ : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section @ : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
I have been working with loan company for a few years before COVID I was approved with modifications and paper work with my father In law whos a veteran on our home. I have been spun around in circles. I had to hire an attorney. Please help.

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 2022-03-31 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: PA

Complaint narrative:
Equifax needs to fix the issues about the inaccurate information for the unauthorized inquiry and reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the item since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the inquiry that I am disputing : Inquiries : XXXX  XXXX XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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:
TransUnion needs to fix the issues about the inaccurate information for the unauthorized inquiries and personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and personal informations that I am disputing : Personal Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Inquiries : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-31 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
XXXX XXXX I signed up for a membership to XXXX XXXX  for {$42.00} a month. The next day I tried to contact them to cancel my membership due to the fact that visits were extremely limited and reservations were required for limited time blocks due to the pandemic. This was not explained when I signed up. I tried calling several times leaving voicemails with my information and the reason I was calling. I did not receive a call back or any response. I called the corporate office to see if maybe they could do anything but I was told I needed to go through guest relations. So I emailed them and finally received a response back on XX/XX/XXXX, with a case number XXXX. I waited a week to hear back from them but no one contacted me. I emailed them a couple more times and finally received another email from them with a different case number XXXX. Again I waited for a response. By this time my credit card was charged once again for a service I wasnt using. I emailed them again on XX/XX/XXXX and informed them payments would be stopped since XXXX XXXX received a response from them. Still no response. XX/XX/XXXX XXXX received an email from XXXX XXXX  requesting I contact them about payment to my account, HOW!! The next email I received was XX/XX/XXXX, asking me to contact guest relations because they needed my help to update payment information. I attempted to call WITH NO response. Then on XX/XX/XXXX, I received a letter from CACi stating my account had been turned over to them for collections. I emailed them to dispute the validity of the collection XXXX. No response from them as well. I called CACi and spoke with a representative and explained the situation to him. He said they received my email and sent an email to me but it was an incorrect email. How is that possible when I emailed them from my email address?? So he updated my email and told me they would get back with me. I never received an email, phone call or letter in the mail from them with a response. Then XX/XX/2022, I noticed a new collection on my credit reports from Consumer Adjustment for the amount of {$610.00}. 
WHAT!! How is this even legal. And where did they come up with that sum?? Now I have been back and forth with all three credit bureaus for the past XXXX months disputing this collection. I have submitted documents and called the credit bureaus without resolve. Please help me to resolve this matter and remove this collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Plato, LLC
State: NC

Complaint narrative:
This company offered a service that they did not deliver. I filed a complaint with the XXXX  and received a refund from Simplio Labs. I am attaching all complaint I made against this company. I provided my updated credit report in which the type of business of this company is not listed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX Central States Recovery reported a medical debt which they claim I owe to my credit report. This is for XXXX dollars. They never tried to contact me, and all of my contact information from the original account is still the same and or has been updated as such. They also reported incorrect dates and other information so that they can avoid the No Surprises Act and violate my rights under such law. The account they are claiming I owe is from a car accident which I wasnt at fault, and it is still in litigation. My attorney- XXXX XXXX XXXX XXXX reached out to them unsuccessfully and is trying daily. This shouldve never ever been reported to my credit. They have violated multiple rights - No Surprises Act violation, they furnished inaccurate information to the consumer credit agencies, and they never even contacted me first - to allow me the opportunity to inform them this matter is still in litigation I do have an attorney - XXXX XXXX, and regardless to settle the matter I wouldve paid right then. Instead, they chose to destroy my credit instead of any due diligence or contact. If they say we had incorrect contact information my info hasnt changed in 3 years and this happened less than a year ago, and XXXX, XXXX, and XXXX all have my correct information updated so they clearly didnt try to do any diligent research before just parking this on my debt. I believe this was done because the main XXXX credit reporting agencies mentioned above issued a statement recently that beginning in XXXX, they will no longer list medical debts under {$500.00} and this was an attempt to do a mass collection or provoke as many payments as possible while they still have the opportunity and in doing so they completely violated many of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
signed up for Chase XXXX XXXX card. They had XXXX reward point promotion if $ XXXX spent in 90 days. As I went to make the final purchase a few days before the deadline, their fraud system flagged a purchase attempt and the card was locked for several days until they responded to my inquiry. After that, the deadline had passed and after multiple requests, they will not honor the promotion.

Company response to consumer: Closed with explanation