vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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: DISCOVER BANK
State: FL

Complaint narrative:
I have provided you all document of the illegality Of this account. 
Federal Trade Commission Report, Identity Theft Victims Complaint Affidavit IRS Identity theft report, XXXX County Sheriff 's Report, XXXX Police Report and XXXX REFUSE TO REMOVED THIS FRAUDELENT AND Illegal ACCOUNT FROM MY REPORT I have provided all document to DISCOVER FINANCIAL SERVICES # XXXX Of the Illegality of this account and they refused to removed from my record in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
There is a Loan with XXXX XXXX ACCOUNT XXXX for XXXX and XXXX. I never use XXXX XXXX for my student Loans Only Nelnet and this is incorrect on my credit report. They tried to get my loans but I never signed for them to be my loan service. Should not be on my report. 

Nelt/net has accounts that are reporting inaccurate information from two sets of accounts series with the same loan amounts. my accounts are in good standing and opened, but they are reporting information on closed accounts XXXX $ XXXX XXXX $ XXXX. XXXX $ 1530-closed XXXX $ XXXX. XXXX $ XXXX XXXX $ XXXXclosed XXXX $ XXXX XXXX {$3000.00} closed XXXX $ XXXXclosed XXXX $ XXXXclosed. These are incorrect and should not be on my credit report. my loans are actually opened not closed and they show.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2021 credit acceptance reported a late payment on an account I settled with them in XX/XX/2021 2021

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 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I have made a transfer on XXXX through Moneygram and as usual, they say it will take 3-4 business days to complete. However, as of today XXXX the money has not been delivered to the recipient yet. I kept calling them and they say the money has been delivered to their local bank but they have never got feedback about if they transferred the amount to the recipient 's bank. Within this time I have made transfers through XXXX and XXXX smoothly. It's my first and last time to use Moneygram 's service and I hope I get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I placed my FHA mortgage on forbearance in XX/XX/2020 while it was still current as we are XXXX and had major financial setbacks due to XXXX. Navy Federal Credit Union has consistently added interest and LATE fee 's and reported those amounts to the credit bureaus which has effectively made my credit scores go much lower. It appears that I am over my credit " limit '' on my mortgage account over {$4000.00}. I also am aware that NFCU has suspended doing FHA loans at all so I feel like this is a way to eliminate existing FHA loan customers. I recently requested to come out of forbearance last week and have heard nothing from NFCU until last night when my account was placed on restriction due to having a delinquent debt ( mortgage ) and have attached screen shots showing that. I also had to answer questions last night about my mortgage before I could do anything else or access any other checking accounts confirming the amount that was now due ( {$4200.00} ) and how I intended on paying that balance and nothing about a stand alone claim which I thought I had applied for. Access to my mortgage online is and has been restricted for quite some time. I was then informed that I needed to contact them to seek other options as my past due amount from forbearance was due by the end of the month giving me 2-3 weeks. I also inquired this morning to 2 representatives on the phone as to why my account privileges were restricted now and no one I spoke to could answer that question. I am being treated like I have done something wrong. Additionally, I applied for a secured credit card that was recommended after being pre qualified for a credit card and had several hard pulls on my credit report only to be denied because I was delinquent on my mortgage! I just checked my credit score and because I have done everything I could to offset the negative additions to my loan balance by NFCU, it is now up to XXXX. I thought NFCU was trying to help its members financially when all they have done is try and punish me even though i have never been late on any of my loan accounts since being a member. If I can not get this resolved I will start contacting some legal resources and have them assist me since this should not be happening to those of us who have had XXXX and have struggled with this pandemic for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: AMA Advisors, LLC.
State: GA

Complaint narrative:
Refinanced FHA mortgage loan, closing date : XX/XX/2020. Homebridge Financial rec 'd final payment from XXXX ( closing attorney ) who apparently mistakenly short-paid Homebridge in the amount of {$4900.00}. Upon realizing this mistake, they corrected within 48 hours ; additionally offered a letter of accountability. Homebridge reports " late mortgage '' payments for XXXX and XXXX on my credit report through Equifax and Transunion. I have made four attempts to correct with the previous lender and credit bureaus ( offering them supporting documentation ) and they will not remove the negative remarks from my credit report. Letter of accountability clearly states the human error lies with the closing attorney. Furthermore, {$4900.00} on a {$210000.00} pay off marked " two days '' past due date does not justify TWO 30-day late penalties on my credit reports. 
The result of this has caused credit limit decreases totaling {$7400.00} and credit denial for new credit accounts or increases, three creditors have even completely cancelled access to existing credit accounts with a reasoning " recent late mortgage '' payments -- which I have zero. I pride myself on a stellar payment history to my creditors. 
PLEASE help me with a remedy for fair credit reporting for this unique situation. 
I have worked very hard to build my credit -- to have blemishes I can not control is unjust. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED BANKSHARES, INC.
State: WV

