vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I applied to cash reward through Navy Federal credit Union and I was looking for a balance transfer promotion, on a phone conversation with a navy federal agent I was told if I would to do a product change to the platinum credit card I would be able to enjoy a 12 months and 0 % balance transfer promotion forward 2 weeks I'm calling in to find out if the promotion is attached to my card after the past 48 hours I spent to do balance transfers from different institutions and I'm finding that I'm not entitled to it because I did the product change and not and new application and that was not disclosed to me when she was selling and pitching the product change I'm feeling deceived and it's hurting me financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Asset Collections Inc
State: OR

Complaint narrative:
I have been contacted by Asset Collections Inc @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX, by phone concerning a disputed debt with a Law firm that I used once and paid for in Full. The imperious man calling and leaving messages to me and my parents is named XXXX. I fired the Law firm and documented the conversations and the email communiques. First the Collection agency calls me repeatedly and by text and also called my Parents even though I am XXXX years old, Which is pretty low class. I had sent a registered letter to Asset Collection informing that the debt was disputed, that I owed the law firm nothing and to not contact me any further on this disputed debt. 
They are not stopping the harassment and are continuing to harass me now by mail. I believe they are violation the fair debt collection practices act by acting in such a reckless manner. I am in XXXX now am a single mother raising a XXXX XXXX XXXX son. I don't have job but do receive some child care monthly expenses.I don't understand why Collection agency 's can break the law and harrass people who Have no assets and only own a car, which I need to get around and raise my son.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Loan care failed to make my hazard payment ( for the second time ) and now their trying to force place their own much more expensive insurance and are trying to charge me {$95.00} per month for every month I was uninsured! I've spent hours on the phone trying to resolve this and have spoken to multiple customer service reps and have gotten a different response from them all. Loan care is blaming the insurance company. The payment just wasn't made! I have my annual tax statement from loan care that states {$0.00} was paid to hazard insurance! Why??

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 2021-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: SC

Complaint narrative:
I received communication dated XX/XX/2021 congratulating on opening a checking account with Comerica Bank. I also received copies of sample checks and deposit slips with an account number. Upon receiving this letter, I immediately contacted their office and said I never opened up any account with them. I was told someone would contact me within 24 to 48 hours. I did not get a return call. I called again and they transferred me to their fraud division and left a voice mail for XXXX XXXX XXXX XXXX x XXXX. I was told that the account was closed. Again, 2 days later still no return call. I called again, left another message. His voice mail just keeps saying hes in the office but said if he wasnt there and for immediate attention to call XXXX XXXX XXXX XXXX x XXXX. I contacted her and again received voice mail which stated for immediate assistance contact XXXX. 

On Saturday, XX/XX/2021, I received Your Comerica Access Checking Statement. 

I believe both of these individuals who do not return calls, are part of this scam. This has gone on for too long now. Im asking for your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed this issue 3 times with Equifax and XXXX. XXXX  has my information correct. Except the XXXX account which I am currently disputing with them. For some reason Equifax and XXXX  websites will not accept my documents and they are only taking into account what XXXX and XXXX are saying about my accounts. I have tried to submit documentation to XXXX  and Equifax several times and they either disregard my documentation or their website will not accept the documents. The XXXX and XXXX XXXX accounts are being reported incorrectly on my credit report. Equifax and XXXX  are reporting an initial delinquency date of XXXX for these accounts however, this is incorrect. The initial delinquency date is XXXX. I have submitted payments history and even my XXXX  credit report proving that these accounts initially went delinquent in XXXX. These accounts are over XXXX XXXX XXXX and need to be removed from my credit. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: MO

Complaint narrative:
Im demanding that these fraudently accounts be blocked and removed from my credit file. My idenity has been compromised and reported. Im demanding that the XXXX major credit agenices remove these accounts immediatelty. 

XXXX. XXXX XXXX Bank XXXX. XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX. XXXX Bank 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 2021-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Hi, I want to file a complaint against IC Systems XXXX for a medical bill of {$640.00} that I asked a debt validation for. I sent the letter to them on XX/XX/2021 through certified mail and the date that it was received by them was XX/XX/2021 at XXXX. I also requested that they don't report anything to the credit bureaus until this debt was validated and they ignored my request by updating information and reporting this debt again to the credit bureaus, instead of validating the debt. There has been no written communication or validation of debt from this company and it has been over 30 days. Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Credit bureaus seem to throw my letters out or do not do anything on my file. 
My name and alias names need to be corrected. My OLD addresses are wrong as well. I am attaching a letter of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over XXXX days with no compliance to the Fair Credit Reporting Act XXXX FCRA XXXX XXXX. XXXX ) enacted by the United States XXXX. By their findings, it is now my legal right to have these accounts and inquiries XXXX FCRA XXXX XXXX. XXXX ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Their has been unauthorized use of my credit report. I submitted a debt validation letter on XX/XX/21 in regards to this alleged debt with National Credit System. This alleged debt has never been validated and I demand it be removed from my credit report. This is unacceptable and in violation of the FDCPA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft according to the FDCPA. No one is supposed to report to my credit report without permissible purpose. I never authorized or gave permissible purpose this company National Credit System to report on my credit report which is a violation of my consumer rights.I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Im a victim of identity theft and someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate this account. I do not validate this account. Therefore, the following account must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased an online course from XXXX using PayPal Credit for funding. Purchase amount {$340.00}. XXXX mislead me to believe I could start the course immediately as it is an online, not live, course. I purchased the course on XX/XX/21. After paying for the course the earliest course start date was XX/XX/21. I could not access the course I paid for so I reached out to XXXX customer support. They resolved the connection issued but that pushed my course start date to XX/XX/21. At no time was I ever advised of their refund policy. 

