vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 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: CO

Complaint narrative:
I have tried 4 times to get the credit bureaus to remove accounts that are in violation of my rights and I have yet to get 1 reply from any of the 3 Bureaus and the accounts remain on my credit report. The accounts are collections and they either are reporting the account as an " open account '' have listed a past due amount as well as they are reporting me late 120 days. These are all FCRA violations to be doing any of these things on a collection account and they refuse to remove them or even reply to my disputes.

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 2020-10-08 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: AE

Complaint narrative:
I am currently XXXX to XXXX XXXX and was in need of cash. I contacted Navy Fed to have money sent to me via XXXX XXXX, which is one of the services advertised as available to me as a Navy Fed member. Because it was sent from an institution rather than an individual, the local XXXX XXXX locations ( I tried 4 different ones ) were unable to process it. I contacted Navy Fed and was told " oh, we've had a problem with this. '' After spending 4 days going back and forth between Navy Fed and XXXX XXXX, still unable to access my money, I asked that the money be returned to my Navy Fed account. I was then informed that it would take 3 months to get back. If I had been warned that Navy Fed had previously experienced a problem with XXXX XXXX and that if I experienced the problem it would be 3 months before I got my money back, I would never have gone through with the transaction. I have spoken to several Navy Fed agents and escalation agents who have all taken the position that " it's not our fault, it's XXXX XXXX 's fault, so we can't help you. '' I don't bank with XXXX XXXX, I bank with Navy Fed and expect Navy Fed to stand by whatever third-party companies they do business with. When there is a problem, I expect that Navy Fed, who I bank with, will work to resolve that problem. Making me wait 3 months, while XXXX, to receive my money back is not resolving that problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have been a customer with Santander since XX/XX/2018. At which time I was not advised of the upside loan agreement and after several months I become disabled and I notified the company multiple times advising of my separation from work, consistent hospital admissions and XXXX. I offered to setup payment arrangements and I continued to have my late payments reported to the credit bureaus and was threatened to have my vehicle repossessed. I'm unable to refinance due to the high interest rate and the balance, although I made payments I was told those payments were applied to the interest and the principle balance. When I was by Covid19 I notified Santander and was advised assistance would be provided and that agreement never took place again attacking and damaging my credit score. I was notified in regards to the lawsuit against Santander and contacted Santander and I was advised that information was in accurate. The Truth and Lending Act clearly shows Santander manipulate low income families and refuse to accept responsibility. I'm in desperate need of help at this time with resolving this issue. I have contacted my Attorney General and as of now they were unable to assist. I was advised to review the website https : XXXX? XXXX In regards to updated information, and at this time I'm unable to make payments which continues to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do have an Extended Fraud Alert and my phone number is listed there twice. XXXX XXXX decided to damage my credit by placing a hard inquire that I never authorized. They claim it was as easy as someone called with my information and applied for credit. I do have an excellent credit score, but the criminal who called with my information did not get approved. That means XXXX XXXX already knew he is a fraudster. 
I called XXXX XXXX and spoke to several people for about an hour to verify my identity. Even after giving them personal information that they already have they demanded more information which is something they established they are not worthy of keeping.

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 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: MD

Complaint narrative:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I've disputed this account multiple times with both the credit bureaus and Transworld Systems Inc, and I have never received anything in the mail in reference to this account. I can't verify, or dispute this debt. That is a violation of the FDCPA. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CORELOGIC INC
State: TX

Complaint narrative:
XXXXXXXX XXXX Account  XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX The information you disputed has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated all filed to the ftc wrong address and names need help removing fraud alert from all 3 companies

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 2020-10-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I finish paying the interest part of the loan now I am asked to pay the deferred payment .My loan mature in XXXX I owe {$7500.00} .l asked them to let me pay it off in monthly payments but they will not and they will not refinance the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. After getting out of the hospital and seeing all these fraudulent accounts on my credit increased my stress level along with the current epidemic Covid 19 Coronavirus going on, its vital that this issue is resolved immediately.

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 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I set up a payment plan with Capital One, and went online yesterday XX/XX/XXXX to pay an agreed upon amount. I noticed I was charged a late fee. I chatted with an agent who told me that while a payment plan is in place fees can still be charged. 

I paid the amount agreed today and tried to get them to agree to not charge fees for the two month period it will take me to bring the account current. The agent would not agree and the agent then said that they couldn't agree to the payment plan, which certainly means they will charge me more late fees. 

