vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I applied for a mortgage refinance loan with Navy Federal Credit Union. Navy Federal ultimately denied my application. However, the reason ( s ) for the denial were never consistent, and Navy Federal alluded to items that were in fact not on my credit report. For example, in a letter they sent to me, Navy Federal referenced a collection account on my credit report, when there was no such item. Additionally, I was told verbally by one of their representatives ( XXXX XXXX ) that my credit score was too low for approval, but the denial based on my score was not referenced as a reason for denying my application. Navy Federal has never given me concrete reasons for my loan denial, and the reasons constantly shifted. I believe that Navy Federals denial of my application was arbitrary, careless, and possibly discriminatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: IL

Complaint narrative:
On XX/XX/2021, three days after my direct deposit, charges appeared on my debit card statement from XXXX at the following times and amounts : XXXX for {XXXX, XXXX for {XXXX, and XXXX for {XXXX} totaling {XXXX 
Direct Express refuses to return the monies alleging that the purchases were authorized. The XXXX company supports me stating that I did not make the purchases and that they returned the monies to the bank to correct the error. I contacted the bank with this information, showed the bank " People/Robots '' that these purchases were not made by me on this account and included the information of the return by XXXX for the items. Regardless of the hard evidence that was timely submitted, twice, that shows the cardholder ( Me ) did not make purchases, the Direct Express " People/Robots '' insisted that the purchases were authorized and refuses to return the funds that were returned by XXXX to me. 
Okay, why won't Direct Express return/release my money? 
SINCE THE FUNDS WERE RETURNED BY XXXX TO MY ACCOUNT, WHY DO I NOT HAVE THE MONEY?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Siggi LLC
State: NC

Complaint narrative:
Omni Financial : XX/XX/XXXX ( {$0.00} ) Omni Financial : XX/XX/XXXX ( {$0.00} ) XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX ( {$21000.00} ) Local Government EMP : XX/XX/XXXX ( {$8300.00} ) I have sent letters to all bureaus about removing fraudulent and closed accounts and hard inquiries affecting my credit score. I also disputed multiple of wrong address and phone numbers as well. I need these accounts removed to improve my financial situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
On XX/XX/XXXX they follow me all the way to my job and stand outside my work place follow me everywhere tapping my phone my XXXX and follow me everywhere that I go they break into my RV ace stole my car and then return it the only thing they need to do is come and shoot me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: The Bureaus, Inc.
State: OH

Complaint narrative:
For the one collection This account is not me, I never received notification of the debt, the original creditor never responded and I have moved from address they claim they sent collection to or original creditor sent bill notice to, Please remove this collection from my report as it is both predatory and inaccurate in the times of the coronavirus pandemic Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
On XX/XX/2022 I informed XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX Consumer Dispute Center that The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX This is not mine.. The companies failed to comply. That account ( XXXX XXXX is not mine at all and I need this account to be removed 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 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: IL

Complaint narrative:
Grant and Weber continually adds to the balance of this account each and every month. The original balance was {$390.00} and now is over {$520.00} on my XXXX, XXXX and XXXX credit reports. 

Per 15 U.S. Code 1692e ( 2 ), Grant and Weber can not claim an amount more than actually owed ( allegedly due to interest, late charges or other fees, that are not authorized ).

This is a medical bill and no contract was ever signed to charge any additional amounts. I do not have any signed or verbal contract either with the doctor or Grant and Weber. They are clearly breaking the 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 2022-03-14 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: TX

