vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Cant access past and present bank statements on Navys mobile application.Tried talking with their tech support and cant resolve the issue.Inability to access account creates a lot of anxiety because I dont know true balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Someone opened a card with milestone credit card with all my info. I am currently in XXXX and I'm not aloud to open any new accounts ' as set by the courts. plus this card was open XXXX of this year. I have no idea who and how this was done to me. please help. 
Tank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-16 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: MO

Complaint narrative:
I reached out via certified mail and it was received on XX/XX/2022 to Experian about inquiries put on my report without my consent in XXXX of 2022. This violates 15 USC 1681b ( i ) stating that " the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ''. I did not comply to such reporting. It was never written in consent to Experian. 

I have attached a letter from Experian dated on XX/XX/2022 that denies they did not do anything wrong and stated that they are required by " Federal Law ''. This is a false statement due to the code published above where this reporting requires my written consent that they do not have obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As you can see in the attachments, XXXX settled a XXXX XXXX XXXX XXXX XXXX in 2020. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from credit report. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this. XXXX has already complied with decision and has removed the account from Credit Report.

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 2022-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX wire to my Bank of America {>= $1,000,000} net proceeds of the sale of our Home. Until today, XX/XX/XXXX, the wire has not gone through. I talk to the bank several times, we call every where, apparently was missing XXXX XXXX in my checking account. Since XX/XX/XXXX the escrow company and us are tying to collect our money. Could some body help us, we are powerless with this powerful institution. We have to move from this house and now we do ha money for our next house, we are XXXX. Thank you so much for your help.

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 2022-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent a letter to Midland Credit Management after seeing an account they are reporting on my credit report. I never received a dunning letter from them in the first place. I sent them several certified letter requesting legal documents about this alleged debt they are reporting on my reports, but they failed to provide me the requested legal documents or don't reply. I am not liable for this alleged debt and they have not provided the documents I asked. I demand that they delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Selene Finance bought our mortgage in the fall of XXXX. In XXXX of XXXX we got a letter saying there was an escrow shortage {$11000.00} ( even though we had achieved a loan modification in XX/XX/XXXX which should have solved any shortage ). Consequently, Selene raised our monthly escrow payment from about {$1000.00} to {$2300.00} -- effectively raising our monthly mortgage payment by over 30 %. 

There is a long history of problems with our loan that was originated in XXXX ( under circumstances that were probably fraudulent ). 

It seems that Selene is trying to capitalize on the distressed history of this loan to seize our house.

We have been working with legal counsel to address these issues, but I thought it would be useful to report what is probably some level of mortgage fraud to the government authorities for investigation. After reading about some recent experiences that other customers have had with Selene, it seems quite clear that this company is acting in bad faith to manipulate their mortgage holders and foreclose upon their properties so that Selene can turn a quick profit in a hot financial market... or to force consumers to seek out monies from the Mortgage Assistance Fund set up by the Treasury Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank... 

The app told me that I had money in the account. 

1. They allowed me to use debit card with the money, then said I now have a negative balance. This was for several transactions. I want every fee as a result of this waived. Additionally, monthly checking fee, waived. I will close this checking account out and pay them the balance, within 60 days, if possible, without impact to credit. 

App does not work. Tried to call customer service today about my issues, it said they are having issues and can not take calls. 

LOCK my card. Do NOT process any transactions, especially with a debit card like you have done. Close this acocunt out. 

How long do I have to pay off line of credit and balance owed once any fees are remoevd?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
Today I received XXXX letters from TRS Recovery Services stating that I owe a company called XXXX XXXX {$110.00} because of a {$80.00} purchase that I made between XXXX XXXX and XXXX XXXX. I think this is a scam because it's quite a coincidence that this happened 2-3 weeks after my wallet was stolen with all of my credentials in it. With that being said, I believe it is a scam because I don't have any purchases of {$80.00} in that time frame. The purchases that i made that were {$80.00} I verified with that company that I did not owe then anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Submitted complaint to Credit Reporting Agency Transunion on XX/XX/2022 they received complaint XXXX on XX/XX/2022 still Open and it bend over 30 day whit out a resolution. I provided factual info directly from the credit report. 

