vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
In XXXX of XXXX, my daughter and I applied for a VA Loan to purchase the house we are now in with NFCU, we recently applied to convert to a VA loan, same type of interference. 
Both of us are totally XXXX XXXX veterans, our credit and income were excellent. 
My daughter was told that before we could apply, one of us would need to sell our house before we could do that. 
In order to get the house locked down, she had to take a cash quick buy which cost her around {$55000.00} from what it sold for just a couple weeks later. 
Then after that was done and irreversible, they told her we werent qualified for a VA loan since we were father and daughter and not husband and wife. 
That forced us into a conventional loan and financial hardship on my daughter and stress on both of us. 
Now they seem to be looking for any excuse they can use to call a denial of our complaint and loses as a resolution. 
They keep requesting to rerun credit which they know will damage the rating. 
NFCU employees have persistently refused to fix the problem, and appear to violate many of our rights as XXXX veterans. 
Our pain and suffering are real to us, although those who deny us our EARNED BENEFITS, dont seem to care. 
All NFCU has done since my daughter filed her first complaint, they have shown a pattern of manipulation, which appears to be harassment toward my daughter whos been a member for XXXX years. 
They have made no effort to reach a resolution, however, theyve made every effort to deny our VA Loan, no appraisal even at this point.

Also, Im wondering why the resolution department at NFCU is involved in the loan process, gives me the appearance of XXXX syndrome. 
They have denied two XXXX  totally XXXX veterans, whose family gave up their peace and health so those who hurt us could live free and safe, their rightful benefits. 
We are tired of being stepped on and abused by those in NFCU who dont seem to follow proper policy or laws in assisting us, they need to be stepped on hard so this is never a problem in the future, and makes me wonder how many have been denied falsely by these people who think they are so intelligent they dont need to understand and follow policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
There been some fraudulent transactions on my Wells Fargo for some XXXX transactions and Wells Fargo is basically saying I did it. They are being really XXXX and not following fdic regulations. The person I was talking to was basically saying I did it and she was no help at all. There process is completely XXXX they said because it was my name that they cant reverse it. And this is a huge sum the lady on the phone made me feel like she didnt even want to be on the phone with me and it felt like a chore to her! Unbelievable. And I still havent been credited and this is a huge sum.

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 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Opportunity Financial, LLC
State: DE

Complaint narrative:
on XX/XX/2024 I notice a account from opp loan on my credit report I never apply for no person loan also there where an account from XXXX that was not my account please remove and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I recently discovered that Bank of America had opened a {$25000.00} line of credit for me that I did not authorize or consent to. I have never been a Bank of America customer, nor requested a loan. I do not know when this account was started. 

I have not performed any actions yet nor contacted Bank of America.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX I was notified that there was a hard inquiry from XXXX XXXX on my report. 
I called XXXX  XXXX but they said they could not see this inquiry because there was ANOTHER account under my social, with a different name, that had been sold to collections.

I called transunion and they said they could not help me unless I had an inquiry delete letter from XXXX  XXXX. 

I called XXXX  XXXX back and they told me the same thing again. They could not help me and this is the credit bureau 's job, they don't have time to do this. 

In the meantime, I looked up the application on XXXX XXXX XXXX  website and did see that the application is in process. I got an application number.

I called transunion again and they recommended I file an identity theft report and get a letter from them to send to XXXX  XXXX. 

I am not understand why I was able to pull the application for the new account right from their website but they could not see anything and refused to help. 

I am worried someone I know is using my information and I would like to know how to get more info on this credit inquiry or at least, what state it was done from.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
XXXX Called Synchrony Bank and spoke with XXXX and provided routing number and account number to get my balance paid ( {$9600.00} ) since it didn't work when I tried to pay off the balance on the website. Received a confirmation number of the transaction. 

XXXX Called Synchrony Bank and spoke with XXXX to follow up on the payment since it didn't go through again. 
Called my credit union to validate the account number and routing number to get the balance paid off at Synchrony Bank. They stated that the account number was submitted incorrectly when trying to make the payment and that's why it didn't go through. Created a checking account for me to use bill pay to make the payment. 

XXXX Received XXXX separate letters from Synchrony Bank stating that " You made dishonored payments on other accounts with Synchrony Bank '' and closed all XXXX accounts. They were with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX XXXX XXXX  EST, I attempted to deposit cash into an ATM outside a US Bank Branch . The machine accepted several bills, returned a few, then returned more, then flagged an error and printed out a receipt indicating and I quote, " A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. CONTACT YOUR FINANCIAL INSTITUTION AT THE NUMBER ON THE BACK OF YOUR CARD. KEEP THIS RECEIPT.

FOR U.S. BANK CUSTOMERS, PLEASE CONTACT XXXXUSBANKS OR XXXX " I then went into the bank, and brought the error up which they then claimed I would need to contact the number to have the machine serviced, balanced, and any cash remaining be credited to my account. I was then able to deposit a majority of the cash with the teller that was returned via the ATM. 

Upon calling the number, they continued to assert I'd need an exact number but I was unable at the time to provide an exact amount that was not returned as I wasn't aware how much the machine accepted versus rejected versus I was able to deposit.

