vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Between XXXX, I suffered major financial hardship and losses due to identity theft. I had every bank account app on my phone hacked and financial info changed and uploaded documents and checks that were not from me via these applications. During this, NFCU had flagged a check that actually was not uploaded by me or my device. They immediately froze all of my accounts, cancelled my debit accounts and literally within minutes I had no way to buy groceries, gas for my vehicle, or pay for anything while being a single mother. I contacted them and was told nothing could be done and that my bank accounts were now in " credits only ''. The closest navy federal to me is about a one hour drive away. Because I had no gas and no access to money ( but a little change ) I had to take the bus all the way there and beg them to release some funds to me so I could I could feed my kid. That day XXXX filed a written statement, verified who I was, provided my device info to prove that I was not the one who uploaded the check in question, as well as provided copies from equifax, my other banks that verified fraud on those other accounts and appealed the bank to please unfreeze my accounts and allow me to manage my finances online as usual. I had to wait 7-10 business days for a response while my accounts remained frozen. I was then told that they would be closing all but my savings account due to my credit card with them that also had fraudulent charges ( which they never refunded ). It took me 4 months to receive my direct deposits from social security, the VA and retirement allotment due to needing a new bank account and navy federal kept accepting the direct deposits without allowing me access without travelling to the bank and then having to take all the money out cash at one time in a bad neighborhood, inability to pay my bills online causing me to purchase prepaid cards and money orders/cashiers checks costing me more time abd money. I have appealed to have my obline access restored and my accounts restored as I have been in recovery mode after id theft. and denied without any factual reason as to why I could t have them restored or given online access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report onXX/XX/XXXX2021. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.

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 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XX/XX/XXXX XXXX, XXXX Kimball , Tirey & St. John LLP, in co-operation with The XXXX XXXX XXXX XXXX reported to XXXX  a debt that was discharged in XXXX due to a bankruptcy filing. XXXX, XXXX XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX transmitted an electronic email to me ( XXXX XXXX XXXX the email stated the reason ( s ) why our recent rental application ( s ) were denied by The XXXX XXXX XXXX XXXX XXXX XXXX  has since reported this alleged debt and it has caused significant damage to our credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
paypal closed my accuont for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I am XXXX and have had Health issues that are out of my control. And have had a really tough time paying my bills due to the economy and the prices to live going up. Ive called and told them. Begged for them to work with me, this vehicle is the only vehicle I have. I have drs visits and stuff I have to be able to get to. They repoed the vehicle last night. Didnt knock on the door or attempt to contact me. After calling they want the full payoff. Not whats past due. They refuse to work with me and are very hateful. Ive had severe anxiety over the whole situation for days and I cant take nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/XXXX I was made aware that my identity had been stolen and that the XXXX ARKANSAS payments had been being paid out to a debit card in my name since XX/XX/XXXX. I filed a police report put a fraud alert on my credit contacted the attorney generals office and contacted the US Bank Reliacard. The bank filed a dispute for the transactions that had taken place. I was asked to verify my identity. I submitted documents to verify my identity on XX/XX/XXXX. I reached out to the bank several times to no avail. I recieved a transaction dispute form in the mail on XX/XX/XXXX. I submitted the completed form along with a copy of the police report via fax on XX/XX/XXXX. I called The US bank on XX/XX/XXXX and was advised the investigation had concluded no fraud had taken place and my identity was still not verified. I disputed the decision which was made in less than 24 hours from the time i submitted documents and was told no credit would be recieved on my behalf. I have done everything asked of me to fight the identity theft and the bank carelessly made the decision without investigation. I have been told something different every time i have called and have not recieved any kind of help. The bank neglects to contact me within the time i am told they will. Nothing has been done in a timely manner. No form of help is being offered when i have complied with everything that has been asked of 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 monetary relief
Consumer complaint received 2021-05-19 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: NC

Complaint narrative:
I applied for a XXXX  gas credit card through XXXX XXXX  on XX/XX/21. I was denied, reason applicant is deceased. I assure you that I am not dead. A hard inquiry was listed on my credit report which I dont understand since XXXX XXXX  told me Im deceased. I called XXXX XXXX  and spoke to both them and their XXXX services department. Neither could give me an explanation on why I was listed as deceased. They told me to contact the three major reporting agencies. I contacted TransUnion. After several hours on the phone they told me nothing in my file indicated that I was deceased. Next I tried to contact XXXX. Their automated prompts doesnt have an option for my particular issue and it is impossible to speak to a live person. 

