vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies XXXX, experian and XXXX  are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX opened on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...

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 2021-08-17 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: MS

Complaint narrative:
This is a reply for this complaint # COMPLAINT ID XXXX SUBMITTED ON XXXXHello, I received your reply back from Equifax and am appalled that this even passed your system as a 'response '. If they don't have a file for me, I wouldn't have a credit report with them This is my name : XXXX XXXX This is the last 4 digits of my SSN : XXXX This is my DOB : XX/XX/XXXX This is my mailing address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MS XXXX I specifically wrote this complaint against them because they keep IGNORING my credit disputes! Now they are saying that I'm NOT me and I'm not requesting this as ME ; what kind of foolishness is this???!!! 

This is becoming frustrating and I'm coming to YOU, the federal government for help! Here is a repeat of my 1st complaint, I'd like for it to be actually investigated this time versus Equifax sending me a bogus response to buy more time. If this keeps happening, I'll have no choice but to speak with an attorney ; a consumer should NOT have to go through this during these times!!!! We are dealing with enough as it is! 

Original Complaint : I have been disputing this account since XX/XX/XXXX and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: NM

Complaint narrative:
In XX/XX/XXXX I found that the property management company from the apartments I recently moved from sent an item to collections without notifying me of the debt. I had been told previously that I owed nothing further and had left a forwarding address. I was also told this debt was for utilities billed for a time period after I had already moved out, turned in my keys, and terminated the lease. 
I did contact the collections agency at this time. They informed me that there is nothing they can do, that I must contact the property management. That it was there responsibility to inform me of the debt. This is something that never occured. 
The property management told me that they have no control of it. That the debt was already sent to collections and even though they made a mistake, they could not get it removed from collections. That that is the responsibility of the collections company. 
I disputed this debt with XXXX, XXXX, and equifax. 
XXXX and XXXX  took immediate action and removed the item from my credit report. 
Equifax stated the item was removed. However, at the beginning of XX/XX/XXXX, I found that the item was still there. I disputed the item again. The item is still there although the dispute has been completed. I am unable to view the dispute results. The pdf will not open, error messages occur when I attempt to open it. 
This is not my debt. I have disputed it again. Equifax is failing to investigate or take action regarding this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX a check I wrote for one of my XXXXXXXX was stolen and cashed by another person who deposited it into their account at Navy Federal Credit Union in the amount of {$1000.00}. The account number is clearly seen on the back of the check. On XX/XX/XXXX, I opened a fraudulent check claim with my bank at XXXX and sent in documents from the person the check was stolen from stating that they never cashed the check. On XX/XX/XXXX, XXXX bank wrote to me to let me know that Navy Federal Credit Union has still not responded and if they do not then the funds are lost. On XX/XX/XXXX I filed a complaint with the CFPB and on XX/XX/XXXX Navy Federal Credit Union closed the case stating they never got documentation. Documentation that IS ATTACHED HERE and WAS on the last complaint. I tried contacting XXXX XXXX, AVP of Fraud at Navy Federal Credit Union with no response. Please go into the account of YOUR client and take my money back and return to me at once. This is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
i have some things on my credit in collections that im not sure what the payment is for

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 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CT

Complaint narrative:
The homeowner is facing foreclosure and received an offer on the property which requires short sale approval from Fay Servicing. 

The complete application for the short sale was submitted to Fay Servicing on XX/XX/21. To date the representative assigned to the file, XXXX XXXX has never responded to a single phone message or email. 

I was able to get the Assistant Vice President 's information and have been able to speak with hew, XXXX XXXX, a few times. 

On XX/XX/21 XXXX called to say the investor that owns the loan was countering the buyer 's offer, above what we had been told that their current opinion of value of the property was. None the less the buyer accepted that counter and the updated contract documents were submitted to Fay Servicing on XX/XX/21. 

It is now XX/XX/21 and despite numerous calls and emails we have had XXXX response once again from Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This account opened XX/XX/XXXX and closed XX/XX/XXXX ending balance of {$6900.00}. Amex put a lien on my home and refuses to discuss this with my attorney. We have been sent to three different law firms who were " handling '' this and have yet to speak to anyone that can rectify it. 

