vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2022-03-01 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: NY

Complaint narrative:
I have sent dispute letters to Equifax, XXXX, and XXXX I have sent an follow up letter and I have not received an response from any of them and it has been past 30 days. This has caused an adverse effect on obtaining financing or obtaining a job. Please find attached letters sent to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent dispute letters to XXXX, XXXX, and experian I have sent an follow up letter and I have not received an response from any of them and it has been past 30 days. This has caused an adverse effect on obtaining financing or obtaining a job. Please find attached letters sent to all 3 credit bureaus

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 2022-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/22 I tried to send a {$350.00} XXXX  transaction to my friend but Truist sent me a message saying that the transaction did not go through but took the funds out of my account and will not give me my {$350.00} back. I have called Truist everyday but no one will help me nor will they put a supervisor on the line so I can take care of this. Ive been left on hold by an agent name XXXX and she never returned to the line for 1hour and 30 mins. Ive called in and asked to speak to a supervisor and was transferred to the beginning of the Q to wait another hour by and agent name XXXX. They have the worst customer service ever. Ive never experienced anything like this before. They will not give me my funds back and not sure what else to do.

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 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NY

Complaint narrative:
Back in XX/XX/2021, I purchased an XXXX from a 3rd party on XXXX website. When I received the XXXX it was defective and did not work properly. I filled out the on line form on XXXX website to return the product and send it back by the deadline of XX/XX/XXXX using the XXXX return label provided by XXXX. Then 3 months later, a few days before XXXX I log into my account ( NetSpend ) to see my balance to do my kids XXXX shopping and I see a charge for {$560.00} from XXXX. I had recently made a purchase with XXXX and thought someone had stole my card information, so I filed a dispute with Netspend. 10 business days later I received the refund for the transaction and I thought all was said and done. Then at the end of XXXX I see once again I was charged by XXXX. I contact NetSpend and they tell me that XXXX sent them proof it was a legitimate charge. I tell them that I didn't make a charge with XXXX and what documents could they have possibly sent them. They tell me they will send them to my email. I receive an email from NetSpend with some documents from XXXX saying they never received my return of the XXXX. I immediately go to find my tracking number for the return, thinking that it must have gotten lost in the mail or something, but when I track the package it shows that XXXX received it. I also find an email from XXXX saying that they received it before they credited the money back originally. I send this info to NetSpend 3 times and call multiple times and finally today someone calls me back and says that it is a merchant issue and I will have to contact XXXX. I have contacted XXXX multiple times and they keep giving me a run around saying that they will notify the department that takes care of these issues to refund me and someone will call me back, but no one calls me back. I am a single mom on SSDI, and I have had almost {$600.00} dollars basically stollen from me by a big giant corporation and I can't get my bank ( NetSpend ) or XXXX to do anything about it.

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 2022-03-01 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: IN

