vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
CAVALRY PORT is claiming that I owe them {$2000.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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:
XXXX added a hard inquiry to my report that I didn't authorize. Company could not provide me with verifiable proof of hard inquiry which violates fcra requirements.

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 2021-02-06 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: CORELOGIC INC
State: FL

Complaint narrative:
Credco added a hard inquiry to my report that I didn't authorize. Company could not provide me with verifiable proof of hard inquiry which violates fcra requirements.

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 2021-02-06 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/2021 I saw that Experian had reported a collection XX/XX/2021. This collection went violated my HIPPA rights. I called XXXX XXXX XXXX on XX/XX/2021 they said acquired this debt from a medical facility.

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 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
On XX/XX/2021 I was alerted to negative information being reported to the credit bureaus. On that day I researched the negative information and found that Sequium had reported me for not paying a {$1200.00} bill to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and Sequium and provided both of them with all requested documentation to prove I did not owe this bill. My evidence was accepted by XXXX XXXX XXXX and the bill and collection authority was rescinded. XXXX XXXX XXXX provided me with a letter stating I was not responsible for this bill and all negative collection information was to be removed. I provided that letter to Sequium and they acknowledged the account has been rescinded by XXXX XXXX XXXX. I asked when the collection information would be removed and they would not comment on removing the negative information. I made several calls and sent several emails between XX/XX/2021 and XX/XX/2021 but have not gotten a resolution or responses from Sequium stating they would remove the negative information even though XXXX XXXX XXXX ( their client ) clearly says I am not responsible and to have all negative information removed..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
CFPB as the governing body over credit bureau please have Experian follow and uphold the Fair Credit Report Act. Experian has violated the law by not removing inaccurate late notice on my credit report from my XXXX XXXX XXXX account for the month of XX/XX/2020. I have given Experian supporting documentation as they requested to show that I made my payment on time for the month of XX/XX/2020. I have sent them multiple letter with supporting documentation from my XXXX XXXX  checking account showing multiple payments made via automatic payment and phone payment for XX/XX/2020 to XXXX XXXX XXXX. 

CFPB this is clearly multiple violation by Experian after I sent them multiple supporting documentation showing payment made on time as they requested. Under the supervision of CFPB please have Experian remove the late notice on my XXXX XXXX XXXX account form the month of XXXX based on the supporting Bank Statement showing multiple payments received and made on time and Experian violations of the Credit Reporting Act multiple times. This inaccurate information being reported by Experian is not right or fair to me. They should not have the right to continuously report this inaccurate information.

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 2021-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: IN

Complaint narrative:
I received a letter from Village Capital and Investment. The letter said that that I was eligible to refinance my loan. So I went on their website and completed the info they needed. I was contacted by phone from XXXX XXXX and spoke to him about offer. He said that his assistant would be sending me a application by email. I never received the application. I feel like they are a scam and that my house is in jeopardy. They dont respond to my emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an alert from my credit monitoring service that a " New '' collection account had been added to my report. I viewed the report and it was from National Credit Adjusters for {$900.00}. The account says it was open in XX/XX/XXXX. This is the first time I have ever heard of this company. I have no knowledge of this debt nor was I properly notified prior to inserting this false information on my credit report. I was not notified in writing of the alleged debt and given the opportunity to exercise my legal right to dispute the validity of this debt. This company has provided inaccurate information to the credit bureaus in an attempt to tarnish my credit worthiness. I would like for this entry to be deleted immediately and a letter from NCA stating that it has been removed and my credit report will be updated. I would also like them to cease all collection attempts on this unknown debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
CFPB, Equifax respond to my dispute was that they will not remove the inaccurate information from credit report because they stated that I use language that similar to credit repair company. This is totally inaccurate just like the inaccurate late notice that I am disputing. Equifax has on multiple occasions willful violation the Credit Report Act. They dont believe that average customer know the law and that they need to follow and uphold the law a it relates to credit reporting that all information need to be accurate. The late notice from XXXX XXXX XXXX for the month of XX/XX/2020 in inaccurate and needs to be removed. 

CFPB, Equifax has violated the Credit Reporting Act on multiple occasions based on the fact that I have sent them multiple dispute letter with supporting documentation from my XXXX XXXX  checking account showing multiple payments made via automatic payment and phone payment received and made on time as they had requested me to send supporting documentation. It is not right or fair to me and other customer that Equifax can continue to violate the law after they request and receive factual proof and documentation from me or any other customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: KEYCORP
State: NY

Complaint narrative:
Regarding Keybank credit card account number XXXX I entered into an agreement thru XXXX XXXX XXXX on XX/XX/2020 wherein Keybank agreed to accept monthly payments of XXXX. However, they continue to report as delinquent 30, 60, 90 days. Neither Keybank or XXXX when I dispute will agree to change the status even though I am making the monthly payments as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
I am a victim of identity theft I have a item on my credit report for security credit services in excess of XXXX dolllars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/2021 I saw that TransUnion reported on XX/XX/2021 regarding a collection from XXXX XXXX XXXX. This collection is a violation of my HIPPA rights. I called XXXX XXXX XXXX on XX/XX/2021 and I was told they acquired this debt from a medical facility.

