vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am currently stationed overseas and I was out with some friends when I misplaced my phone, I ended up finding it later that day and everything seemed fine with my phone. On XX/XX/2020, I noticed that there was a XXXX cash advancement pulled out on my credit card and the following day there was a loan taken out under my account. I myself did not take out this loan or request the cash advancement, so immediately after finding out I went into Navy Federal branch and started a Fraud claim process with them. I got all the help I needed to fill out what was needed and submitted the claim. I was told I would have to wait about 15 business day for the outcome of the claim. As the claim was going through, they removed the loan and reversed the XXXX cash advancement. As the 15 days came closer I realized that the loan and the XXXX was posted on my account again. So I took it upon myself to call Navy Federal and ask what the outcome of the claim was and the lady I spoke with said that my claim was denied. She informed me that I could do an appeal on the claim and sent me the form that I needed to fill out for the appeal. I was heading back home to the states for the holidays at this time, so when I got back to the states I went into a branch and got help with the appeal. The clerk helped me fill out the form and I submitted the appeal along with screenshots of the activity that was happening with my accounts. Whoever applied for this loan and requested the cash advancement, also hacked into my cash app, XXXX XXXX  and XXXX. They used those three applications to transfer the funds to other accounts. The names on those accounts I have never associated with before. I am appalled by the lack of security by Navy Federal, the loan should have never been approved because first there is no hand signature. Anyone can fake a digital signature, and two it should have been an in person process not an online process. I don't believe that Navy Federal did a thorough investigation of the activity. I would like to see all documentation and validation supporting this investigation on my account, in order to validate that my information was not compromised by staff or employees of this financial institute or any affiliated financial institute connected to these transactions. 


In the images attached, as you can see those names and phone numbers can be linked to someone. I don't know who those people are and have never sent money to them ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Commonwealth has reported an account on my credit as being from XXXX. I have been disputing this account multiple times. This needs to be deleted off of my credit report. This is an old medical bill from XXXX, not XXXX as they have it listed. When this first reported, I had no idea what this was for. I never received any bills for this claim. It just showed up on my credit. Since learning of this I have investigated and disputed this matter multiple times. This was my son 's medical bill which he was covered with Georgia state Medicaid insurance during this time. I provided this proof to this collection agency. I also spoke to a Medicaid  claims representative and they stated they never even received anything for a bill. The representative also stated I wouldve never been billed for this or been left responsible since he was covered by Medicaid. After one of the many times I disputed this with the credit bureaus XXXX, XXXX  and XXXX  and made a complaint with the CFPB, the Commonwealth rep said they needed me to verify he had the medical coverage. I have since provided this documentation to commonwealth and all 3 credit bureaus. I requested a confirmation of receipt of this email yet never received anything. They have not followed up and given me any information. I have called multiple times. Commonwealth has fraudulently reported this and not even following up with be trying to take care of this matter. Please remove this off my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In response to my last dispute about dinging my credit when refinancing. Yes XXXX did email me XX/XX/XXXX, but lets start from the beginning. I was told XX/XX/XXXX over the phone by XXXX XXXX not to make my next mortgage payment. I then also reached out to him XX/XX/XXXX via email if I need to pay or not with no response. After all of this then all a sudden XXXX came into the picture and never heard from XXXX again. I have sent emails and called XXXX and XXXX multiple times after the fact and once again no response. I will now attach emails I've sent and if needed more then happy to show you my call log next. When XXXX said to make the payment XX/XX/XXXX I reached out to her to clarify XX/XX/XXXX via email on what I was told initially. Like I said before I was more than happy to make that payment. Problem is why I couldn't get answers from whom I was working with and trusted at the time. Yes you may have been busy but like I said before as a customer not in your line of work I looked for help. The fact that I just emailed and called multiple times questioning if I should pay XXXX and no response and clarity is sad that you dinged my credit. Freedom Mortgage also did an escrow refund, and waived all late fees. Please sell attached in attachments. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom it May Concern : I am putting in a complaint because Sychrony Bank ( Care Credit ) has kept late payments on my credit report. 8 months ago, I informed them that I could not make the monthly payments due to hardship and the high interest rate. They informed me that they would take off the interest rate, closed the account so I can afford the monthly payments and continue to pay off the loan. They also said the understood my hardship and would take off the late payments on my credit report. 
The past 8 months, I have never missed a payment and Ive made every payment on time but there is still late payments on my credit report. I have mailed the courtesy letters every month asking them to please take the late payment charges off of my account. They sent me a letter stating they couldnt because its a law and that they have to keep the late payments on my credit report. 
I have continued to send letters every month to Sychrony and the credit bureau to get this matter resolved because its highly effecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On XX/XX/XXXX I set up a new checking account with Chase using the open new account link which described a coupon code being automatically applied for a {$200.00} bonus with prerequisites, which I fulfilled in the allotted time and the disclosure said that the bonus would be deposited within 10 business days. When I didnt receive bonus within 15 business days of fulfillment I called in on XX/XX/XXXX to question why I hadnt received the bonus and was told that a coupon code was never entered, I escalated to a supervisor whom was still unable to help and said the only way to have the coupon applied was to close the current account and open a new one with the code, which made no sense to me considering this was the main reason I setup the account in the first place and would have no clue of the bonus had I not opened it the way I did, and thought it to be computer error. Nonetheless he also tried to enter a code from the option enter email for code section which I also entered that day and received with him still on the line. The system would not accept it. I just want a resolution to the problem which he was unable to provide. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17 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: American Credit Acceptance, LLC
State: OH