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 2022-03-01 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I am filling this CFPB complaint for collection account CAVALRY PORT account number XXXX. It was XXXX of XXXX when I started to see and dispute this account. In XX/XX/XXXX, the reported balance in this account was {$4000.00}. And after a few months of monitoring my account I noticed that every month the balance is getting higher. From the initial balance of {$4000.00} In XX/XX/XXXX now XX/XX/XXXX the balance reported went to {$4300.00}. First, I dont know this agency and I never signed any agreement to pay anyone extra fee or money in this account. I am very upset seeing the changes in the balance to the account I am not even aware of. In just a year CAVALRY PORT was able to add {$310.00} to this account. In XX/XX/XXXX I wrote directly to CAVALRY PORT to request for validation of debt to see what contract I have from them but until now I havent received anything from them. CAVALRY PORT failed to provide me validation of debt and failed to prove that the balance they are reporting is accurate. I was not given a choice but to file this complaint because I might not know how much more they can add and try to collect from me. I need the original agreement of this account and I need to get a response regarding this concern. Because of these violations, I am expecting this account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient for the last 9 years have been providing incomplete information regarding my loan repayment. Since I have ben employed full time since graduation, Navient has enrolled me in several different programs for repayment each with different lengths and terms. The calls always go the same way, Navient called because your account balance is past due, the only reason past due is because the automatic payments I schedule were only for a certain length of time. They are always only interested in me making a payment. Never not once have all ( eligible or ineligible ) payment plans been given or explained. I'm now of age to try to become a first time homebuyer and the {$14000.00} loan has only risen over the years. So this last call from Navient, I actually took time out ( actually walked out of work ) to ask more questions. The representative acted as if me asking questions was an annoyance to her. She then told me her computer was about to shut down so she needed to call me all, ironically this was just as I began asking questions instead of just giving her payment information and re-enrolling in some program she mentioned. In that conversation, I learned that majority of these programs the agents have been suggesting then enrolling do not help/go towards my principal balance. When I asked the agent what is my regular monthly payment, she couldn't even tell me. After dancing around my question, I found out that a regularly monthly payment is actually less than I've been paying through these various programs that have been suggested by Navient representatives in the past. I think this is predatory behavior, as well as deceptive and wrong. I feel taken advantage of. Anytime I speak with a Navient representative they have ONLY ever been interested in receiving a payment and keeping my account current, NEVER providing complete, accurate and beneficial information to actually pay the loan off. I literally have anxiety and XXXX because of the constant payments being made towards my student loans, yet feeling as though I'll never be able to repay them in full. It's already XXXX to have gotten these loans to try to get a good paying job and that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
There are inaccurate information that does not belong to me on my consumer report. All of the listed items are put on my consumer report without permissible purpose and or related to fraud. Attached will be the FTC report and police report that I have obtained by XXXX XXXX Police department.

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 2022-03-01 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I have had an ongoing issue with Nissan Motor Acceptance XXXX since this origination of this Lease with the XXXX XXXX XXXX. It seems that they continue to try to damage me and my credit worthiness. I've tried on multiply occasions to work with them, from them placing the wrong amount of miles on my lease to repossessing a car which I tried to return to them at their dealership, to not explaining taxes correctly and how they are paid with the lease to sending me a bill for over {$6000.00} and then damaging my credit. The account ended up with XXXX XXXX XXXX which I finally agreed to settle with a 2 payment plan XX/XX/XXXX and XX/XX/XXXX and they have yet to send me settlement confirmation letter. I struggled to make these payments and placed my mortgage on hold to make this go away. The first payment, processed a little early so we had to reschedule it so we agreed managed to agree to same terms. However, we got it done and still I haven't heard from the representative or Nissan to say that it was complete. During this time, Nissan was still sending me statements showing I owed money and I was working with XXXX XXXX too. Long story short, I paid XXXX XXXX 2 payments of {$1200.00}. Nissan is still reporting that I owe money to them so when I called to follow up I explained that they are do a subpar job of following up with their Agency on my account and that they are damaging my credit and I asked who is responsible for updating my credit? The representative stated he didn't understand my question. However, I know who should and they have dropped the ball again. I advised then that I would be making another complaint about the mishandling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Closed on the property at XXXX XXXX XXXX XXXX, XXXX NC XXXX on XX/XX/XXXX. I had to file a complaint with the CFPB because Shellpoint Mortgage Servicing claimed I had unpaid mortgage payments. After filing a complaint against Shellpoint Mortgage Servicing they sent me an email on XX/XX/XXXX stating the loan is paid in full. On XX/XX/XXXX Shellpoint Mortgage Servicing sent a reply letter in regards to the complaint, stating loan is paid in full as of XX/XX/XXXX. Shellpoint Mortgage Servicing sent a Letter of Satisfaction and Deed of Trust from the local County Register. On XX/XX/XXXX I received an Escrow Refund in the amount of {$1500.00}. I deposited the check into my personal account on XX/XX/XXXX. XX/XX/XXXX my personal bank mailed me a letter stating the item I deposited on XX/XX/XXXX was returned marked " Not Authorized '' and I was charged a {$5.00} return check fee. Also they included a IRD substitute check. On XX/XX/XXXX I contacted Shellpoint Mortgage Servicing and a representative stated that the Escrow Refund was sent out but on XXXX the XXXX they found that the payoff was short and voided the Escrow Refund check.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
There are inaccurate information that does not belong to me on my consumer report. All of the listed items are put on my consumer report without permissible purpose and or related to fraud. Attached will be the FTC report and police report that I have obtained by XXXX XXXX Police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
There are inaccurate information that does not belong to me on my consumer report. All of the listed items are put on my consumer report without permissible purpose and or related to fraud. Attached will be the FTC report and police report that I have obtained by XXXX XXXX Police department.

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 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had a Bluebird by American Express debit card for a few years ( I primarily use it to make purchases online as to not display my checking account information or major credit cards online ). Every month my card has been restricted advising that I am making too many transactions. I recently requested a new card and was told by the activation representative that my personal information was incorrect and I should call back once I had the correct information to provide. She then terminated the call on me. I called back and requested to speak to a supervisor for further assistance as my information has not changed. I was advised by the agent that he would assist me rather than getting me to a supervisor but after 20 minutes on hold he then advised that he would need to transfer my call to a supervisor ( which I requested at the start of my second phone call ). I am currently still holding for a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I closed my account on XX/XX/XXXX at the Truist Branch on XXXX XXXX XXXX. XXXX XXXX XXXX. The account was closed due to a breach whereby my accounts were compromised. At the time of closing the branch did not tell me that I would not have access to the account. Surprising enough the breached accounts for at least XXXX months I had access to. Again, nothing was told to me in writing or verbally. I have closed other accounts in the past with other institutions and they email me or verbally communicate access rules. Besides calling and not getting through on multiple occasions, I finally spoke to a XXXX XXXX XX/XX/XXXX at the bank above about getting access on my accounts. She said I could only request statements and they would charge me for all of them. This is not acceptable ; I was a SunTrust customer for many years. Infact XXXX of my accounts is XXXX of their oldest accounts. I need some help getting my records without being charged since I was never told I would not have access. Additionally, I suggested to XXXX XXXX that maybe they could just give me a computer print-out of my detail. No!

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 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On the morning of XX/XX/22, I received an email from Credit Karma informing me that my TJ Maxx bill ( managed by Synchrony Bank XXXX had gone derogatory and was 60 days late. That same day, I received a notice in the mail from Synchrony bank dated XX/XX/22 saying that, " We recently attempted to notify you that your electronic TJX Rewards Platinum Mastercard statement was ready to view, but the email was returned. '' This was the first time I was made aware that I had a balance due of {$89.00} in XXXX. I have never been late on a payment on this account and I have not changed my email, mailing address or phone number within the last 12 months. 

Additionally, there were no phone calls or text attempts made letting me know my payment was originally due or when it became late. 

This has now significantly affected my credit score and I am extremely concerned by Synchrony 's business practices. According to the Card Act, a payment can not be considered late unless the statement was mailed or delivered to the customer at least 21 days before the due date. If Synchrony was unable to deliver the statement via email, I would of expected to receive the statement via mail or a phone call to ensure they meet this section of the Card Act. 

After speaking to Synchrony Bank last night to notify them of this situation, Customer Service was unable to confirm if any attempts were made to let me know that the payment was due.

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 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
Company sued me, then won default judgement, then failed to properly file follow up paperwork causing their judgement to be dismissed in a fashion wherein it can not be collected or refiled with the court. Every six months company is required to file with court showing they have attempted to collect judgement. Company failed to do so, and is now attempting to collect a thrown out judgement that they keep referring to as a " debt ''. It is no longer a debt after it becomes a judgement. It is no longer a judgement either because it was thrown out by the courts for company failing their due diligence in properly attempting to collect and filing follow up paperwork with the courts. Company also continues to report this " judgement '' as a " debt '' to the credit bureaus even though it is no longer legal to double dip and get a judgement AND report to credit bureaus. Company has been underhanded since day one. They won a default judgement in XXXX and NEVER filed the proper paperwork every six months, as sometime in XX/XX/XXXX I received a notice from XXXX XXXX XXXX that the judgement had been dismissed for the company 's failure to comply with law on collecting judgement.

Company response to consumer: Closed with explanation