vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On Wednesday XX/XX/2021 I was on XXXX XXXX and inquired about availability. The seller sent me a message on Messenger to inform me that it was available for either pick up or they would ship. I have made many purchases through XXXX and ebay and was informed that payments are handled the same way, the seller gets paid once the buyer receives the item and it is as described. I have never purchased on XXXX marketplace using online payments but have noticed may sellers offering to ship. I paid the seller known as XXXX {$250.00} using my XXXX XXXX XXXX card using the link provided to purchase a Macbook Pro and saw no warning regarding the potential for scams. I also did not worry because of the protection on purchases. Unfortunately the following day my inquiries over shipping and tracking were returned and all traces of the seller have disappeared. I contacted NFCU and was told that since this was a payment to someone on XXXX the payment was not protected and I was out {$250.00}. The transaction was still listed as pending but they refused to assist me or take a report. No where did it state it was transfer to the seller and my receipt from the transaction confirms it was for a Macbook Pro.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my account and placed a fraud alert on it however no frau was committed and there was no money received fr the account to have been flagged for fraud.

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 2021-01-22 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: NJ

Complaint narrative:
I had 3 XXXX XXXX XXXX account which I paid on XX/XX/XXXX. I have disputed the account more than 7 times. Each month they tell me to dispute it again without a resolve. I have uploaded the " Paid in Full '' letters 4 times. I called the Credit Union and they said that they fixed it on their end. The accounts do not appear on XXXX  nor XXXX  so Experian is the only company that is not doing their due diligence. According to the Fair Credit Act of 1971 they had 30 days change the information. One of the accounts is still showing a balance of {$610.00}. They have the information but they have left me on hold for three and half hours at one time and another time for an hour and half, before I hung up.

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 2021-01-22 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: FL

Complaint narrative:
The correct balamce for this account is {$13000.00} XXXX XXXX XXXX XXXX rarely updates my cresit report UNLESS it is for something negative. All 3 of my cresit rwports need to reflect the correct balance. If this continues, i will make a complaint each month, also I am current only 5 days late on my loan.

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 2021-01-22 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: FL

Complaint narrative:
The correct balamce for this account is {$13000.00} XXXX XXXX XXXX XXXX rarely updates my cresit report UNLESS it is for something negative. All 3 of my cresit rwports need to reflect the correct balance. If this continues, i will make a complaint each month, also I am current only 5 days late on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: FL

Complaint narrative:
The correct balamce for this account is {$13000.00} XXXX XXXX XXXX XXXX rarely updates my cresit report UNLESS it is for something negative. All 3 of my cresit rwports need to reflect the correct balance. If this continues, i will make a complaint each month, also I am current only 5 days late on my loan.

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 2021-01-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX  XXXX XXXX closed my account and placed a fraud alert on it however no frau was committed and there was no money received fr the account to have been flagged for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I checked my credit and noticed that I had a collection mark on my credit from Focus Receivables Management on behalf of XXXX  XXXX  for the amount of {$38.00}. I was unaware of this debt since when I closed my account with XXXX  XXXX  I returned all the equipment and paid off the account in full. I called about the debt since I should have not owed anything and in addition, I never received notification of any type of remaining debt from XXXX  XXXX  or Focus Management prior to maliciously applying it to my credit. When I talked to the representative from Focus Receivables Management she said I could pay the amount and dispute the balance. This is a false statement as it will still leave a negative mark on my credit. My credit is very valuable and should not be used as a collection tactic to an amount that I am unaware of and also the original creditor made no attempt to contact me. How can I owe a debt if everything was paid and returned? How can some destroy my credit which hurts me personally and professionally with no contact, no prior communication, or anything?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021, I googled how to get my LLC through the IRS for a company I created. A site popped up saying it was the irs with very similar credentials. I knew obtaining a LLC cost so the {$240.00} I paid I assumed was for my LLC. Instead, it was for an EIN that I know the IRS does for free and does not charge. Immediately after I receive the email I contacted Chase on XX/XX/2021 about the charges from this fraudulent company that came off as the IRS. I explained that I was trying to obtain my LLC and during the application process that is what I checked. They sent an email saying they requested an EIN from the IRS when I didnt need an EIN, I wanted to obtain my LLC for the business. Obtaining an EIN is free and IRS said be aware of companies pretending to the them. Chase immediately temporarily reversed the funds and then on XX/XX/2021 I noticed the charge was reversed again charging me for this service and pending in my account putting me in the negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Transunion provided at least 5 however it could be more credit reports to different lenders when I was trying to receive financing for an automobile. Unfortunately, other than one item reported may be considered accurate for their purposes, otherwise I don't see any of the other information they reported on my actual credit reports that were considered key factors in me being denied for financing. XXXX  provided much of the same information. 

I'm going to be sending screenshots and photos of the denial letters to prove my point. 

Some are taken directly off of creditkarma.com and it's impossible to deny the inaccuracy of said credit reports. I will number the key factors and explain in my own words why they are not accurate. 

1. Serious delinquency. I'm not delinquent or behind on a single payment or account, exactly what are you referring to? 

2. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. It's a catch-22 situation that even XXXX has on their own website and of course banks. They want you to use their credit cards and offer you additional cards, yet they don't want you to carry a high balance. It's manipulation at it's finest only to be punished by the reporting banks and credit reporting agencies. 

3. Time since delinquency is too recent or unknown. Again, what delinquency? Look at my credit report, I don't have a single account that is delinquent. 

4. Number of accounts with delinquency. This is getting redundant, yet again, what delinquency? And you should not be able to use the same reason or a version of it 3 times on the same report. 