Requesting a supervisor, I was able to escalate the problem which the manager then decided to assert that because I wasn't sure of the exact amount the machine kept, I was essentially forfeiting that money and that I SHOULD KNOW how much money the machine kept?

I guess in my mind, if the machine had an issue, it should never have accepted cash to begin with and yet the supervisor/manager refused to acknowledge the machine issue and essentially told me I'm on my own?

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plant as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
I took out a payday loan from XXXX XXXX in XXXX for {$1600.00}. I wound up using a payday loan debt consolidation program beginning in XXXX and paid off XXXX other payday loans and some of my balance to XXXX XXXX, but not the whole amount. Fast forward XXXX years later, and a judgment was entered against me by XXXX XXXX, who was represented by Dobberstein Law Firm , LLC in XXXX, XXXX. The original judgment amount was for {$2500.00} plus legal fees. The document that Dobberstein Law Firm had sent me indicated the balance was {$2800.00}, however now the judgment on the Wisconsin circuit court site shows a judgment of {$2900.00}. I began making monthly payments in XXXX, XXXX, in the amount of {$120.00}, with the exception of XXXX, XXXX due to having to take time off work for my daughter 's XXXX and I did not have any paid time off available through my employer. I notified Dobberstein Law Office of this, they accepted it, and my payments resumed in XXXX, XXXX. To-date, I have paid {$620.00}. When I called Dobberstein Law Office to update my debit card information, I was advised that my balance is still over {$2400.00}. When I calculate the original debt, less my payments, even using the {$2900.00} amount listed on the circuit court website, I calculate my balance to be {$2300.00}. If we're going off what the balance listed on my account from the information I received from Dobberstein Law Firm, my balance would be {$2100.00}. I don't see anything listed on the court order indicating interest applied, simply the following statements : " Failure to comply with this order may be contempt of court and subject you to the following penalties : Imprisonment for up to XXXX  months Forfeiture of not more than {$2000.00} per day Any other order necessary to ensure your compliance Punitive ( criminal ) sanctions under Wis. Stats. Ch 785. '' I'm concerned about these discrepancies in the original balance reported by Dobberstein Law Firm, compared to the judgment entered on the Wisconsin Circuit Court website, as well as the remaining balance I was advised of, which is still higher than what the balance should be less the payments I have already made. I have not received any receipts for my payments, just a verbal notice over the phone of my remaining balance, however since it is a debt collector, they did indicate that the call was recorded at the beginning of our conversation, so there should be a call recording through the law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX XXXX XXXX, I looked

at my credit report and noticed that there were quite a few discrepancies. I reached out to the bureaus but they have not assisted in removing these unauthorized accounts on my report. Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate for I am disputing the accuracy of these accounts for the
following reasons : XXXX XXXX XXXX XXXX XXXX  Is a total loss vehicle that was supposed to be removed from my credit report a while back. 
XXXX XXXX XXXX XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX  I believe this collection is reporting inaccurately. - Please remove it XXXX XXXX XXXX XXXX XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX  I believe this collection is reporting inaccurately. 
XXXX XXXX XXXX XXXX XXXX XXXX This is completely inaccurate and inaccurate reporting on my report. 
XXXX XXXX XXXX XXXX have not been given a chance to dispute according to12 CFR 1006.34 ( c ) ( 4 ) ( i ) - The collection agency isalso violating my consumer rights by using false misleading, harassing, and deceptive means. 

Under 15 USC 1681-s2 ( 7 ) ( A ) - the collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law which they are in clear violation. I request that you investigate this dispute and take the following action : I Request the account be removed from myreport for this is inaccurate information.

I urge you to handle this matter with diligence and accuracy.

Please see the attachments below

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

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 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am writing to formally dispute and request the removal of a collection account that has been fraudulently opened in my name. Upon reviewing my credit report, I discovered this account, which I did not authorize or open. It appears that I have been a victim of identity theft, as I have no knowledge of the debt associated with this collection account. I have taken immediate steps to protect my identity, including placing a fraud alert on my credit file. I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent collection account from my credit report as soon as possible. I am willing to provide any additional documentation or information necessary to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to you as my social security number was compromised. I had a data breach that resulted in fraudulent accounts reported to me. I am requesting that all erroneous names, addresses and employers be deleted from my 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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX I made an electronic payment on their website for a {$700.00} payment. On XX/XX/XXXXI received an email receipt of the {$700.00} payment to the account. They said they did not receive payment. I disputed it and I sent them a copy of my bank statement showing where the money had been deducted from my account and a letter from the bank with all the transmission numbers. PayPal Mastercard said they did not receive any information and they showed it not paid. I filed another dispute and once again I resent all information, along with my bank statement, signed receipt, to there requested location in XXXX. Got a letter back saying no payment receive ; I have continued to dispute this since that date and was told today they could not register my dispute since it had been decided, even after receiving the paperwork, they did not get the payment. The money came out of my account, I got a receipt from PayPal Mastercard, and the bank provided all the transmission numbers. Today they say I still owe them {$700.00}.

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