vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an active member of the United States Military and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was deployed during the change in terms and late payment. I have multiple attempt with the XXXX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.

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 2021-12-25 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: NY

Complaint narrative:
I have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an active member of the United States Military and usually travel according to my orders. I use the AutoPay feature to pay my bills automatically because while I am under orders, I am unable to predict the details of my mission. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of my deployment. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit while serving in the military. I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault as I was deployed during the change in terms and late payment. I have multiple attempt with the XXXX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.

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 2021-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
On XX/XX/2021 I used check number XXXX to pay 4 mortgages in the amount of {$10000.00} with Network Capital funding and on XX/XX/2021 I did the same payment method using check number XXXX in the amount of {$10000.00}. Network capital deposited both checks in their bank account and the check was paid by my bank and clear. But Network capital contacted me saying that they never received the checks, that I am owing mortgage for XXXX and XXXX XXXX. Though, i sent them evident of payment from XXXX XXXX and both check was deposited on Network capital account and clear, but they refused to listen. They threatened me with all kinds of phone calls and letters, despite they have the prove of payment in their bank account. 
At the same time I was refinancing of one of my property at XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX with XXXX to enable me take advantage of the low interest rates and my good XXXXredit score. At this time my credit score above XXXX and the XXXX XXXX gave me interest rate of 4.37 % ..See attached letter to commit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX  XXXX. 
By the time XXXX XXXX was ready to fund, Network capital had reported late payment and ruined my credit rate to below XXXX and XXXX XXXX are unable to fund in that rather. All effort to contact Network capital to persuade them that the error is not on my part but from theirs was unfruitful. Though, they get their money on time, they cashed and refused to acknowledged that they did not record their accounting properly and in turn ruined my life.

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 2021-12-25 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: NY

Complaint narrative:
I have this account opened in XX/XX/XXXX. Since then I have been 100 % on time with my payments. The account is always paid on time and always handled responsibly. I am an XXXX member of the United States Military and usually travel XXXX XXXX XXXX XXXX. I use the AutoPay feature to pay my bills automatically XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was under autopay but somehow this feature was removed or the terms were changed because the money was not taken from my account as originally agreed. I do not have any blemish on my credit except for this late payment that occurred in XX/XX/XXXX during the months of XXXX XXXX. The servicemembers Civil Relief Act usually covers and protects US soldiers from adverse effects to their finance and credit XXXX XXXX XXXX XXXX XXXX I ask this to be looked into and removed from my credit report. This is the only late showing up and should not be reported because this was not my fault XXXX XXXX XXXX XXXX during the change in terms and late payment. I have multiple attempt with the XXXX and the credit bureaus but the late payment continues to report in my credit file. I attached the copy of the letters from the Department of XXXX to prove my whereabouts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Trans union credit report had my current address incorrect and previous addresses Ive never resided at- and phone numbers Ive never had. Trans union failed to remove the information upon my request of investigation. Ive never lived at any of the places I reported and phone numbers I reported. They dont keep accurate information or respond to me attempts to resolve these on going issues- why does Tran union have so much inaccuracies in 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 2021-12-25 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I provided Navy Federal Credit Union with my orders as well as other information were I had no access of making these purchases with my credit card. $ 17,000+ in consistent Instacoins were made where no security measures were made. Ive tried reaching out to them, given so much evidence and no response to the matter. It is very inconvenient, and that is an understatement. I have consulted with my lawyer in the next steps but the now is the problem. Im continuing to make the payments on time but I would hate to make {$17000.00} in payments for purchases I had no part of. 

I can say I will not be getting another card from Navy Federal for sure. This has been an ongoing issue since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
On XX/XX/2021, I entered into a contract with OppLoans for a {$1700.00} loan. I was not aware of the 159.49 % APR until after I had received the paperwork and deposit. I didnt see it. See attached. I am happy to pay the {$1700.00} that they sent me but I will not send that money in interest. They have scammed me and not told me everything up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I reached out to American Express so I could exercise my consumer rights to validate the alleged debt and they are denying me my rights to do so. The company ignored my request to receive all documentary evidence and told me the account status does not meet the criteria for us to fulfill a debt validation request which violates FEDERAL LAW. American Express is blatantly violating my consumer rights by not allowing me to validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX  twice from XXXX XXXX XXXX  XX/XX/2020 these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXXI have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.