5. Inquires did impact the credit score but no derogatory information was found. That statement alone is asinine. It impacted my ability to receive financing which means it impacted my credit, maybe not my score, even though there was no derogatory information so in reality it shouldn't affect it at all. To many hard hits, it without question affects your credit. Your utilizing an oxymoron to describe the situation. 

6. Too Few Accounts Currently Paid As Agreed. What accounts? Every account is up to date or paid on time. 

7. Level of Delinquency on Accounts. What accounts? 

8. Lack of sufficient relevant real estate account information? Financing was for an automobile, real estate is not relevant 9. The date that you opened your oldest account is too recent. My oldest account is over a year old if not 2. 

10. Number of inquiries my have also adversely impacted the score. See number 5.

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 2021-01-22 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: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX herein known as " Consumer '' MIDLAND CREDIT MANAGEMENT herein known as " third party junk debt buyer '' On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat 24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. 

STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. 

A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. XXXX v. United States XXXX XXXX. XXXX, 208 U.S. 404, 411 ( 1908 ) ; XXXX v. XXXX XXXX. & XXXX XXXX, XXXX Cal . App. 3d 1092, 1098, 223 Cal. XXXX. 298, 301 XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX41, 344, 318 A.2d 659, XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I have made a few payments that should have qualified for XXXX but they are saying there is no bill. One is being " reviewed '' but has been for the past 1.5 years. This payment was made XX/XX/XXXX in the amount of {$1900.00}. Another payment in the amount {$1100.00} made XX/XX/XXXX is marked as ineligible. I have attempted to get this resolved several times since filing the request to have them reviewed and each time I am met with the response that it is under review with no ability to delineate a time line. I should qualify for forgiveness in a little over a year and would like to get this handled especially with the looming Department of Education deadline of transfer of loans to another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: OK

Complaint narrative:
XXXX XXXX XXXX herein known as " Consumer '' XXXX XXXX XXXX herein known as " third party junk debt buyer '' On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat 24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. 

STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. 

A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal XXXX App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ).

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 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I filed a complaint on XX/XX/2021 ID:XXXX-XXXX  and it got closed but so far it did not got resolved they haven't refunded my money from the wire transfer so can you reopen this ticket until it gets resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: IA

Complaint narrative:
XXXX provided at least 5 however it could be more credit reports to different lenders when I was trying to receive financing for an automobile. Unfortunately, other than one item reported may be considered accurate for their purposes, otherwise I don't see any of the other information they reported on my actual credit reports that were considered key factors in me being denied for financing. Equifax provided much of the same information.

I'm going to be sending screenshots and photos of the denial letters to prove my point.

Some are taken directly off of XXXX and it's impossible to deny the inaccuracy of said credit reports. I will number the key factors and explain in my own words why they are not accurate.

1. Serious delinquency. I'm not delinquent or behind on a single payment or account, exactly what are you referring to?

2. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. It's a catch-22 situation that even XXXX  has on their own website and of course banks. They want you to use their credit cards and offer you additional cards, yet they don't want you to carry a high balance. It's manipulation at it's finest only to be punished by the reporting banks and credit reporting agencies.

3. Time since delinquency is too recent or unknown. Again, what delinquency? Look at my credit report, I don't have a single account that is delinquent.

4. Number of accounts with delinquency. This is getting redundant, yet again, what delinquency? And you should not be able to use the same reason or a version of it 3 times on the same report.

5. Inquires did impact the credit score but no derogatory information was found. That statement alone is asinine. It impacted my ability to receive financing which means it impacted my credit, maybe not my score, even though there was no derogatory information so in reality it shouldn't affect it at all. To many hard hits, it without question affects your credit. Your utilizing an oxymoron to describe the situation. 6. Too Few Accounts Currently Paid As Agreed. What accounts? Every account is up to date or paid on time.
7. Level of Delinquency on Accounts. What accounts?

8. Lack of sufficient relevant real estate account information? Financing was for an automobile, real estate is not relevant 9. The date that you opened your oldest account is too recent. My oldest account is over a year old if not 2.

10. Number of inquiries my have also adversely impacted the score. See number 5.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: OH

Complaint narrative:
I sent off two two notarized dispute letters on 12/22/20 and 01/22/20. I have not received any update or results from this credit bureau and this investigation has taken over 30 days to resolve. Under the FCRA, if a credit bureau is unable to verify any information on a credit bureau within 30 days of receiving a dispute letter, they must delete the inaccurate information from a consumer 's credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Arvest Mortgage Company to make them aware that they have not paid the taxes on my property {$4000.00} which was due by XX/XX/XXXX. I was told that they would resolve this issue immediately and ensure that the taxes were paid. On XX/XX/XXXX I received a call from the company stating that the taxes were paid and was not due until XX/XX/XXXX. On XX/XX/XXXX I made contact with the county tax office and was informed that the taxes have not been paid by Arvest and I am still delinquent on paying taxes to my property. I made contact with Arvest again on XX/XX/XXXX and the staff member Informed me that the taxes were not paid and she could not provide me with an update on when and how this issue can be resolved. At this time, the Mortgage company Arvest have failed to pay taxes on my property and resolve the issue timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: PA

Complaint narrative:
I paid this account nearly two years ago, and when I did I was told by Enhanced Recovery Company 's agent it would be deleted from my credit reports in 2 months. This account is continuing to report on my credit despite the false promise that they would delete the accounts after resolution.

Company response to consumer: Closed with non-monetary relief