Complaint narrative:
During 2020, my bank account has been charged upwards of {$1500.00} in overdraft fees. 
I have a bi-weekly direct deposit. This has created vicious cycle & many financial woes. 
I have tried to explain that during a pandemic, my bank should also be willing to assist like many other financial companies. 
I would like them to consider refunding more than one or two fees. 
I have also been charged overdraft fees when I make a transfers between my account at the same institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: CL Holdings LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I made a deposit of {$15.00} at the drive-thru ATM of the Wells Fargo branch on XXXX XXXX XXXX in XXXX, GA, using the tap method. On Monday, XX/XX/XXXX, I checked my online transactions. Along with the ATM deposit that I made there was an ATM withdrawal for {$1000.00} made right after the deposit. I did not make the {$1000.00} withdrawal. I contacted Wells Fargo Corporate to file a claim. The claim number is XXXX. At that time, I also had them suspend my debit card and mail me a new one. Thursday, XX/XX/XXXX, I called to get a status on my claim. I was told that the claim was denied. I was not told why, but it was suggested that I file a police report. I filed the police report that day. I was also notified by mail a couple of weeks later that Wells Fargo denied the claim. I made contact via phone with Wells Fargo two additional times, to get an explanation and to urge them to look at the ATM video footage. The letters from Wells Fargo state that my claim was denied because the chip in my card was used for the withdrawal in question. My contention is that I neither requested a withdrawal of {$1000.00} nor did I receive {$1000.00}. I feel that the footage will show that I was not the person that made the withdrawal. Both times they denied the claim ( without viewing the footage ). I was notified by letter of the denial. The letter stated that they would only release surveillance records if there was a subpoena or court order. I provided the police with the necessary information to secure the subpoena on XX/XX/XXXX. On XX/XX/XXXX, I was told by the detective that he still had not received the surveillance footage from Wells Fargo.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JFQ Lending, LLC
State: VA

Complaint narrative:
JFQ Lending provided my XXXX credit score dated XXXX XX/XX/2021 on or about XXXX XX/XX/2021. The letter provided by JFQ lending was XXXX points but yet the score generated by XXXX on XXXX XX/XX/2021 was XXXX points. 

I questioned the difference to JFQ Lending and they explained that the type of report such as a mortgage report will vary from a consumer report but not by much and since my score exceeded XXXX points, I was afforded the best rates. 

The JFQ key factors sighted in the JFQ report " Balanced owed on revolving accounts is to high '' and " Amount owed on Accounts is too high '' is inconsistent with my consumer reports credit report which indicates that credit used " {$1800.00} '' of the " {$53000.00} '' represents only 4 % of my available revolving credit and placed my credit score as exceptional vice JFQs report of very good. 

While I agree that the variation did not affect my interest rate based on a score above 740, this is not the case for many other consumers similar to me who have a 40 point lower consumer score of XXXX vice XXXX which could put their JFQ mortgage score at below 740 points. 

The disparity point difference between the two seems excessive with out clear explanation. XXXX membership did not agree with the disparity. XXXX case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted transunion, XXXX  and XXXX regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: CT

Complaint narrative:
We took advantage of Midland Mortgage 's Covid19 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XX/XX/XXXX-XX/XX/XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XX/XX/XXXX to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/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 2021-05-06 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: FL

Complaint narrative:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted transunion, equifax and experian regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted XXXX XXXX  and experian regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.

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 2021-05-06 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: GA

Complaint narrative:
Refinanced XXXX  mortgage loan, closing date : XX/XX/2020. XXXX XXXX rec 'd final payment from XXXX ( closing attorney ) who apparently mistakenly short-paid XXXX in the amount of {$4900.00}. Upon realizing this mistake, they corrected within 48 hours ; additionally offered a letter of accountability. XXXX reports " late mortgage '' payments for XXXX and XXXX on my credit report through XXXX and Transunion. I have made four attempts to correct with the previous lender and credit bureaus ( offering them supporting documentation ) and they will not remove the negative remarks from my credit report. Letter of accountability clearly states the human error lies with the closing attorney. Furthermore, {$4900.00} on a {$210000.00} pay off marked " two days '' past due date does not justify TWO 30-day late penalties on my credit reports. 
The result of this has caused credit limit decreases totaling {$7400.00} and credit denial for new credit accounts or increases, three creditors have even completely cancelled access to existing credit accounts with a reasoning " recent late mortgage '' payments -- which I have zero. I pride myself on a stellar payment history to my creditors. 
PLEASE help me with a remedy for fair credit reporting for this unique situation. 
I have worked very hard to build my credit -- to have blemishes I can not control is unjust. 
Thank you

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NY

Complaint narrative:
I sent out an Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a second notice, Notice of Default and Attempt to Cure, on XX/XX/2021. 

My rights under the FDCPA have been violated and this company has committed fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I contacted USAA. At first I thought it was fraud but I realized it was something that my husband authorized. However, it is absurd that there is zero protection against business transactions through XXXX. Why distinguish between business and personal if its all the same?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: GA

Complaint narrative:
Professional Finance Co. fraudulently placed a collection on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: PA

Complaint narrative:
I have filed an identity theft report I need this fraudulent inaccurate information off of my credit report. This is hurting my family as well from purchasing a home. We are running out of options cant get a home and will eventually cause my family to be in a homeless shelter. Please help. I contacted this company several times by phone and by mail with still no progress. 

XXXX XXXX XXXX XXXX {$660.00}

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 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I got scammed using zelle by a seller. I submitted a complaint to my banking institution : XXXX. I also submitted a complaint to Zelle. They both said they could not do anything about getting the money back. I refuse to believe that because Im sure they can view their records and see where the money gets wired into.

Company response to consumer: Closed with explanation