Can someone please get to the bottom of this? I want to know where XXXX XXXX got their information since they could not provide me with an answer.

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 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I MOVED OUT OF THESE APARTMENTS IN XX/XX/XXXX. XXXX A STAFF MEMBER OF XXXX XXXX OFFERED TO COMPLETE WALK THROUGH AS XXXX XXXX HAD THE OFFICE CLOSED DURING BUSINESS HOURS AND WAS UNAVALIBLE XXXX INFORMED THAT EVERYTHING CHECKED OUT GOOD AND XXXX WILL MAIL DEPOSIT ALONG WITH COPY OF WALK THOUGH I PROVIDED KEYS TO THE UNIT. HE REQUESTED CONTACT INFORMATION FOR XXXX IF ANYQUESTIONS. I PROVIDED MY FORWARDING ADDRESS AND EMAIL AND CELL NUMBER AND MOTHER. I NEVER ONCE RECIEVED ANY COMMUNICATION/ CORRESPONDENCE OR DID ANY STAFF MEMBER OF XXXX XXXX XXXX ME IN REGUARDS TO ANY BALANCE DUE OR OWED NEVER RECIEVED MY DEPOSIT CALL NO ONE ANSWERED OFFICE WAS ALWAYS CLOSED WHEN I WENT BY. LEFT IT AT A LOSS. I SEEN ON MY CREDIT REPORT XXXX XXXX XXXX WAS REPORTING A BALANCE OF {$430.00} ON XX/XX/XXXX HOWEVER COM IN WHICH WAS NEVER DISCLOSED WITH ME I ASKED THEM FOR PROOF AND DOCUMENTATION THAT SOMETHING WAS SENT TO ME BECAUSE I DID LEAVE M CONTACT INFORMATION AND STILL HAVE NOT RECIEVED ANYTHING CALLED APARMENTS SPOKE WITH XXXX STATED COMPANY HAD BEEN BOUGHT OUT NO LONGER IN BUSINESS. I ASKED THEM AND HAVE DISPUTED THIS COLLECTION FOR MONTHS AND NO RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( Bankruptcy Chapter XXXX, XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Starting 90 days ago I reached out to Chexsystems to advise them that per my consumer reports that they were in violation of many of my federal consumer rights. They continued to respond to me with a response that their information Was verified and accurate. I tried again 60 days Ago and 30 days as above and yet and still They provided me the same reason which you can see for your self per exhibit A, Fact the fcra is a federal law that regulates the collection of consumers credit information and access to their credit reports it was passed in XXXX to address fairness, accuracy and privacy of the consumers. 
Fact per proof on exhibit A that Chexsystems is in violation of 15 usc 1681b ( a ) ( 2 ). Permissible purpose. I never Provided XXXX with written consent to report anything on my consumer report/ file. When there is no consent that is identity theft. 

Fact per proof attachment labeled exhibit A that Chexsystems is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by XXXX only I can Validate a debt and I do Not validate this debt. 

Fact per attachment exhibit A Chexsystems is also in violation of 15 usc 1681a ( 2 ) ( b ) which the law that any authorization or approval of a specific extension of credit directly or indirectly by the issuers of a credit card or similar device. Chexsystems stated that they verified This item, but that is not true, Im the original Creditor Im which I Unable to extend credit to myself. 
Per fcra civil liability for willful noncomplaniance per 15usc 1681n ( a ) 2 ( I ) federally consumer laws were violated and the due amount to me is {$3000.00}

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 2021-05-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX  is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report. 

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY XXXX XXXX XXXX ( SEE ATTACHMENT ) XXXX  XXXX - 17 late payment reporting including 6 months of being reported as XXXX Equifax XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off XXXX SEE ATTACHMENT ) XXXX XXXX - NO DATA XXXX XXXX is reporting this account different to each bureau ( SEE ATTACHMENT ) to XXXX they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXX XXXX they are reporting XXXX To Equifax they are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX  is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report. 