In accordance with the Fair Credit Reporting act. Credit Reporting Agency Experian are in Violation of Law 15 U.S. Code 1681i - Procedure in case of disputed accuracy Violation of 15 USC 1681i ( a ) ( 1 ) ( A ) ( 5 ) ( A ) ( ii ). 


if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, In accordance with the Fair Credit Reporting act. Credit Reporting Agency Transunion are in Violation of Law 15 USC 1681i ( a ) ( 1 ) ( A ) ( 5 ) ( A ) ( ii ).

Before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

An item of the information is found to be inaccurate or incomplete. 

Promptly delete that item of information from the file of the consumer,

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 2022-06-16 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 
So to start I didnt even receive any notice from the XXXX XXXXXXXX agency regarding this collection. After I checked my credit karma I discovered the collection on my Equifax account. So I called them and I notified them that I had already gotten into contact with XXXX and paid them the amount due so it shouldnt have been sent to collections months ago. Thats when the agent checked the account and said that I did indeed did pay {$80.00} and some change beforehand and asked if I wanted to pay a dollar to close it out completely. So now that its completely resolved I would like this collection deleted from Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: GA

Complaint narrative:
***NOT A DUPLICATE COMPLAINT. NEW INFORMATION*** There are 3 different dates reported under date of last activity, last verified, date reported, date opened, closed date, high balance and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy. Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I have submitted several disputes for the past year regarding inaccurate information on my credit report and the credit bureaus have failed to conduct a proper investigation to correct the inaccurate information on my credit report. The credit bureaus have violated my consumer rights and have not taken my disputes seriously. 

Every account listed in the attached credit report is inaccurate. 

DELETE IMMEDIATELY DUE TO INACCURACY. 

I have attached my credit report from XX/XX/22 with all the inaccuracies highlighted. This complaint serves as my dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: SC

Complaint narrative:
On XXXX XXXX I made 2 sales of XXXX  using cash app. My account was in good standing when this happened and I had approx {$240.00} in the account. The next day I went into my account and saw {$200.00} was missing and I only had like {$42.00} left. I immediately wrote cash app and they said that I made a dispute using a debit card ending in 4 numbers that doesnt match any of my debit or credit cards. They garnished {$200.00} of my funds and they could only say that I tried to add {$200.00} from my bank account and then disputed it. Okay so if I add XXXX and then take it away Im left with XXXX right? So why is it that I had over XXXX on Sunday and then Monday night its down to XXXX? Where did the XXXX go because there was no withdrawal or use of the XXXX I added while my account was in good standing. I should still have $ XXXXand the other XXXX that never added should have made the account {$440.00} and then a dispute for XXXX makes it again {$240.00}. They have terrible chat support who was incapable of giving me even the slightest bit of concern as to suspected fraudulent activity. They keep telling me to contact my bank and that would be absolutely useless since my bank account didnt initiate any sort of disputes. So I have no records of this anywhere in my account to even find out what is wrong. Where is my money and where did you guys learn mathematics?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: UT

Complaint narrative:
After a post covid flex modification, Caliber has not settled my account. I have continued to make my monthly payments that were agreed to in the modification and am seeing now a new random charge of XXXX which is not related to my monthly payment. This is not my monthly payment and I have called in 4 times and been told that I have money in a suspense account that needs to be applied to my an outstanding random balance and to not make payment unless I want to pay a month ahead. Yet, they now have reported me being late on payment to the credit bureau. This is illegal to report me late if it was a result of covid and the modification process! They also indicated that this mess is all because they said they got a new software system when I was coming out of forbearance. I am at my wits end with this company. Please help me get this resolved and fix the credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: AZ

Complaint narrative:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 6. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In accordance to my rights of privacy 15 usc 1681 section 602h along with 1681 section 604a section 2. I want all addresses listed on my credit report removed. I have attatched two files that reflect the correct name, correct spelling, correct address. This is the only information on myself that i want present.

Company response to consumer: Closed with explanation