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 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have inquiries from XXXX XXXX dated for XX/XX/XXXX and XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are unauthorized inquiries and I also have no account or do business with this lender please remove from my credit report these inquiries are hindering my well being and score. I would also like you to remove all names and addresses different from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX.I have became a victim of fraud with accounts and personal information used to get credit in my name a account XXXX XXXX XX/XX/XXXX XXXX bal {$4900.00} I have also attached the report that was made ID.gov .Please remove all incorrect info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I applied for a XXXX loan through the XXXX in XXXX of 2004. The Company Nelnet ended up servicing the loan. They supplied me with a Master promissory note with my signature, proving that it was a consumer credit transaction, and they did not give me credit, as I am the original creditor. I am asserting that I owed nothing after I signed the document and my credit was utilized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my XXXX credit reports with Transunion, XXXX XXXX XXXX it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly it's not.

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 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my XXXX credit reports with XXXX, Equifax XXXX XXXX it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly it's not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my 3 credit reports with XXXX, XXXX XXXX Experian it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly it's not.

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 2021-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
My vehicle was a total loss. My insurance company has paid their portion and now I'm on to my gap insurance. I have contacted Ally financial over the last 2 weeks requesting copies of my loan history and MSRP to provide to my gap to finally get the loan paid off. I have spent hours on the phone being told they wont provide the MSRP and I have yet to receive a copy of the loan history either by fax or in the mail all of which I am constantly requesting. I believe they are trying to milk up as much interest as they can and refusing to work with me.

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 2021-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MO

Complaint narrative:
I used a XXXX plan for 2 days and then transferred to XXXX in XX/XX/XXXX. Then I received a {$75.00} bill. I called XXXX in XXXX or XX/XX/XXXX. The customer confirmed that I didn't have to pay anything because I only used their service for 2 days. XXXX didn't send me any more bills since then. Recently ( XX/XX/XXXX ), XXXX asked a debt collection company ( Receivables Performance Management ) to send me a letter and said that I owe them {$75.00}. 

I tried to log in to my XXXX account but they deleted my account, so I was not able to download or see my final bill.

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 2021-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery calls day or night everyday. Have told them over phone its not mine and they harass and immediate call back a couple of hours later and the rest of the week. They never provided written documentation confirming account and have reported to credit bureau multiple times after removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX I at XXXX this morning purchased XXXX, XXXX gift cards from speedy on XXXX XXXX XXXX XXXX in XXXX Mn. I gave them XXXX CASH for XXXX vanilla gift cards and when I tried to use them 1 had ZERO on it..the second it was activated someone purchased XXXX on XXXX and the balance is 0... the 2nd one had also XXXX and when it got activated someone stole XXXX from XXXX XXXX company. The 3rd one is not yet active however I feel once it is someone will steal that as well ... vanilla visa customer care puts u on hold FOREVER..XXXX says XXXX XXXX its my problem and I even called XXXX police and they also said it's my problem..Now how do I give XXXX for 3 gift cards get NOTHING in return and it's MY PROBLEM..The same thing with XXXX happened to me at XXXX back in XXXX and XXXX said its.my problem XXXX Now how do these companies continue to sell bad credit cards and when they are confronted they say GO AWAY? WTH..is this news that they are doing this daily..it 's all over the internet ..I am out XXXX and XXXX  and vanilla won't do a thing..thanks for your time..sincerely XXXX XXXX XXXX XXXX XXXX XXXX and God bless fyi.. I called them two times tonight and waited one time for XXXX XXXX and 1 time for XXXX XXXX  and both times Vanilla gift card customer service hung up on me said that there was nothing they could do and they hung up as well ... Is this not theft? 






. 

Sent from my XXXX  XXXX Device Get Outlook for XXXX  Sent from my XXXX  XXXX Device Get Outlook for XXXX Sent from my XXXX  XXXX Device Get Outlook foXXXX XXXX

Company response to consumer: Closed with explanation