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY XXXX XXXX XXXX ( SEE ATTACHMENT ) Experian XXXX - 17 late payment reporting including 6 months of being reported as XXXX XXXX XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off XXXX SEE ATTACHMENT ) XXXX XXXX - NO DATA XXXX XXXX is reporting this account different to each bureau ( SEE ATTACHMENT ) to Experian they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXXr XXXX  they are reporting XXXX To XXXX XXXX are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three 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 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CT

Complaint narrative:
During the month of XX/XX/2020 i got Refinance mortgage loan locked with interest rate at 2.375 % with Loan depot for my Multifamily 2 duplex house. They made me to wait more than 100 days to close the deal where i lost most of other companies who were offering me better deals. 

During the final hours of the closing the company raise the interest rate 1 % more to 3.375 % claiming it to be an investment property. All terms and conditions were discussed during the initial hour of lock in. I did not agree to this deal and requested refund of the payment used to lock the interest rate. I called up customer service and immediate production manager regarding the issues and he promised to refund the amount. 

Currently neither the company offers me a refund nor continue with existing interest rate at 2.375 %. the company is been duping the customer and forcing them to get the rates locked up. 

I need your assistance to get this resolved. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander has a charge off on my credit file on an account that is in litigation due to predatory lending between XX/XX/XXXX, XXXX XXXX. Louisiana Attorney General XXXX XXXX has picked this up due to the predatory lending. They reported inaccurate payment dates. They repossessed the vehicle and sold it for over the amount that was supposedly left owed. Keep in mind I paid over XXXX and put XXXX down on a XXXX $ car. They are XXXX $ is owed and it is not. This debt is no longer owed and they have sold it to multiple collection companies. XXXX XXXX XXXX sent me a dunning letter trying to collect XXXX $ that I received in the mail on XX/XX/2021. This debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TX

Complaint narrative:
The information in the attachments with no Creditors how can I legally pay for something or be obligated when I don't know who it is!? 
FRCA violations : see below and attachments :

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 2021-05-19 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: TX

Complaint narrative:
The information in the attachments with no Creditors how can I legally pay for something or be obligated when I don't know who it is!? 
FRCA violations : see below and attachments :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
I received a total of 12 phone calls on XXXX XX/XX/2021 and the morning of XXXX XX/XX/2021 from Credit Corp Solutions. The company failed to cease calling me after I asked them to cease and desist any/all communication with me. On XXXX XX/XX/2021 they started calling me at XXXX, at which time I asked to speak to a manager at the call center. I spoke to XXXX XXXX and he informed me that they use an automated dialing system to call debtors and that they were looking for someone named XXXX, about whom I have no knowledge. I'd like for this company to stop harassing me, my family members, and anyone associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was paid by check for work I performed. I don't have a bank account, so I asked my brother in law to deposit the check for me and he did, using his account ( XXXX ) at SunTrust ( Truist ) via mobile deposit. I didn't realize that the person who wrote the check XXXX XXXX XXXX forgot to sign it. XXXX was contacted by his bank, and he authorized the funds to be released on XX/XX/2021. SunTrust flagged the transaction and did not allow the funds to be available in my brother in law 's account. I went to SunTrust with XXXX to figure out what needed to be done on XX/XX/2021. The branch employee contacted the necessary department, and told us we needed to write a letter showing all parties involved were aware of the transaction and wished that it be honored. We wrote the letter and had our signatures notarized and faxed it to the number provided on XX/XX/2021. SunTrust verified receipt of the letter. On XX/XX/2021, SunTrust closed my brother in law 's account and gave him a check for just the funds he had in the account, not including my {$13000.00}. I went to the branch on XX/XX/2021 to ask about my funds and the branch manager stated that it was in process and I should receive them within 15 business days. Today is XX/XX/2021, I went to SunTrust again to ask about my funds, and they stated that they never received the funds from XXXX 's bank. I have verified with XXXX and his bank, and have been shown the transaction where the funds were taken from XXXX 's account. This is unfair and prejudice against me because I am XXXX. We have made every effort to do what they ask. I work hard for the money I earn and I have a family to support. I can't wait any longer for the money. Please 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 explanation