vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been disputing 2 separate accounts on my credit report since XX/XX/21. Since the initial letter that I sent on XX/XX/21, I have sent 3 more letters on 3 separate occasions requesting a real investigation be completed into these accounts. The second letter was sent on XX/XX/21, the third letter on XX/XX/21 and the forth letter on XX/XX/21. I have yet to received a substantial response about these accounts. My last letter I sent on XX/XX/21, I requested the method of verification for these accounts and have not been provided that information which is a violation of my rights with the FCRA. I feel like my request are being ignored. There are clearly errors regarding both accounts if anyone really took the time to do a real investigation. I have the right to complete and accurate credit report. And it is worth mentioning that I was affected by the XXXX Data Breach which is all the more reason that my credit report be completely accurate.

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 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX I used the 24 hour drive thru atm at the XXXX  florida location after bank hours. I did make a mistake and use the wrong card. I deposited XXXX dollars. The atm said error with deposit returning cash and then said error returning cash. It had some money sticking out thay I had to pry from the machine it was a total of XXXX dollars instead of the XXXX. I called the 1800 24hour customer service right away they said to go in to the branch after getting and understanding what had happened. An investigation was launched In which i was told there was no overages and no way the money could be jammed. I asked about the cameras because i had sat there and counted the money i pried from the machine they said they saw me receive money and started i got the full amount back. I already assumed from the way the lady at the bank said the investigation could be denied that they assumed i was lying and just trying to get free money. After it was denied I called back several times asking them to double check the atm and cameras because I didnt receive my money. Was told there's no possible way it's in the machine and they service them their selves and nothing else she could do for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Security freeze implented via my I'd was cancelled months ago PERMANENTLY. It would be nice of these so called professionals comprehended XXXX because they evidently can not. I am now l locked out and need everything removed YESTERDAY by all three XXXX  agencies Experian XXXX and 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 2021-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SUN LOAN COMPANY INC.
State: NM

Complaint narrative:
I had spoken to the manager at Sun Loan in XXXX, NM and asked not to contact my references or my employer as I am not able to take personal calls. On XX/XX/XXXX my employer informed me I got a call from Sun Loan. My job is on the line now. When I spoke to the manager she said that she did not have anything in my file that they can not call my employer. I did tell her my husband and son both had XXXX  we have been struggling and I will contact them when I am able to give them a payment. She became very aggressive and rude saying she will not stop contacting me and will continue calling me at work and references to get in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
BBVA Compass stopped sending me statements back in XXXX. I asked numerous times for current statements but they refused. I am currently trying to refinance my mortgage of which they are a second holder. I have asked for a payoff figure but they have refused my request. The company that I am using to refi has reached out several times for a payoff figure but they refused. Each time I called for a figure, they would hang up on me. I then sent a request via email on XX/XX/XXXX but they have not responded to that either. The underwriters have reached out several times, as well. The only response I received from them, several months back was that I was in bankruptcy. I am not and have never included them in any bankruptcy!!! I don't believe that they have the right to hold my banking information hostage like that. Both the mortgage bank rep and myself called again today for a payoff amount and they declined to help. We were on the phone with them for over two hours, but without any success. They are just refusing to give us a current written payoff amount. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Rocket mortgage would not provide a loan estimate upon request after submitting my application on XX/XX/XXXX. I requested multiple time for a loan estimate but they would not provide one. Even after getting an accepted offer on a property on XX/XX/XXXX, they would not provide a loan estimate until I provided the completed purchase agreement and other documents. For multiple days, they said they " do things differently '' and would not provide that loan estimate without the " required '' documents. They wouldn't even provide information on the estimated closing costs including origination and loan fees. I explained the 3 day requirement and the information provided by CFPB, and they sill would not give the loan estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Al XXXX SSN : XXXX DOB : XXXX NCB Payment and Correspondence is listed on my credit reports but i have no debt with them. I was told they bought my account from another collector. After reviewing my credit report I noticed a lot of inaccuracies on my credit for said account. The date the account was opened is wrong for all accounts. Also, the date the account was reported is not correct. There is no verification date listed on my credit report. The date shown for last activity is not correct. There is no last payment date listed. Please investigate so that I can have these errors removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: National Credit Adjusters, LLC
State: IN

Complaint narrative:
On XX/XX/2021 I called National Credit Adjusters @ XXXX because the company was listed on my credit report. I was advised that I owed a balance of {$620.00}. I do not recall opening any credit cards during that time and I believe it may be fraud. I was told by the agent I spoke with to go on this website to report what I believe to be frraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: North State Acceptance, LLC
State: TN

Complaint narrative:
This makes the second complaint against this company. Northstate is still sending information about a negative remark of some sort to the credit bureaus. Their excuse at first was that I was paying too early and needed to pay a day or two before the due date, so I began doing that. For the first month, I didnt get the negative remark. Now, once again the remark has reappeared on my credit information. I pay on time and have always prided myself with paying as early as possible for this company. Each month, I have to dispute this information with the credit bureaus and it has become such an unnecessary hassle. I constantly have to check my credit because Im afraid that this company has once again applied a negative remark. The company accepts no responsibility for applying a negative remark and always ensures me that I am an outstanding customer. I need this issue to be fixed and will continue complaining until it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
I started the process with Amerisave to refinance my mortgage on XX/XX/XXXX. I had been referred to them by the XXXX XXXX website. During this process, they keep having me sign disclosures and the loan estimate keeps changing but I locked in my rate and the terms on XX/XX/XXXX. The loan estimate right before I lock in showed a lender credit of {$320.00}. The disclosure that was generated with the lock-in that I signed showed a lender credit of {$800.00} and I understand now that part of that is the {$500.00} that I paid to lock in my rate, so the actual credit went from {$320.00} to {$300.00}. After that, I was sent another set of disclosures on these the lender credit was {$49.00}. I emailed the loan officer XXXX XXXX Loan Originator NMLS ID # XXXX asking for an explanation and I only received another email the next day to physically print and sign the new disclosures. I have called and have not gotten an answer. They had me pay a nonrefundable {$500.00} fee to lock in my rate and yet they are still making changes to the terms and closing costs. The Loan document even states : Before closing, your interest rate, points, and lender credits can change unless you lock the interest rate. 