My attorney XXXX XXXX and his staff have been reaching out the AMEX attorney listed as handling this several times over the past three weeks. No response. This has caused the sale of my home to cancel and I've lost {$120000.00} in equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: PA

Complaint narrative:
I've filed I CFPB and a Fraudulent report stating this account isn't mines. These creditors will not provide me any information stating these account are mines and I advised them that this was opened up fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I settled this debt and now it has been sold to three different companies. I do not know what to do. I am not getting any help anywhere. I paid XXXX XXXX XXXX directly. I have proof. I am requesting this be removed and cease collections and full verification. This isn't right PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX  {$430.00} Balance updated XX/XX/XXXX Account info Account name PORTFOLIO RECOV ASSOC Account number XXXX Original creditor XXXX XXXX Company sold - Date opened XX/XX/XXXX Account status - Status updated XX/XX/XXXX Account type Debt Buyer Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Balance {$430.00} Balance updated XX/XX/XXXX Original balance {$430.00} Paid off 0 % Monthly payment - Past due amount {$430.00} Terms 1 Month Responsibility Individual Your statement - Contact info XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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 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 2021-08-17 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 am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I have never done any businesses with this company. This company does not have a contracts with my signature.

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 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Claim XXXX was wrongfully closed and the bank conducted a bad faith investigation I did not give permission for this transaction to be completed reverse transaction or I will file arbitration under the account agreement.

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 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Purchased a firearm through XXXX XXXX XXXX. Used XXXX XXXX. Paid 1st payment via ACH on XX/XX/21 & called to pay account in full ( 90 days option ) on XX/XX/21. This company is in violation of our contract and it is now void. I've instructed XXXX to recover my funds. I will keep the property as settlement. 

XXXX will : Provide a " paid as agreed '' letter to XXXX XXXX ASAP. 
Will acknowledge their mistake in writing Will stop further collection actions Remove my name from their systems Will never report anything to any credit bureau. 
Will acknowledge that I have been awarded the leased property as compensation for this epic attempt at theft. 

Anything less and I guess we have to deal in court and I have my records. 

Consumers must have a method to punish businesses that steal lie and cheat.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: ND

Complaint narrative:
Discover calls me from multiple numbers, multiple of times a day. Its interrupting my work. They just started calling me out of the blue on XXXX XXXX talking about payment plans. Ive never received any information about payment plans, yet they claim theyve sent them. Now theyre threatening me with legal action. Ive heard nothing about this debt in two years and they appear out of nowhere and call me repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Around XX/XX/2021 I applied for a Rooms to Go credit card with Synchrony Bank. After applying for the card I was told they need more information and to call a number. I called the number was told I needed to do the ID Verify via my cell phone. Went to the website once I put in my information the site said it was blocked and to call a number if you need assistance. So I called had them unblock the site and did the video and submited front and back of my Drivers license. I called back and was told the application was denied and that I will need to wait for the decision letter to come. On XX/XX/2021 I get a email from the bank saying they have my decsion letter was ready. I accessed the letter it says " To protect your identity, we checked data sources to verify information on your application. These databases may include, but are not limited to, public records, phone directories or social security databases. 
Additionally, our customer service agent might have asked you questions to verify your identity. 
Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. 
Thank you for your application. If you have any questions on this letter or our decision to decline your application, '' I am not sure how they can not feel confident it is me when I did a whole video with my ID on there website.

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 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
To whom it may concern, We customers ( XXXX & XXXX XXXX ) are writing to make a complaints for Hyundai XXXX in XXXX XXXX at that time XXXX XXXX we paid down-payment {$1200.00} and was approved after tried at least 5 different running our credit. At that time was {$580.00} a month all different kinds of perks but over the cost of time .When we paid {$18000.00} all together but we was missing 3 payments the car was repossessed IN XX/XX/XXXX STARTING WAS 11 MILES AND CONTRACT TERMS WAS3 YEARS/45,000 Miles. Sold at auction {$10000.00} also yet to remind you the car suppose to be brand New XXXX Hyundai XXXX .We learn their was 3 Recall on car. It's on credit report.DECEPTIVE PRACTICE ( Bad practices ) We like to sue for {$18000.00}. Vin # XXXX Please help us soon as possible.i will send documents soon. 
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 2021-08-17 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 would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies TRANSUNION, XXXX  and transunion are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...

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