vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Somebody used my name to open fraudulent account and write bad check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
Good afternoon, I fear this is a complaint heard around the clock at the CFPB. I am enrolled in the PSLF program, and have been for very nearly 10 years. My loans were set up in eligible payment plans with all of my loan servicers over the years- XXXX, XXXX XXXX and currently FEDLOAN. 

My current account in FEDLOAN shows payments made to prior servicers, but does not present accurate data regarding amount, date, or repayment plan. I expect this is due to the transition between servicers and the data not being vetted for completeness. 

I have tried to request a manual recount in early XXXX, but did not have any follow up. While requesting the recount, the agent confirmed that many if not all of the payments should be eligible, but for whatever reason were not being captured that way. For older loans, I have made 160 total payments, with 108 showing as 'ineligible ' for issues relating to data management at FEDLOAN. 

Submitted my first PSFL certification form in XX/XX/XXXX and each subsequent year, and the same issue has plagued my recount. At this stage, I have multiple loans that are eligible for PSFL, however since at least XX/XX/XXXX, no action has been made at FEDLOAN to address inaccuracies in my payment count. 

I would like to have FEDLOAN reevaluate my payment history to prior loan servicers and update my payment history to capture eligible payments under PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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: LEXISNEXIS
State: OH

Complaint narrative:
I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. 

LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. 

LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. 

I have demanded that they remove all my information from their databases immediately. 

I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX a payment of {$3000.00} was sent to XXXX. The check was cashed on or before XX/XX/XXXX which is when it cleared my bank. A copy of the check, front and back is attached. It has previously been provided to Synchrony Bank. 

Synchrony Bank which handles XXXX master card, has three times given credit for this payment and three times has reversed itself and says the amount is still owed. A copy of their lastest reversal is also attached. 

This problem has been going on for over a year. I requested arbitration in XX/XX/XXXX to resolve this matter and they have not responded yet to the arbitration request. 

The credit card number stated below originally ended in XXXX, but because of fraudulent charges after the above payment, the card number was changed to the one stated 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 non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Collectors, Inc.
State: WI

Complaint narrative:
DEBT NOT VALIDATED per FAIR DEBT COLLECTORS PRACTICES ACT 15 USC 1692g. Nor was the debt deleted while being investigated per ; 15 USC 1681i ( a ) ( 1.a ) This is a defamation of character and hindering me from living a product life as a consumer of these UNITED STATES XXXX ASSOCIATED COLLECTORS INC is also in violation of 15 USC 1681 ( a ) ( 4 ) " infringed upon a consumers right to privacy ; 15 USC 1681b ( a ) ( 2 ), not having permissible purpose nor written instruction, which is also a violation of my HIPAA RIGHTS and 15 USC 1692f " Unfair Practices ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XX/XX/2021 I recieved a email from paypal saying my account was permanently limited and i had a ticket filed and was told to check my email for judgement. 

I have a current balance of {$300.00} they are holding today XX/XX/2021 they told me they arent releasing the limitation and they are sending me a second email on XX/XX/2021 to withdraw my funds I called their offices XXXX XXXX, XXXX, XXXX, and XXXX to check on the status of my ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I ordered a hot tub cover on XX/XX/XXXX with a promised delivery date of 10-25 days. On XX/XX/XXXX, I was notified that the item has shipped ( 57 days later ) The item arrived damaged and was never accepted or taken off of the delivery truck, as per the instructions of their seller in their email of XXXX, " Although shipping damage rarely happens please take a minute to inspect the cover when the carrier company deliivers and refuse delivery in the event damage is found. '' Despite not accepting delivery for the damaged item, the seller charged my Citi Card credit card, and a dispute was initiated with Citi on XX/XX/XXXX. 

Citi Card 's response was to ask me to return the merchandise and request a credit. THE MERCHANDISE WAS NOT RECEIVED/ACCEPTED, which was made painfully clear to Citi. I demanded that Citi reverse the charge or else provide me with documentation that the merchandise was delivered/accepted. 

Their response dated XX/XX/XXXX stated, " We have reviewed the information you provided regarding your dispute. We no longer have any available means to assist you in this matter since the time frame in which to resolve a dispute has passed ''. 

Citi then proceeded to report the balance as delinquent to credit rating agencies, despite never following up to see that the merchandise was not received.

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Dear officer ; I hold a Home Depot Credit Card issued by CITI Credit Cards. 
On XX/XX/2020, I fax a letter disputing a charge to my credit card. I have since requested in writing and on the phone a copy of the purchase voucher/receipt which initiated this charge. Nevertheless, Citi bank 's fraud department has not been able to produce a receipt or ANY other document that will prove that indeed I am responsible for such purchase/transaction. 
In addition, My local Home depot store manager has NO record of this transaction taken place and they are more incline to a system error in their part and advised me to call the Credit card services. 
I have called and faxed them my request in writing ( as they insisted ) and on the phone for HOURS since all this started without ANY result to my request : " Show me a copy of the store receipt or any other document where my signature and credit card was used to support such purchase transaction ''. still no answer to my request. Nevertheless, they insist in the charge and threaten with ruin my perfect credit and name.

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 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My husband and I opened new credit cards with Capital One approximately 2 years ago. At the time we submitted the necessary documents for application. The application stated the assets and liabilities for our COMBINED incomes. He received his card with a credit limit twice that of the one I received. At first I thought it was an error. I tried contacting Capital 1. However one can not talk to a live person at Capital 1. Only online submissions. I received a denial form letter that stated there were many variables but I hadn't used it enough to warrant an increase. Naturally not, it was brand new. Without prolonging the number of attempts we made with Capital 1. Nothing worked, just a number of standard denial form letters.

