vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: KS

Complaint narrative:
My first request for verification was on XXXX and that was over 180 days and i have yet to receive proper verification from this alleged XXXX debt that it is on my report. Also i never even received the option or the communication needed to rectify this alleged debt. XXXX has not verified this account or anything and i've sent countless letters to them. I need your help because they are ignoring me.

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 2022-04-04 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: CA

Complaint narrative:
I submitted a complaint against Equifax because I can not get access to my account. Equifax claims that account access is resolved as per previous response but entering the email address and password does not get access to the account. I also sent Equifax postal information and have not received received any response or apology from the company. The account access was tested on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
There is an account that is being reported on my XXXX Credit Report that should not be. The account is as follows : NET CREDIT Account # XXXX Sold To : XXXX XXXX XXXX. This account does not belong to me. Net CreditXXXX XXXX XXXX XXXX a Civil Suit against me regarding this account. I did not know the source of their information on this account and due to this the case was dismissed in my favor in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I mailed out 4 letters to XXXX on the following dates ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting for the removal of this account with copies of the XXXX XXXX. Each time XXXX sent a letter back to me stating " that the company that reported the information has certified to XXXX that the information is accurate ''. In my last 2 letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX ) I requested they provide me with the actual proof the information was verified, not a computer generated confirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I also mailed a letter to Net CreditXXXX XXXX XXXX on XX/XX/XXXX requesting they remove this account from my Credit Report and received no response. I would like this account removed from my XXXX Credit Report as it is highly injurious to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently file a complaint with the consumer financial protection bureau on XX/XX/2021 against Portfolio Recovery Associates. At this time i request a cease of all written and oral communications and gave a list of violations under Fair Debt Collections Practices Act. At which stated each violation is 1000.00 15 usc 1692k ( a ) ( 2 ) ( a ) and to verify this alleged debt 15 usc 1692g. Portfolio Recovery Associates did not remove collections while in dispute from my consumer file with the credit reporting agencies under Fair Credit Reporting Act 15 usc 1681i ( a ) ( 1 ) ( a ). 
I was sent a summons though the mail in feburary that I was being sued in civil court in XXXX and another statement for payment which their main offices are located in virginia which is a violation per federal law to sue someone in another state. 
Which is violation of previous agreement from response to cfpb and a letter was sent to me though mail to cease all communications 15 usc 1962c ( c ) and 15 usc 1692c ( c ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I used my XXXX card for a purchase only to find out I had a XXXX balance. When I called the Bank of America I was told a wire transfer of {$2300.00} was made without my knowledge. I have no information of who or where the funds went. I did NOT authorize this transfer of funds. I filed a fraud report with XXXX and the police. 

I am asking for help in receiving these funds back since I have NO knowledge of this event and I am a XXXX living on SS and need these funds to live

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 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I went to XXXX XX/XX/2021 to close my account and paid off the full balance owed which was {$350.00}. Then I receive an additional bill and a past due notice on XX/XX/2021 and spoke to XXXX on XX/XX/2021 no worries she would take care of. She didn't see any info on the computer so it must be taken care of on XXXXThen on XXXX XXXX I get a collection notice with late charges added. I spoke with XXXX on XX/XX/2021. He assured me that this was a final bill because when I went to XXXX, the clerk could only see current billed info. Since I closed my account, I was being billed for that time that wasn't reflected above. He took off the late charges and assured me that if I paid the {$130.00} I would be done with XXXX. I received a bill for the {$130.00} and paid it on check XXXX on XX/XX/2021 and it cleared my bank so I assume I am done. Now I receive another bill saying it is past due. So on XX/XX/2021 I sent letters to the collection agency and to XXXX explaining in detail that I do not owe this debt. Now looking at my credit report it show up under collections. Please help me I am at a loss to get this off my credit report and to clear this up. It has been going on since XX/XX/2021 and I can not get it resolved.

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 2022-04-04 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: NJ

Complaint narrative:
On XXXX XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple address that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and notice that XXXX and Equifax did not update my address and also did not remove the inaccurate addresses, so I am now, taking the extra step, because I really these addresses off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: LA

Complaint narrative:
My loan is through XXXX XXXX and is being subserviced by XXXX. They are collecting money to pay the taxes in escrow but they have not paid the taxes this year. Also I have had to make several calls to them over the past 3 years for the same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: VA

Complaint narrative:
XX/XX/2022 called Hunter Warfield in attempt to pay debt. I was sent a letter for {$770.00}, but they are asking for more than that. They sent letter to wrong address. It needs to be sent to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: GA

Complaint narrative:
I paid DISCOVER. {$150.00} ( over the {$110.00} minimum ) on XX/XX/22. I had a {$61.00} available balance, then one day I looked and I was charged {$91.00} which left me with a - {$31.00} balance. The company repeated what was on the statement ( interest & fees on purchases ). I hadn't made any purchases the card stays frozen. I have an copy of the statement if you need to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Original mortgage was serviced by a different lender. Under our original lender, we were in a protected COVID Forbearance starting XX/XX/XXXX, with an end date of XX/XX/XXXX. We were fully up to date on payments with no delinquency before the forbearance. 

Attempted multiple times to set up a repayment plan with previous lender and were given incorrect information multiple times. A previous report was filed against them for this already and I have never received a response. 

While waiting for the repayment plan to be finalized, we were notified that original lender had sold our loan to ShellPoint Mortgage and it would be transferred on XX/XX/XXXX. Conveniently for them, one day AFTER the forbearance protection would end, with no repayment plan set up despite asking for several months to set one up. We were told by our previous lender that they could not do anything to set up repayment plan before the transfer, but that we would be protected for 60 days until ShellPoint could set it up with us.