Once I was able to access the course I viewed several days of the course. I found it to be a terrible, wordy, poorly executed course and asked XXXX, for a refund on XX/XX/21. This request was made through their website via the " live chat '' which is actually a bot. XXXX replied to my request on XX/XX/21 denying my request for a refund stating their refund policy is valid for 15 days from date of purchase. At no time was this policy provided to me. It was not in any document I signed during the purchase. It's not on the " welcome '' e-mail. Nor is it on my receipt of purchase. 

Since I could not access the course for days from date of purchase this had already absorbed days of their 15 day policy which I also find deceitful. 

I've disputed the charges with Paypal Credit which is financed by Sychrony Bank. They obtained minimal information from XXXX, which did not prove that I was provided their refund information, and sided with XXXX. 

I provided additional information to Paypal Credit to further review and dispute the charges. Paypal continues to delay the investigation. They have stated additional documents from XXXX were provided but they have not shares these with me as an attachment to a document as they stated. No attachment was provided. 

Paypal has stated in letters to me that I would not have to make payments during the dispute process yet they continue to require payment. I've made all payments on time. 

My complaint is with both XXXX and Paypal Credit/Sychrony Bank.

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 2021-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor's Collection Service, Inc.
State: SC

Complaint narrative:
Creditors Collection Service , Inc. CCS holds several accounts for collection of unverified medical amounts listed in my name. 
In XX/XX/2021 I mailed debt disputes on these accounts requesting detailed accounting for all of the debts they have listed which are in question. After more than 60 days I have not recieved a response to my letters. In the past they have sent a one page letter that shows their account numbers and the amouts that are in question with which it is impossible to determine if they are my debts and the accuracy of these accounts. I needed more information but they refuse to give me any information at all yet they continue to report these accounts to the collection agencies. 

Address XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Va. XXXX Mailing Address XXXX XXXX XXXX XXXX, Va. 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 2021-08-01 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: MO

Complaint narrative:
Im demanding that these fraudently accounts be blocked and removed from my credit file. My idenity has been compromised and reported. Im demanding that the XXXX major credit agenices remove these accounts immediatelty. 

XXXX. XXXX XXXX Bank XXXX. XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX. XXXX Bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Im demanding that these fraudently accounts be blocked and removed from my credit file. My idenity has been compromised and reported. Im demanding that the XXXX major credit agenices remove these accounts immediatelty. 

XXXX. XXXX XXXX Bank XXXX. XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX. XXXX Bank 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 2021-08-01 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: SC

Complaint narrative:
Their has been unauthorized use of my credit report. I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. This is unacceptable and in violation with the FCRA and FDCPA. A furnisher must not furnish inaccurate consumer information to a Credit reporting agency, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate, fraudulent, or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XX/XX/XXXX data breach and XXXX XX/XX/XXXXdata breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off 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 2021-08-01 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: AZ

Complaint narrative:
The Credit bureaus seem to throw my letters out or do not do anything on my file. 
My name and alias name need to be corrected. My OLD addresses are wrong as well. I am attaching a letter of explanation

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 2021-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In accordance with uniform commerical code section XXXX the right to dispute charges on my banking account. Upon return from Basic training with the US military, Id located charges on my banking account for XXXX wireless. The only phone provider I have is with XXXX wireless which is provided by my aunt and uncle so no payments should be coming out. Upone review I contacted PNC bank to inform them that my bank account had become compromised with sprint wireless charges. I wrote a statement attesting to the fact and mailed it to PNC. PNC has failed to open and assist with the disputes of the fraudlent charges. I did not consent to XXXX debiting my account, As protected consumer that is a natural person as defined in Title 15 US Code 1692 ( e ) ( 5 ). I am rescining any credit my credit card issued by the social secuirty administration has extended to PNC for failing to protect my banking account while I enlisted to serve this great country. I expect the fradulent charges to be revered to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-01 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: FL

Complaint narrative:
I have disputed this issue 3 times with XXXX  and Transunion. XXXX  has my information correct. Except the XXXX account which I am currently disputing with them. For some reason XXXX  and Transunion websites will not accept my documents and they are only taking into account what XXXX and XXXX are saying about my accounts. I have tried to submit documentation to Transunion and XXXX  several times and they either disregard my documentation or their website will not accept the documents. The XXXX and 3 XXXX accounts are being reported incorrectly on my credit report. XXXX  and Transunion are reporting an initial delinquency date of XXXX for these accounts however, this is incorrect. The initial delinquency date is XXXX. I have submitted payments history and even my XXXX  credit report proving that these accounts initially went delinquent in XXXX. These accounts are over 7 years old and need to be removed from my credit. Please help me!

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