vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of 15 usc 1692b. Pursuant to 15 usc1611 Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to 15 usc 1640, and they are liable for each fdcpa violation pursuant to 15 usc 1692k. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive reached out this company in regards to pay off a loan borrowed from them and settled on the amount {$250.00}, from amount owed which is XXXX. I wrote them a check for {$250.00}, and its notated on the check negotiation of tender settles debt AND removal. Theyve accepted the check early XXXX. Months later, I examine my credit report to see NO updates to the entity on my credit report, even after payment and its been at least 3 months. Their in violation of FCRA laws and refusing to update in a timely manner as well as refusing to remove entity. My argument is the time it took to see any results wasnt reflected in the time given which is 30-45 days. Theyve had 2 extra months to supply an answer and have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MS

Complaint narrative:
Doven Muehle who is the servicer for XXXX XXXX XXXX XXXX has calculated our payment based on an error that their company made in computing our yearly escrow. XXXX XXXX along with us on the phone tried to get the issue resolved but the servicer would not run another analysis because they said that they donot see a problem. The supervisor that we talked with at Doven Muehle told us that the amount that was placed in reserve for the year is {$900.00} and usually it has been approximately {$460.00} each year. This year we did change insurance companies and saved over {$800.00} dollars by doing so. So we are dont understand why our payment has increased. Our taxes and insurance as gone down each year. We feel that this servicer is operating fraudulently with these mortgage loans because we were told that other XXXX members are having similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied to Citibank for an XXXX XXXX credit card. I was denied because " we couldn't verify come of the information on your application. '' I called and explained I had an XXXX XXXXredit score and excellent income. The supervisor said I had to call XXXX to see what was wrong with my credit. I called XXXX who information me Citibank had only inquired using my first and last name. Since my sister has almost the exact same first and last name, and her social security number is only one digit different than mine, they could not differentiate the account. They asked me to call Citibank and request the process their inquiry using my first, middle and last name. I called Citibank and they said there was nothing they would do. They had logged my complaint but would not recheck my account using my full name. This is very unfair. They made the mistake and I have no way to appeal. There should be a way to appeal and have them check my credit correctly. It is not my fault my sister has a similar name and social security number. 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 2021-06-02 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: CITIBANK, N.A.
State: CT

Complaint narrative:
These accounts don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

Identity Theft 1. XXXX XXXX  Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft BEST BUY/CBNA Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX Account Number : XXXX**** This is not mine.

5. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

7. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX  Date of inquiry :XX/XX/2019 This is not mine.

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This 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 2021-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

6. Identity Theft BK OF AMER Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This 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 2021-06-02 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: FL

Complaint narrative:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX  XXXX  and XXXX XXXX ) Creditors : XXXX XXXX ( twice ), XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX. I also have a collection account XXXX XXXX XXXX  XXXX account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX  and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 

This not a credit reporting agency. I am writing because I am a victim of identity theft. XXXX, XXXX  and Transunion continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company.

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 2021-06-02 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: FL

Complaint narrative:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX and XXXX XXXX  ) Creditors : XXXX XXXX ( twice ), XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX. I also have a collection account XXXX XXXX XXXX  XXXX account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 

This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX  and XXXX  continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nickel City Group LLC
State: MO

Complaint narrative:
XXXX XXXX contacted my MOTHER and told her hes a legal advocate on my behalf, which gave her unnecessary personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XX/XX/2021 I spoke with XXXX XXXX representative about co-signer release. The representative verified that the loan meets the required payments ( 48 on time payments ). However, because they are being sold to XXXX, which is really NELNET, a big education loan holder, they will not take the application until the change takes place. 
The earliest I could apply for this is XX/XX/XXXX. The representative indicated that it would be just a matter of filling out the application. 

XX/XX/2021 I contacted XXXX the first week that I could inquire about the co-signer release form. Due to being backlogged from transitioning from XXXX XXXX, the XXXX representative stated that I would not hear back from them regarding my request for a co-signer release application until at least XXXX. 

XX/XX/2021 I received a letter from XXXX stating that I did not meet the requirements for the co-signer release application due to delinquent payments from almost a decade ago. This completely contradicts what I was told by the original lender, XXXX XXXX, and, due to a backlog, my request was backlogged and now void under the new rules of the new loan holder, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/2021 chime credit card bank report balance to XXXX  that is not true. There has not been a balance on my account since XXXX this is false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: CA

Complaint narrative:
I disputed a account on trans union which is over the 7 year period. Trans union refuses to remove this as required by law. Trans union is in violation of the law. The account was closed XX/XX/2013 was last payment made which is now almost 8 years ago which violates the 7 year 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 2021-06-02 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: CA

Complaint narrative:
I applied for a home mortgage today at 2 banks ( XXXX XXXX  and XXXX XXXX ) and was denied. I found out from XXXX XXXX XXXX  that the reason was my low credit score XXXX, which they obtained from TransUnion. Prior to applying for the mortgage loan, on the same day, I checked my credit scores from 3 credit reporting agencies ( TransUnion, XXXX, and XXXX  ). From TransUnion, my credit score was XXXX. 

I called TransUnion and asked about the the discrepancy and was told that the problem is likely the third party company, XXXX XXXX XXXX ( XXXX XXXX XXXX, that reported my credit score to the bank. So I called XXXX  XXXX and after a very extensive hold, I was told by a customer service agent that the the score came from XXXX  XXXX XXXX XXXX XXXX, and there was nothing for them to fix. I then contacted XXXX XXXX about the discrepancy and was told that there was nothing that they can do and I needed to resolve the credit score discrepancy for any reconsideration of a mortgage loan and will need to submit another application. 

Attached are my credit score from TransUnion website, which I had to pay $ XXXX/month subscription to obtain the credit score, indicating XXXX score and a letter from XXXX XXXX XXXX which I was able to electronically obtain, showing XXXX score and TransUnion as the source of the info. The letter also states XXXX XXXX as another credit info source.

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 2021-06-02 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I have a mortgage with Mr Copper. During the start of the pandemic, I applied to get a hold on my mortgage. 3 months ago, I was placed a trial of payments, which I payed with no problem. I was expecting to resume my payment with, of course an increase. I insisted to pay. One rep told to " hold on my money and if I pay XXXX as it was written on the statement online it will be for XXXX XXXX ''. At my surprise today, I checked online, I found out it is a loan modification. I called and spoke to 3 reps whom won't cancel the loan modification because I signed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This is a business  account that was opened in XXXX, closed in XXXX, then erroneously began reporting on my credit as of XXXX even though I am not the business owner for this account nor have any responsibility. Ive requested it be removed from my credit report numerous times to XXXX  and American Express. Neither has provided any justification why this account is being reported on my credit report, however they have not removed the account either. Please have XXXX and American Express to appropriately remove this account from my credit report immediately as this is currently in violation of my rights per Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation