vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
In response to Covington Credit, I would like to inform you of the inaccurate reporting on my credit file. I never authorized any accounts with Covington Credit. If Covington Credit has the right to report this account to my credit file I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681, and in pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with XX/XX/XXXX. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my public consumer credit file. All information in pursuant to the FCRA section 609. Please provide all records in regard to FCRA section 609.

Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurate information be immediately removed from my credit file.

The Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had a credit freeze and fraud alert from a previous data bread starting 2019. Since checking my report I noticed numerous inquiries from companies I have no relationship with. I have contacted both the companies and credit bureaus to resolve but only given computer generated responses that they are verified with no proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX loans Dates, amounts, and actions that were taken by you or the company are attached in the link below I would like to resolve this matter by the creditor having to cease and desist any further collection of any alleged debts they claim I owe. According to the Fair debt collection practice act and section 609 law, they don't have the right to collect the debt without providing me with my original instrument of INDEBTEDNESS. Therefore all those items in dispute must cease and desist immediately! 


Also I expect the credit bureaus to remove those items from my credit report immediately, or I would like to proceed with a litigation process immediately against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
my problem is im paying toward my principle and it is not being applied. they are putting it in a unapplied holding place, i made paymennts from another bank vai check and they told me their bank can not read what the check is for. then i ask for the money back because they was puting it as a payment but there are no reductions, on the next line. they were adding instead of subtracting, then i got mad after filling numerouse complaints ask for my money that was in holdin and that was not applied, they only sent me back one moth payment, i told them the amout i was paying since XXXX but they only sent back what they want to send me. i have another complaint with them right now about holding funds and charging late payment to have a reason to take my funds, please help i think they are taking atvantage of me because i dont know how to get them to make right there wrong.

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 2021-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently applied and was approved for a macys store card. The website was down and the phone department seamed to always be down and unavailable to service my needs. I was approved for a card about 90 days ago, and I haven't received my statements or anything yet. I made 2 payments in the store at macys and just received my card. There is such vague information about this account, and I'm able to pay bill online, app, phone, or instore. If I make a payment on the phone they charge a fee that can't be refunded 9r waived. The ability to make a payment is not available for me and this seams alarming. The ability is always their, but is always down for service and then I try to make a payment input the checking account information and it won't take it. The account says they take debit card Information as well and there is no way to put that In the system as well. I call to make a payment on my account with a debit card and they charge me a fee to make a payment that is impossible for me to pay other ways, online, app, or on the phone due to the system always having issues and freezes and crashes for unknown reasons I reported to macys. But my complaint is they charge even if the other ways are out of order. Not fair.

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 2021-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Great Lakes Student Loan would like to resolve this matter by the creditor having to cease and desist any further collection of any alleged debts they claim I owe. According to the Fair debt collection practice act and the section 609 law, they don't have the right to collect the debt without providing me with my original instrument of INDEBTEDNESS. Therefore all those items in dispute must cease and desist immediately! 
Also I expect the credit bureaus to remove those items from my credit report immediately, or I would like to proceed with a litigation process immediately against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have written Caine and Weiner about a collection on my report asking them to verify this debt as mine. They have not sent back any proper paperwork showing this is mine. They sent a bill, which anyone can make up a bill and send.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
on XX/XX/2023, i sent letters to the CRAs ( TRANSUNION, XXXX, AND XXXX  XXXX disputing the inaccurate personal information that they are reporting on my credit report that can lead to identity theft.Asking them to update and correct it as soon as possible and i have attached copies of the letters below.

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 2021-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: AL

Complaint narrative:
XX/XX/2021 I received an Email from XXXX XXXX of Williams & Fudge , Inc . This notified me of a debt from a school I previously attended ( which hadn't explained this debt to me either when I asked about it previously either ), it said if I disputed it or requested validation from their office " in writing '' within 30 days, they would validate and send me something verifying the debt. I responded to the email the same day and asked for them to show me where the debt came from, as I don't understand how I owed the school or now this debt collector since I was told my loans were covering my school costs in total. 

The office has yet to respond to my email, I sent another email XX/XX/2021 when a collections was reported on my credit report, to ask where my " copy of judgment '' was that they said they'd send if I requested validation. I read online that I have a right to recieve documentation/documents that validate my debts within 30 days of requesting it. Haven't gotten it, and I want this debt written off since this company is violating my rights as a consumer. I dont know how to approach the company about this, as I figure they wouldn't be interested in admitting errors and writing away my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
As a borrower, since XX/XX/XXXX I have been struggling to repay my Navient loan off. The original principal was {$2500.00} and the unpaid principal as of XX/XX/XXXX is {$5400.00}. The interest type - ( variable ) with an interest rate of 7.25 %. 

I can definitely say I have been misrepresented and misguided over the years from plenty of Navient workers steering me toward multiple forbearances instead of income-driven repayment plans due to their lack of knowledge and unfair and deceptive practices. I am currently in a forbearance and although my payments are suspended temporarily, the interest continues to accumulate and I am paying more interest on their interest! 

I am struggling to stay float and this is negatively reporting to the 3 bureaus. I have been dealing with this for 18 years and I have received thousands of persistent " robocalls '' yet the center practices to better serve me as the borrower is a complete nightmare. Navient lack of training and customer service shows greatly and navigating through the complexity of this has caused great difficulty. Navient workers are too busy to give personalized advice to the borrower and I am exhausted with them reading from a script and there incompetency. My estimated payoff date is XXXX/XXXX/XXXX. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Thursday, XX/XX/2021, I, XXXX XXXX received mail from Exeter Finance stating that I owed {$550.00} and if I didn't remit payment to them that they would repossess my vehicle. According to 15 USC 1692b ( 2 ), there is no debt collector that has the right to state that a consumer owes any debt. According to 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ) and 15 USC 1692f ( 6A ), no debt collector has the right to threaten to take any legal action against a consumer and has no rights to seize any property. Exeter Finance is also in violation of 15 USC 1692e ( 2A ) for false, deceptive and misleading information. In 31 USC 3123, the U.S. Government. is pledged to pay, in legal tender, principal and interest on the obligation of the Government. The Articles of Confederation in Article 12 states that : " All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress, before the assembling of the United States, in pursuance of the present confederation, shall be deemed as considered a charge against the United States, for payment and satisfaction whereof the said United States, and the public faith are hereby solemnly pledged. '' I have also been harrassed and abused by Exeter Finance stating that they would report any information to my credit report and seize my property which would ruin my reputation, due to our consumer reports being looked at as our reputation according to 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've noticed unauthorized inquiries on my Equifax report and provided this information over to the reps, and managers at Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. Below are the creditors and dates the inquiries were pulled : XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Today XX/XX/XXXX there was a payment made to XXXX XXXX of a total of {$500.00} from my PayPal account that shouldnt of been made. This was a payment not bad myself. I was involved in fraud. I tried to resolve this with PayPal has it was an unauthorized use and they didnt find anything wrong and closed my complaint. This is something I did not do myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
So I made 3 deposits of XXXX $ on the XXXX of XXXX to invest. I have gotten 3 confirmation emails saying that it's able to be withdrawn or sent but the available balance is XXXX XXXX The funds should be cleared today as it have said it should have been. The money was taken out of the bank account and everything. I'm talking to the customer service and within the last 24 hours they havent responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have written LVNV Funding asking them to validate a debt they claim I owe. They have not sent me anything showing its mine or that I agreed to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have asked Midland to validate this debt as mine and they have not sent anything saying I agree to pay this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30 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: FL

Complaint narrative:
This is my fifth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. 

I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. 

This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
I bought {$80.00} USD worth of cryptocurrency through Binance.us and made about {$250.00}. However Binance has locked my account due to " risk management '' and have not responded to my countless emails or direct messages through twitter.. which are the only two forms of communication that they offer. It has been over 2 months and still no answer and still my account is frozen. They are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: FL

Complaint narrative:
This is my fifth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I contacted transunion after receiving my credit report about inaccurate items on my report. 
Transunion is showing different variations of name ion their report. My legal name is XXXX XXXX XXXX. I sent a copy of birth certificate with proof of address and a copy of my drivers license which all state my legal name. 
Transunion shows XXXX, XXXX, XXXX as a name I am known as which is inaccurate reporting. 
Transunion also shows inaccurate information concerning my address. They state my address as XXXX XXXX XXXX XXXX  which is inaccurate reporting and XXXX XXXX XXXX XXXX which is inaccurate as well. My address is XXXX XXXX XXXX. XXXX XXXX, Mo. 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 2021-05-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I requested a emergency transfer of funds by XXXX XXXX the only method I could retrieve my funds from my account. Bank of American have not taken any measures to unsure prompt delivery to access my available funds. Fraud department now stated their has been a data breach. Prior to admitting quilt, Bank of American took over three weeks before releasing my funds back into my account. On XX/XX/2021 I was told by prior Bank of American rep. I could request another emergency transfer of funds without any fee. I spoke with Supervisor XXXX in the east coast about XXXX XXXX. XXXX stated I could only have one fee waived to receive my emergency transfer of funds dispute Bank of American data breach and dispute the fact that Bank of American also held my account XXXX  for 30 days due to the same data breach. Instead I have been waiting for another prepaid card for the third time, to be delivery within 7-10 days. In the meantime bills, food and housing is at a stand still.

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