Made several attempts to contact ShellPoint immediately after transfer in the first week of XX/XX/XXXX, and were told that the documents weren't there yet and needed more time. After much back and forth, we were finally able to set up a repayment plan. 

ShellPoint told us that we had to make 3 trial payments beginning in XXXX, and then the loan modification would be final. Told us that there would never be an delinquency reported as long as we made the payments.

We made all 3 trial payments on time, finalized the loan modification, and then began making regular payments on the new modified loan. 

Shortly after, we found out that they are reported us as delinquent to the credit bureaus. We have attempted to resolve this multiple times with ShellPoint directly. They apparently reviewed it and the deny any wrongdoing and continue to report us delinquent.

We have actual financial damages from this incorrect and illegal reporting. Our credit has taken a substantial hit and we are no longer eligible for credit that we should be eligible for. We are seeking that ShellPoint immediately rectify their credit reporting. We are also reporting this with all 3 credit bureaus. 

I am requesting an update from CFPB when this complaint is processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXX/ XXXX / XX/XX/2022

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 2022-04-04 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: IN

Complaint narrative:
I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been trying to dispute fraudulent information that I noticed have been reported on my credit report by XXXX. Several months back I had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in the XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TX

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

15 U.S.C. 1681 Section 602 A. States I have a 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 permission.

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 2022-04-04 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: TX

Complaint narrative:
I spoke to a rep from each bureau, Transunion, XXXX, and the third one XXXX. Each rep advised me to file an FTC identity theft report back early XXXX. I did just that and submitted everything they asked for via CERTIFIED MAIL on XX/XX/2022. The fraudulent inquiries are still on my credit report and they have not even responded. Please help!

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I, XXXX XXXX, a federally protected consumer and NATURAL PERSON, has been disproportionately VIOLATED by Navy Federal Credit Union. I opened my NFCU account in XXXX and in the beginning of XXXX NFCU made an unlawful decision to not send me an updated card and close my credit card account. At that point I had not fallen behind on my account so I was totally confused and completely stressed about their poor decision. It was at the peak of the pandemic and to make matters worse NFCU began taking money out of my checking account to put towards this closed credit card account causing overdraft fees. NFCU closed closed my account and negatively reported an unvalidated debt without my permission, which was of no benefit to me violating the Consumer Credit Protections Act. Pursuant to 15 USC 1601 ( a ) these laws were put in place to protect the consumer against inaccurate and unfair credit billing and credit card practices. Performing actions on a consumer account without their permission is undermining congress. 

NFCU repeatedly called/ texted me, took money from my checking account causing other bills to go unpaid. My consumer rating took a major hit because now this closed account is making my utilization high making it hard for me to get financing for a reliable vehicle to make it back and forth to work to maintain a living for myself and my family. I now know my rights and I am done being being violated and I demand remedy for the unnecessary stress and mental anguish this credit union has caused me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF THE WEST
State: NV

Complaint narrative:
I was supposed to receive two different XXXX ( real time ) deposits. I received the email confirmation from XXXX and the issuing parties that the funds were sent and should be available immediately. It has now been more than 24 hours and my funds have still not posted. I have called the online bank 9 times within the past 24 hours and have waited on extended holds exceeding 2 hours. Once I received a live person he told me I reached the wrong department and had to transfer me to the online department. I waited another 50 minutes for the phone to just disconnect. Each time I call and the call reaches about 90 minutes on hold the phone disconnects. I am unable to get help with my concerns. I went in person to a local branch and they were unprofessional and did not want to investigate my inquiry. This bank has had many unethical business practices in the past such as not posting funds when available, overdraft fees for items that were still in a pending status, etc. I have conducted a lot of business via XXXX and never had a problem receive my funds in a timely manner with other financial institutions. Bank of the West is unethical. Im sitting at a branch now and nothing appears to be getting resolved.

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 2022-04-04 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: GA

Complaint narrative:
Equifax has failed to comply with 15 USC 1681c. I never gave authorization, to any consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Equifax is furnishing accounts to my consumer report that is a violation of this section. Equifax has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. Equifax has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) they have furnished reports containing information which is supposed to be excluded from all consumer reports this is a violation of this section. Equifax has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted an online dispute for multiple charges on my card which was placed by a vendor I had cancelled my two contracts in writing per the vendors cancellation policies on XX/XX/XXXX. According to the contract with the vendor it would take 30 days for the contracts to terminate. On XX/XX/XXXX my card was charged twice for {$50.00}. I submitted the cancellation information provided to me by the vendor and the written emails which were sent on XX/XX/XXXX to cancel the contracts. 

On XX/XX/XXXX I received two notices ( one for each charge ) from Wells Fargo stating that they had declined to dispute the transaction because the merchant had no record of our cancellation and that they had no authority to cancel our contracts. The vendor replied to Wells Fargo that we inquired about cancelling the contract but that we failed to actually do so and they sent the contract which shows that written communication, which can be accepted by email, is needed to terminate the contracts and within 30 days the contract will terminate. I provided Wells Fargo with a copy of the vendor 's cancellation policy and the written notice we submitted to the vendor on XX/XX/XXXX. The vendor is using a malicious and deceitful tactics to prey upon their clients and Wells Fargo is not doing their due diligence to protect me and other consumers from malicious companies as they have ignored all written evidence provided to them. The vendor will not cooperate with us over the phone or through written communications and now Wells Fargo is allowing this unethical business practice to proceed.

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 monetary relief