Where the confusion reigns is within our COMBINED income my salary is greater than my spouse. Our Credit Scores are almost identical ( Over 800 ) and our income is over 6 figures. There are no bankruptcies in my past, no late payment, no collections, nothing. However I do happen to be Female.

My only conclusion is that " If you are married and female you are a greater risk for default. '' However not being able to talk to anyone with Capital 1 and unable to get a response from them so that I could confer with anyone I am left with the obvious conclusion. Gender is still a factor in equality

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
From What I can tell. XXXX XXXX is the origianal creditor. I do not have or never have had a XXXX XXXX Account. 

I disputed a collection account with XXXX XXXX a company that XXXX XXXX Sold my information to and it was promptly removed. Now I have another blemish on my credit from Receivables Performance for the same amount and the Same original creditor. 

This issue is causing me to loose business and causing me to also loose business because of the defamation. 

I want this removed from my credit file immediately or I will sue this company 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 2021-11-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX This is unfair. This doesnt represent me as a borrower since the service guaranteed wasnt effective, it wasnt working at 100 percent. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus advising of the poor services rendered from this Company causing this alleged collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Hello, I would like to file complaint against my Mortgage Loan Servicer Freedom Mortgage. I lost my job in XXXX due to COVID and no available childcare. I requested a forbearance in XX/XX/XXXX while working partial hours and continued to pay mortgage thru XX/XX/XXXX. On XX/XX/XXXX, I called Freedom to request my final Forbearance. I spoke with a rep named XXXX. XXXX took my Forbearance request and thoroughly explained 3 Recovery plans once the Forbearance ended on XX/XX/XXXX. On XX/XX/XXXX, I called and requested the Recovery Modification plan. The rep thoroughly explained all programs again and also explained a 4th new program called Advance Loan Modification, offered per FHA. The rep explained that the program approval rate was rare, and most people were not approved. He explained that they automatically reviewed me for this program first and then the remaining 3 programs ; Stand-alone partial, short-term recovery, and Recovery Modification. I explained to the rep my choice was the Recovery Modification. I asked many questions to get an understanding of the program. I explained to the rep that I am a single mom, first time homebuyers and due to the pandemic my salary changed. So, the Recovery Modification Program was the best choice for me. On XX/XX/XXXX I received letter from Freedom stating my application was incomplete and missing title insurance page. The letter stated that I could still be reviewed for the 4 Streamline programs listed above, with an incomplete application. I called Freedom that same day and asked the Rep if I could fax over title page. The Rep stated they would handle on their end and I did not need to do anything. The Rep confirmed that I requested the Recovery Modification option but confirmed that I would be reviewed for all 4 Streamline Programs. Today, XX/XX/XXXX, I called Freedom for status on my request. I spoke with Precious. She directed me to my online approval letter. The letter stated that I was NOT approved for the Advance Loan Modification, Approved for Stand-Alone Partial and NEVER reviewed for the program that I requested, the Modification Recovery Program . Precious incorrectly stated FHA only approved me for this program. I requested supervisor assistance. I spoke with supervisor XXXX XXXX. XXXX apologized and stated I would have to decline the Stand-Alone option in order to be reviewed for the program I chose on XX/XX/XXXX. I explained that they were taking away my options and had not correctly processed my request or reviewed me for all 4 programs they said they would. At this time I would like to file a complaint. It appears that my options are being taken away and I am not receiving the assistance afforded to me as a home owner affected by the COVID-19 Pandemic.

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 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC
State: MA

Complaint narrative:
I had inquired about refinancing an income property, with Reliance First Capital. After answering all their question and supplying all the requirements. I was told that as long as my appraisal was for enough we would be all set. After paying for appraisals was told everything is all set it came back well above what was needed and now just to update paperwork, which was done with in the next week. Approximately a month latter and they, then pulled the financing and wanted me to spend more money on cosmetic updates to the house and repairs to the barn, ( which is what some of the cash out money was to used for ), along with new and different inspections again looking for more money before they would continue. It was latter disclosed to me, that they had also contacted the appraiser and want/had the finished/final appraisal changed in order to not fund the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I'm filing this complaint with Cross County Mortage due to misleading information during the refinance process. I started the refinance process in XX/XX/2021, I signed the 1st closing disclosure on XX/XX/XXXX, and due to XXXX XXXX Mortgage 's lack of communication, the disclosure expired. I signed a 2nd closing disclosure on XXXX and received a call from the loan processor that she will schedule a signing to close my refinance. I never received the appointment to sign, I called the loan processor and loan officer multiple times with no response. I then received a letter in the mail on XX/XX/XXXX indicating that the loan was denied due to credit. During this process, Cross County has done nothing but lie and mislead me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
It started in mid XX/XX/2021. I man I had been talking to sent me a check. I deposited that check and then he asked me to wire some of the funds to his CPA 's bank. I did. Then the bank took XXXX dollars out of my kids 's accounts to cover that check. They said it was bad. I had no idea. Meanwhile he sends me another check and that one was bad too. I didn't find this out until the money is taken out of my account. I called Huntington bank, they said it was my responsibility to check there account to see if they have the funds. I'm out almost XXXX from this man sending me a couple of checks. I had NO IDEA the checks were bad. I would have never done it. I have the 3rd check in my possession. I am still texting him, hoping to get my kids ' money back. all of our accounts are at same bank and they took the money out of their accounts to cover the check. 
XXXX XXXX

Company response to consumer: Closed with explanation