vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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: The CBE Group, Inc.
State: HI

Complaint narrative:
CBE GROUP is reporting that I opened an account with them in XXXX and defaulted on said account in XXXX and that information is not true. I have never spoken with, been contacted by, or opened any accounts with CBE group. 

I reported this to XXXX Credit Bureau and after 48 hours they responded saying the account meets FCRA requirements. They didnt do a thorough investigation. 

CBE group has a negative reputation for this predatory form of extortion. They are destroying my credit. My XXXX score plummeted 85 points from this illegal reporting. From XXXX to XXXX. I have zero late payments on accounts and before they reported this false information, I had zero collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hi, I have sent in numerous complaints against Navy Federal. I am not satisfied with their responses to the issue at hand being left unresolved. The most recent response from the company regarding the issue is that : A. Navy Federal refuses to investigate the matter further, as being requested.

B. Navy Federal refuses to refund funds lost.

C. Navy Federal refuses to locate the security cameras as requested, and lacks to provide an explanation to why. 

D. Navy Federal refuses to reestablish account.

Navy Federal is refusing to cooperate. What is the reason why? Sounds very sketchy of the company. I will not be calling the security team because for one, I have called them and have not received the help and assistance I need. And two, they refuse to cooperate to resolve the issue on the CFPB platform. Why is that? 

I want this matter addressed to the Security Team Specialist and CC 'd to the president of Navy Federal. I will go above and beyond to make sure this matter does not get ignored. 

There is a specific person needed to locate in the security cameras at the XXXX XXXX, XXXX branch location at the time and date of when the check was placed into the ATM. That footage is to be released to the proper authorities, XXXX XXXX Police Department probation unit, or the DA involved in assisting my case. Why did Navy Federal say they will not release the footage? I need answers, which Navy Federal has failed to do. I have been very specific in details to help the security team in their investigation, which they continue to claim to have unsupported documents and not reinvestigate. This is bad business practices on their end and I will not stop complaining until it gets resolved. 

Questions for Navy Federal : Did your security team ever at least TRY to locate the footage? If not, why? If so, why not release the information?

Why is Navy Federal refusing to cooperate in resolving this matter? 

What is the explanation to why they continue to insist for me to reach out to the security team for questions that can be answered here?

I need letters in writing from Navy Federal explaining all of this so I can send it to the proper authorities as I'm trying to get this case resolved.

I do not, I repeat, DO NOT wish to open a new account with Navy Federal. Please, cooperate regarding this matter. Thank you. The company very well knows my case and have received plenty of documentation to refer back to it. We're not done here. This case is still pending a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NV

Complaint narrative:
Account on my credit report have not being verified, XXXX agents will not transfer me to a Manager or someone I can speak and look at the violations they are committing on my credit file. 
I have been disputing these accounts because they are not reporting accurately. 
USDOE /XXXX  this account does not belong to me. I have checked with the company and they have no information of this account. Most likely it was a duplicate account. 

US Department of Education XXXX This account was charged off and marked as last day of activity XX/XX/XXXX but have day of last payment XX/XX/XXXX. Makes no sense.