Since I did lock in the rate these things should not be fluctuating. 

It was my understanding at the time that the {$500.00} would go to closing cost once the loan was complete so I am assuming it is included as part of the Other Credit section. So on the new disclosures sent to me, other credits are listed as XXXX meaning minus the XXXX there is lender credit of XXXX I spoke with an agent and they offered an extra XXXX credit but could not generate the disclosures for some reason they said the documents I sign were issued in error and at first claimed not to see them. They said the original XXXX lender credit that was promised changed due to market conditions in the 3 days before I locked in, but could not explain why documents showing the change were issued after the lock in.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I wrote a personal check on XX/XX/2021 to XXXX XXXX XXXX XXXX, my neighborhoods HOA. At the beginning of XX/XX/2021 XXXX XXXX XXXX XXXX contacted me stating I had not paid them. I sent them copies of the check and the proof of funds withdrawn from my account to which they notified me that is not their bank and not their account. Bank of America is the bank who withdrew the funds from my bank account and deposited it into one of their accounts which is clearly not the payee listed on the check. Upon receiving this information I notified my bank, XXXX XXXX XXXX XXXX XXXX, to which my bank filed the claim mid XXXX. I had not heard anything from my bank until I called them today and they informed me Bank of America gave no response to their claim and there was nothing else they could do. My bank told me I was out the check in the amount of {$500.00}. Because of this taking so much time my HOA is now charging me {$590.00} for the funds being late. I attempted several times today to call Bank of America customer service which was a failed attempt to contact with anyone at Bank of America. 

The supporting document check photo attached states the bank account bank of america deposited my check into as well as my bank account listed on the front of the check. I am willing to bet bank of america has no issues holding my money and lending funds to make interest off of the funds that were never there's to begin with.

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Security freeze implented via my I'd was cancelled months ago PERMANENTLY. It would be nice of these so called professionals comprehended English because they evidently can not. I am now l locked out and need everything removed YESTERDAY by all three XXXX  agencies XXXX XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Misleading and inaccurate information or accounts appeared from my credit report also unauthorized inquiries from unknown sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB, Inc.
State: GA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am having a problem with Navient on all of my credit reports .They are purposefully double posting collection balances to harm my credit even further. Navient did not supply me or inform me with the proper options to defer my student loans until I was able to pay them. It is illegal for a creditor to post a collections account multiple times for me to inquire multiple negative score changes or impacting on my credit score negatively. I am requesting that Navient corrects this and delete all of the late payment history as they never gave me an option to manage this debt correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I opened a new credit card account with my credit union. I then tried to transfer a balance from a Line of Credit over to the new credit card balance. The credit union 's system allowed me to do this, but they did not in fact transfer anything. The instead added to my LOC the amount of I tried to transfer. So essentially I tried to transfer a balance of {$650.00} from account to another. The Credit Union simply added {$650.00} ontop of the XXXX, so now I apparently owe them over {$1200.00}. When contacting the credit union all they would say is I messed up its my fault I did things wrong. Now, all my balances are messed up and the credit union will be stealing over {$650.00} from me once I pay that balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TX

Complaint narrative:
Misleading and inaccurate information or accounts appeared from my credit report also unauthorized inquiries from unknown sources.

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 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GFS II, LLC
State: TN

Complaint narrative:
I purchased a vehicle XX/XX/2021 from XXXX XXXX XXXX in XXXX, TN. My credit was ran and approved. I asked and was told they participate in the truth in lending act. I was still required to put a {$2000.00} down payment. XXXX XXXX XXXX said that Gateway financial solutions ( loan is through ) required it down even after asking/stating in regards to the truth in lending act as well as the law 15 US Code 1662b advertising of down payment and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
As I did not arrange any credit payment or installment, I would like my down payment of {$2000.00} refunded and account justified/cleared since they violated my rights. The car still currently does not run and I have been current with my car note each month regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: SC

Complaint narrative:
As far as I know in 2018 my x of 18 years used my credit info to apply for a student loan from Dept of Ed/XXXX XXXX loans 1, for XXXX and 2, for XXXX, which I never approved or signed are on my credit report. I am on a fixed income due to XXXX and have no way to pay this loan, So I never would have agreed to it. 
The dept of Ed/XXXX sent me a copy and there is no signiture on it, so I'm assuming it was done ona computer ( Not Mine ). I have disputed these loan several times with the credit bureau ( s ) the results come back fast and loans are confirmed. I did Not apply or give my approval to apply for these loans. And dept of ed/XXXX won't remove these from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a text message claiming fraud alert from my bank account saying someone tried to XXXX  {$2000.00} and it said reply yes if this was you or no if this was not you so I replied no and a couple minutes later I received a call with the chase customer service number and he said to avoid the money being drafted I basically had to XXXX my money to myself so he had me create a XXXX account with my email address to send the money to myself and I told him I didnt even have that amount so he said just transfer what you have which was {$410.00}, so the money was taken out of my account and I never got it back and then he just ended the call. My bank said they would not refund my money because I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
CREDIT CORP SOLUTIONS INC has received several disputes from me in the mail, and they have failed to validate the account in any way. They have also continued to report a disputed debt. They are in violation of both the FDCPA and FCRA and I am trusting you to handle this case with extreme prejudice!

Company response to consumer: Closed with explanation