I am unemployed, a single mom, and waited 8 weeks for my unemployment back payments to come through. I am trying to catch up as best I can but I will never get out of debt if I am continuing to have to pay late fees and extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ON XX/XX/2020 AT XXXX EXPERIAN RECEIVED MY DISPUTE PACKET AND AFFIDAVIT FROM THE FEDERAL TRADE COMMISSION XXXX I NEVER RECEIVED A RESPONSE FROM EXPERIAN. ON XX/XX/2020 I CALLED AND FILLED A DISPUTE OVER THE PHONE. TO DISPUTE 2 BANKRUPTCIES, ADDRESSES, AND ACCOUNTS. ON XX/XX/2020 I UPLOADED MY DRIVER LICENSES, FTC COMPLAINT, FTC AFFIDAVIT, AND POLICE REPORT TO EXPERIAN.COM/UPLOAD. ON XX/XX/2020 I RECEIVED AN UPDATE FROM EXPERIAN THAT MY DISPUTE HAS BEEN COMPLETED. UPON CHECKING THE RESULTS THE 2 BANKRUPTCIES REMAINED ANS 2 INACCURATE ADDRESSES REMAINED. I THEN CALLED XXXX XXXX XXXX @ XXXX ) I SPOKE WITH XXXX IN THE XXXX DISPUTE DEPARTMENT. XXXX SAID THE CREDITORS CONFIRMED MY IDENTITY, WHICH I DON'T UNDERSTAND BECAUSE ITS NOT MY ACCOUNTS IM A VICTIM OF IDENTITY THEFT. XXXX REENTERED A DISPUTE FOR THE 2 BANKRUPTCIES. I NEED ASSISTANCE WITH GETTING THESE INACCURATE ACCOUNTS BEING ILLEGALLY ON MY CREDIT REPORT. THIS IS AFFECT ME FROM OBTAIN EMPLOYMENT AND PROVIDING SHELTER FOR MY FAMILY.

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 2020-10-08 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2020-10-08 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Credit Management has violated one or more of the prohibitions set forth in 1692 of the Fair Debt Collection Practices Act. I believe they knowingly incorrectly addressed the initial notice of collection. The address listed on the notice does not include my full apartment number, XXXX, the apartment number is listed as XXXX. The apartment number in my building range from XXXX to XXXX. 
The notice was dated for XX/XX/XXXX and I did not receive this notice until the evening of XX/XX/XXXX because it was incorrectly delivered to a neighbor who inadvertently opened and read it. 
I have had several phone calls with Credit Management where I have advised them that I did not receive the notice as required by 1692 of  the Fair Debt Collection Practices Act. I have had them verify my address and they had my full apartment number. My address is also listed correctly on their website. The only response that I received when I advised them that I had not received the notice was, the notice was already sent or we sent it. 
I believe that they intentionally used an incomplete address with the hopes/intentions of not allowing me the ability to request that they validate the debt in question. 1692 of the Fair Debt Collection Practices Act allows me the ability to dispute the validity of the collections account within 30 days of receipt of their collections notice. This collection was reported on my credit bureau reports as of XX/XX/XXXX, days prior to one of my neighbors clipping the incorrectly address notice to the outside of my door. 
Since the notice had an incomplete apartment number listed, the notice communicated to a third party, sensitive and private financial information, also a violation of 1692 of the Fair Debt Collection Practices Act. 
This collection account dates back to XXXX for an account with XXXX XXXX XXXX  that has now been taken over by XXXX. My credit bureau report states the creditor is XXXX XXXX. As I have a current account with XXXX, this does not paint a clear and accurate picture of the original creditor. 
I have been in contact with XXXX. I have spent hours on phone calls and chat sessions attempting to find out any information on this collection and none of the agents I spoke to were able to tell me anything about the account or the reason I was being contacted by Credit Management.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
On XXXX of 2020, Portfolio Recovery Associates added a derogatory mark on my credit report per XXXX XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Portfolio Recovery Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: OK

Complaint narrative:
I submitted a request to freeze my consumer file with Sagestream twice and both times i received a letter back stating the information submitted was not verifiable. My state issued drivers license and federal government cac card are on the list of proper identification to send which is what i did.

Company response to consumer: Closed with explanation