Complaint narrative:
I submitted a dispute to XXXX, Equifax and XXXX regarding a late payment on my XXXX XXXX Account. The dispute was submitted on XXXX XXXX and continues to come back verified. Each creditor is in violation of the FRCA,. At this time the item continues to report the account as 30 days late in the year of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
For the cards To whom it may concern at the consumer financial protection bureau. This account during the pandemic was hacked and fraudulently charged when my passwords were stolen. This way relayed to the company who holds the credit cards and told to reverse the charges, I will not pay for fraudulent charges by an actor unbeknownst to me, so they decided to charge off the credit card. Please remove this charge off from my report as it is inaccurate and predatory given the nature of the outcome from what happened. 
XXXX account # XXXX XXXX account # XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX ) account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently discovered that the 3 credit bureaus were reporting a collection account that 1 is Identity Theft and not my account and 2 is reporting a duplicate account. I have already disputed with XXXX, Equifax and XXXX and the following has still not been deleted and or corrected by Equifax and XXXX. I have attached a copy of my TDL, POA, Credit Reports, ID Theft Report, Letters to Bureaus, Account Name : XXXX XXXX XXXX Acct No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account P & B CAPITAL GROUP LLC with a balance of {$3800.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX ) account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX ) account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-14 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Original Dispute through CFPB XXXX. 
Experian was sent 2 MOV 's on XX/XX/2022 to previous disputes that were verified as needed changes and some changes were made, but still incorrect information being reported. 
Experian has not responded to me and it has been 30 days, they were given 15 days to respond. 
Experian also responded to the disoute through CFPB with some " canned language '' and still has not provided me or CFPB with requested information that was sent to them in the MOV letter. 
This is a direct violation of FCRA 611 and is absolutely unacceptable to me and should be to the CFPB also, for them to treat consumers this way. 
Please delete the XXXX and XXXX accounts 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 2022-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I have a mortgage from USAA Federal Savings Bank, refinanced in XXXX. I have been paying the mortgage consistently, making slightly over half the mortgage payment on the XXXX and XXXX of each month. On or about XX/XX/XXXX I reviewed my account online and noticed that the XX/XX/XXXX payment for {$860.00} had not been credited to my account. I called XXXX, servicer for USAA and notified them of the problem. I provided them with the information they asked for, specifically a good faith letter from my bank. They also lost the payment from XX/XX/XXXX, although that showed up in my account after about a month. I have been in contact every week with USAA or one of its contractors. 

XXXX sent a foreclosure notice offering a meeting. We sent a letter back with more documentation showing we had paid on our account, and accepting the offer of a meeting. XXXX then withdrew the offer of a meeting, and asked for more documentation. Account statements from our bank were sent XX/XX/XXXX, and again on XX/XX/XXXX. There has been no response. On XX/XX/XXXX we discovered USAA had issued a non payment report and destroyed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: TX

Complaint narrative:
As a XXXX  settlement I sent a check to World Finance to have this debt deleted from my credit report. World Finance read the communication for release and removal. However they cashed the payment and continued to report a write off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am a XXXX XXXX, resident of XXXX, Texas. Customer of Discover with Card No end with XXXX. ( Discover Dispute # XXXX ) With great pain, I say that I have been Ponzi scammed. I learned the hard way that due to gaps in XXXX 's policies, scammers have a free run. Let me share my story with you. 

I was a newbie investor and signed up for a service that promised better returns. Initially, I had some gains and mostly losses. I continued to follow his investment alerts but started making losses. When I confronted him about the loss, he suggested that I join his private club where my principal/capital will be safe and make 2x-5x returns in a single day and I would get such an alert once a month.

After a lot of discussions and assurances, I signed up for his private club through XXXX by paying {$50000.00} ( Scammer asked me to make payment only through XXXX which I paid through my discover bank assuming it to be safe ). 

I received my sure shot 100 % signal in XXXX and invested {$75000.00} based on his alert and lost {$67000.00}. When I reached him for compensation as per the agreement, he asked me to arrange for capital again and this time I would receive a stock alert that would recoup all my losses and named it as " core signal '', which happens only once a year last time someone made +74,900 %. 

I felt all his words to be fishy and reached out to XXXX for help as he wasn't ready to refund the money that I paid. XXXX suggested to request credit card for a chargeback. I reached out to the merchant aka XXXX Based Scammer but no response either from their customer care or financial analyst. It is not only me, many others have reported this scam but discovel has choose not to do anything and this XXXX XXXX based scammers who are not even registered with SEC are looting many innocent people.

I urge your office to intervene and ask Discover to rescind the transaction as per consumer protection laws. As per suggestion from SEC, FTC, Police, I have registered a complaint with all authorities. 
Note : A police case has been filed against the scammer with XXXX Police with Case XXXX, Reported to FTC with report no. XXXX, SEC Submission Number XXXX & CFPB Complaint ID : XXXX Regards, XXXX XXXX Note : A police case has been filed against the scammer with XXXX Police with XXXX XXXX, Reported to FTC with report no. XXXX, SEC Submission Number XXXX & CFPB Complaint ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months but i just remembered i could file a report in here as i feel they are not doing their job properly and it is affecting my business and my deals as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are several account that are reporting as charged off which is not accurate they need to be investigated

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