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 2021-02-06 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 — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX continue to racially profile my account with frivolous degrading information about accounts that does not exist and this Bureau keep using these fraudulent expired false document to deprive me of my Rights to a fair and acceptable report. There was false reports from XXXX XXXX and yet XXXX penalized me and even when it was brought to their attention they continued to degrade my character and degrade my score. The same with Navy Federal with false information being revealed. This is gross RACIAL PROFILING and needs to be investigated by the Federal Bureau Investigation. I am a XXXX XXXX veteran XXXX and these racial tactics I will not accept. If needed then let the Higher Federal Courts resolve this matter if we can't come to a reasonable and fair solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: CT

Complaint narrative:
On XX/XX/2021 I saw that Equifax reported on XX/XX/2021 regarding a collection from XXXX XXXX XXXX. This collection is a violation of my HIPPA rights. I called XXXX XXXX XXXX on XX/XX/2021 and I was told they acquired this debt from a medical facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: AZ

Complaint narrative:
On XX/XX/2021, I requested with Equifax to investigate and delete inaccurate information from my credit report report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX keeps showing a Collection account under the name portfolio associates which is for XXXX XXXX for the amount of {$870.00} which is not mines and has been removed from my XXXX  and XXXX account but XXXX has yet to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX File Number Advised the company via transunion 3 times that this is not my account. Never did business with this entity. 
LVNV FUNDING LLC XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
I have no knowledge of this account. I requested original dates on when this account was open with signatures. They are stating this was recently open. I requested for original documents.

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 2021-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XX/XX/2020 {$900.00} funds as a withdrawal transfer via Zelle through XXXX XXXX XXXX XXXX to XXXX XXXX. 

Cell XXXX XXXX XXXX was not provided due to XXXX rescheduled and unbecoming behavior and accusations towards customer. 

Upon medical professionals advice services were not recommended. 

Customer request full refund. 

XXXX refused, ignoring medical professionals communications via letter and email by rescheduling to an obscure date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Executive Credit Management, Inc
State: PA

Complaint narrative:
The collection was opened XX/XX/2019, I sent letters to the collection agency, I wrote letters to all 3 three credit companies. everyone has failed to provide me documents saying what's the money I owe, copies of any paperwork showing that I agreed to pay what they say I owe or provide any license numbers, registered agent paperwork or anything of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST PORTFOLIO SERVICING INC
State: TN

Complaint narrative:
Activate Financial sent me an email of debt there trying to collect, I sent in a validation letter and I have not received any information per the letter I sent, they did however sent a letter stating that they have determined not validate or verify this account, by law it is my right to verify and dispute what is not accurate and they failed to do so and I DO NOT want this account reporting on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
They closed my accounts unexpectedly and wont respond to any of my complaints I filed against them this is not fair when Ive been a long time customer they dont want to do business with me and wont tell me why claim its under their contract horrible policies this bank is crazy Ive been with them for years and this is how they treat me I feel discriminated for being told I can never do business with them again or have any accounts

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 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Opened my discover secured account in XX/XX/XXXX. Called discover week of XX/XX/XXXX to discuss my credit availability on a secured account because even though payment was taken from bank account it was showing XXXX credit available. After speaking with agent for about 20 min I was informed the reason that I was having this issue is because I was making so many payments in a month and discover just wanted to make sure the payments would actually post. Under the advisement of the agent I increased my secured amount from {$800.00} to {$2000.00} so that moving forward the same issue wouldnt occur. The additional XXXX is taken from my bank account and by the XX/XX/XXXX my discover account reflects the increase but then something strange happens on the 25 my account access gets restricted and my card begins to decline everywhere. I contact discover they send over a form for me to sign and say once this is handled my card access will be restored. Well two weeks later and many phone calls with agents telling me they can not discuss account discover closes my account with no heads up and nobody can tell me why or when my security deposit will be returned this is blatant theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX. On XX/XX/XXXX, I deposited {$25.00} into my Navy Federal DEBIT account. When I woke up on XX/XX/XXXX, my deposit of {$25.00} was completely gone. I immediately called Navy Federal ( at XXXX XXXX XXXX and XXXX picked up my call. I explained to him that I deposited {$25.00} in my account last night and when I woke up it was gone. XXXX rudely said to me " Since you are delinquent on your credit card we went into your debit account and pulled out the money for your payment since you never responded to us. '' This is a BIG LIE. Navy Federal watched my account and waited until money was in there to make an UNAUTHORIZED payment towards an alleged debt. I have literally been going back and forth and disputing with Navy Federal since XX/XX/XXXX. I disputed the validity of this alleged debt and still have no outcomes. On my Navy Federal app it literally says : " NOTICE : Your account information is being provided for informational purposes only. Providing you this information is NOT an attempt to collect a debt. '' What was done to me was not only illegal but also unethical and was a result of unfair and deceitful practices. How can you take my money out of my account because I allegedly owed money on a completely SEPARATE account? I am beyond livid ; this is deceitful practices and behaviors. Navy Federal has been deceitful and is now trying to tell me that in my contract I signed off on Navy Federal taking my money from my debit account to feed my " delinquent '' credit card account. I need help on this one of MANY problems from Navy Federal. Navy Federal is injuring my Consumer Rights and I will NOT allow this. I need relief. Under the FDCPA I am a federally protected Consumer. At one point I loved Navy Federal until I saw that they were Frauds. 

15 USC 1601 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

15 USC1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

15 USC 1692 ( f ) Unfair practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am currently in the process of selling my mobile home. My current lender states that they can not provide me with a copy of my title that my buyer needs in order to close. Because of this, I had to get a copy from XXXX. In order for XXXX to release a copy of my title, they need a letter from the mortgage company saying they have permission to print out the title ( being that they are the lienholder ). Which at that point, the original title would be sent to them and a copy would be given to me so I will be able to close. The mortgage company refused to send a letter for permission to XXXX. They are holding up the sale on my mobile home.

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 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This collection account was removed from all three credit bureaus as being invalid and not mine. Now they are trying to put it back on my XXXX report. I want it removed immediately.

Company response to consumer: Closed with explanation