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 2021-10-28 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:
There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express has decreased my credit line by 30 %. 
Despite I've been customer over a decade and never missed one payment. 
I am making more money than ever. This is a very bad business practice, and I do not see the risk, in continuing to provide a higher credit limit. Where is the appreciation for customers, over the years I have paid almost XXXX in profits due to i nterest, and other charges, and this is the appreciation I get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I work as a truck driver I was doing fine before the civi-19 start, I got a XXXX XXXX XXXX on XX/XX/XXXX finance by Chrysler Capital before I was making my payment right on time sometime ahead of time, when the covi-19 started everything went down hill, In the beginning of this year I wasnt making enough money I got sick with XXXX by XX/XX/XXXX the job I was doing didnt have enough freight for me so I call Chrysler Capital and talk to them about it so I can have a little time for me to recuperate and work to make the payment they say no, so after that I went to work to get the money for the payment of the car and I was still XXXX.They said we are repoing your car.Then I said give me til Friday XX/XX/XXXX And Ill pay 2 payments.still they took my only way to work and store or to get medical treatment on XX/XX/XXXX XXXX.If it wasnt for XXXX.I wouldnt be going through this with them.I tried asking them what would it cost to get my car back.They said around XXXX.Its .The repo man said that Chrysler capital repos a lot of vehicles.I asked how do you know this he said his company does a lot of work for them.Makes you wonder if they do this to get our vehicles and resell them.So they never loose in a car deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
My name is XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have been unable to access account information for my SW Chase visa and thus contacted a representative recently and was told my account was sent to a lawyer. I have not received any written or email notification that my account or information would be sent to a lawyer nor for what purpose. I am unable to obtain any information when contacting Chase about the account, the total amount owed to attempt to work on payment options. My account now says that it is charged off. 
Ive been in contact with Chase regarding COVID 19 assistance to alert of need for assistance since early XXXX after loss of work due to COVID 19 pandemic ( closure of previous contract work, loss of contract work job offer, reduction of income as small business owner, lack of payment from pandemic unemployment due to glitches in their system ). Assistance was temporarily provided periods of assistance ( episodes of being allowed to skip payment ) and periods of payments, which greatly helped. Interest and fees were not adjusted and continued to accrue. Last known interest was 15.99 %, {$3900.00} interest and {$200.00} in fees for XXXX by XX/XX/2020. 
I requested lower payment, lower interest rate to attend to payments ; requests were denied. 
Continued to update SW Chase Visa about impact of COVID19, including no payment from unemployment due to continued problems in unemployment system ( payments not actually received until over a year later ). Chase representative relayed that I could not receive hardship assistance that would lower interest and payments due to having a high debt to income ratio. I conveyed it seemed that this is exactly the person who would benefit from lower interest and payments due to less ability to pay than someone with greater resources. The rep relayed option of doing a one time reduced payoff of lump sum {$20.00}, XXXX if I had that, I relayed I did not have that which was reason for requesting payment options to reduce interest and monthly payments. Representative also relayed I could pay full balance over time, yet payments were close to {$2000.00} per month, which were not feasible. I continued to request options for reduced payment arrangement. I requested any information over time of new options for COVID19 assistance or hardship assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello! Please I would like to report Bank Of America. I had deposited XXXX dollars into their checking account on XX/XX/2021. Before XX/XX/2021 I was able to make purchase freely now I can only make a purchase with " XXXX '' only. I should be able to make a purchase for any merchant I please with my money. I also experienced difficulty accessing my account to check my balance. Late in the night I had to enter a code to get access. I requested the automotive service to contact me and the automotive voice did not work and I was unable to access the account. Also I receive an email stating that my balance was XXXX when I only used an estimate of XXXX XXXX dollars, after using the XXXX XXXX dollars I was able to purchase more items but the purchase could only be made at XXXX. I was blocked from making purchases from XXXX, XXXX XXXX, XXXX, and XXXX. Please investigate this matter I should be able to make purchases with any merchant. PS : Its Bank Of America in General

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 2021-10-28 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: NJ

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-10-28 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: LA

Complaint narrative:
This is already my 2nd attempt to fix this issue with your company. I already informed you that my Identity got stolen I a a victim of Identity theft and I have no knowledge of whoever that could be. I am submitting my ID, FTC report and Identity theft affidavit to prove my Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NJ

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-10-28 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: NJ

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've been trying to reach out to Experian, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic.

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 2021-10-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I've been trying to reach out to Equifax, they have not given me access to my FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX  has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my FAL REPORT. I am entitled to a free weekly report due to the current pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: LA

Complaint narrative:
My original complaint to CFPB was in opposition to Transunions score of XXXX which appeared to be affected by a none update of my credit card account with XXXX XXXX paid in full to leave a credit of {$7800.00}. The site showed a balance of around XXXX.. I recently checked my FICO due to an alert from XXXX and my credit score has been dropped to XXXX without incidence or contact from Transunion or its response to CFPB since filing. I have authorized " no hard pulls '' on my credit. There remains a fraud alert on my account and the agency would have had to contact me to obtain such a hold XXXX was good and on XX/XX/XXXX I, discovered through XXXX XXXX that my credit score of XXXX on XX/XX/XXXX was decreased to XXXX without incidence! I noticed an unauthorized " hard pull '' on my credit. The credit union that I was inquiring about funds to pay staff assured me that the " inquiry '' would not affect my credit score! I was unsuccessful in downloading a free copy of my report due to site not allowing the download to compare to XXXX download. This morning it refused to provide a report. There is no accountable difference to have affect my credit score and decrease it to XXXX! I have attached the XX/XX/XXXX credit report. I have not authorized any hard pulls. There remains a fraud alert on my credit reporting accounts and the agency would need my permission to pull such a report I updated the information on my XXXX account concerning the addresses that I never resided and now I receive a bombardment of solicitation with most recent informing me that my credit score has decreased! According to XXXX : XX/XX/XXXX My credit file was updated to remove addresses ; another update on XX/XX/XXXX ( why ) XX/XX/XXXX credit rating soliciting on how they could make my credit score better, assuming XXXX is not better given the hx of my credit prior to the XXXX recession I enjoyed credit scores up to XXXX ; and yet XX/XX/XXXX XXXX your FICO score has come a long way XX/XX/XXXX XXXX your FICO score has been updated to show a decrease when attempting to view information, no access and yet the system recognizes me ( see print screens ) XXXX XXXX  targets my credit of {$7800.00} and claims it can be increased, ironically after my credit score has been decreased! 
I have not authorized any hard credit pulls on my accounts and was informed by credit union that the credit view would not affect my credit score prior to inquiry. There remains a fraud alert on my credit report and the agency would have to contact me to obtain such a pull.

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 2021-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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