Complaint narrative:
AMER CR ACPT XXXX Date Opened XX/XX/2017 Balance {$15000.00} Isnt your agency supposed to report only the accurate information? There are two different dates of date opened and three different dates of last activity reporting. and lastly, This late payment might have been incorrect and your agency just reported it without even verifying it. Did you know that its a violation? I am certain that this kind of reporting is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received a letter from Medical Revenue Service dated XX/XX/2021 XXXX # XXXX accusing me of a bill owed to them. In the letter it stated that I have 30 days to dispute the validity of the debt. Without my dispute of validity, Medical Revenue Service took the liberty on XX/XX/2021 placing the debt of {$140.00} on my XXXX  credit report before the 30 days I was given to dispute the validity of the debt. I just received this letter less than 5 days ago and they put this on my credit report. This is a violation of my rights. Which is grounds of a law sued. This debt is not mine. Medical Revenue service has never had any contracts me, Medical Revenue service has never taken any money from their account to loan me any money.. This is not my debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Nelnet, Inc.
State: OH

Complaint narrative:
NELNET XXXX XXXX Date Opened XX/XX/2004 Balance {$0.00} NELNET XXXX XXXX Date Opened XX/XX/2004 Balance {$0.00} How can you say that this account is verified when Im still seeing inaccurate information being reported? There are three different dates of the last activity reporting. Isnt the date of the last activity supposed to be the same in each bureau? How can you immediately report this account 90 days late when theres no late payment before that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Date Opened per Credit Report : XX/XX/XXXX Balance showing is {$2900.00} XXXX XXXX XXXX - ACCT AS SHOWN XXXX. Says original balance was {$3000.00} shows no payments made. Original Creditor is Synchrony Bank. I wrote to them and asked them to send me proof and never got anything from them. I have been paying my debt under XXXX XXXX which is a debt relief company. I have been on their plan since XX/XX/XXXX and I'm almost done paying for the accounts I had at the time I signed my contract. I only kept my XXXX XXXX and XXXX XXXX cards. I recently started rebuilding my credit but not until XXXX. I am asking to please get them to remove that account from all my credit reports. I would have never opened an account for over {$3000.00} and not pay for it. I will need proof of statements to see where this debt came from and proof that I applied for it. I never received any statements. I will not pay for something that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom it May Concern : I am putting in a complaint because XXXX XXXX  ( XXXX XXXX ) has kept late payments on my credit report. 8 months ago, I informed them that I could not make the monthly payments due to hardship and the high interest rate. They informed me that they would take off the interest rate, closed the account so I can afford the monthly payments and continue to pay off the loan. They also said the understood my hardship and would take off the late payments on my credit report. 
The past 8 months, I have never missed a payment and Ive made every payment on time but there is still late payments on my credit report. I have mailed the courtesy letters every month asking them to please take the late payment charges off of my account. They sent me a letter stating they couldnt because its a law and that they have to keep the late payments on my credit report. 
I have continued to send letters every month to XXXX and the credit bureau to get this matter resolved because its highly effecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
5/3 BANK NA XXXX Date Opened XX/XX/2019 Balance {$400.00} Isnt your agency supposed to report only the accurate information? There are three different dates of the last activity reporting. Isnt the date of the last activity supposed to be the same in each bureau? How can you immediately report this account 90 days late when theres no late payment before that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Ascendium Education Group
State: OH

Complaint narrative:
XXXX XXXX XXXX  XXXX Date Opened Balance {$8700.00} Did you even legally verify this account? Isnt the date of the last activity supposed to be the same in each bureau? I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation? How is it possible for the balance to be higher than the high credit/high balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is my 18th complaint against Select Portfolio Servicing ( SPS ). SPS never mails RESPA complaint monthly mortgage statement on time always after each month ( 30/35 days late ). For example, I have not received XX/XX/XXXX mortgage statement, even after paying the XXXX mortgage on XX/XX/XXXX. This corporation sends a copy to CFPB, showing how they are complaint on everything. SPS sends very much delayed monthly mortgage statement with an intention that consumer will not know how much to really to pay every month ( as principal gets reduced - interest amount is also reduced ), so that SPS can illegally foreclose consumers home. But if CFPB opens an in-depth investigation into SPSs practices ; CFPB will find ( as other consumers found out ) that SPS is NOTHING but a XXXX, so say the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
CB/VICSCRT XXXX Date Opened XX/XX/2016 Balance {$0.00} Im unsure about the accuracy of this reporting. There are two different dates of date opened and three different dates of last activity reporting. I am certain that this kind of reporting is a violation of the FCRA. Your agency needs to look into this account to verify every single piece of information and to see if this account is verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
FCO ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2019 Balance {$2500.00} I dont believe that this reporting is correct. I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: ERC
State: OH

Complaint narrative:
ERC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2019 Balance {$500.00} I dont believe that this reporting is correct. This reporting is incomplete. Your agency is supposed to provide the missing information as they are missing from the report. I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following company is violating serious laws. I have requested a investigation and have not been provided the information requested as given to me by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Security Credit Services, LLC
State: OH

Complaint narrative:
SECURITYCRED ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$760.00} How can you say that this account is verified when Im still seeing inaccurate information being reported?. This reporting is incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
ONLINE IN SV ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Date Opened XX/XX/2020 Balance {$1200.00} Im unsure about the accuracy of this reporting. There are two different dates of date opened and three different dates of last activity reporting. I am certain that this kind of reporting is a violation of the FCRA.

Company response to consumer: Closed with explanation