vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 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: AL

Complaint narrative:
My XXXX XXXX was the first to pass away due to XXXX XXXX in XX/XX/XXXX, same month I gave up my career to help support my family needs. I struggled very hard to pay at least the minimum monthly requirement to keep my payment history in good standards with NFCU. But I my credit card still closed an cost a major impact to my credit score. Now Im plan to obtain a mortgage loan to provide a roof over my kids head is at stakes. Also Later this following year My XXXX XXXX an my XXXX XXXX tested XXXX XXXX XXXX in XX/XX/XXXX, another late payment to my credit card. We lost our XXXX in XXXX of XXXX an my XXXX  was born in XXXX of XXXX was tested XXXX XXXX XXXX Therefore l XX/XX/XXXX due to XXXX I lost my job an love ones, so Im asking you to remove all negatives on my Credit Bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$9400.00} XXXX/XXXX  XXXX {$840.00} XXXX XXXX {$300.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$750.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
There are several cards on my report that I have never received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TX

Complaint narrative:
From XX/XX/2020 until the current date of XX/XX/2020... XXXX, Transunion XXXX  XXXX have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting 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 non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
The amount is wrong, and is for more than 1 account. I have recorded communication they refuse to give me copies or speak to me about the debt on more than one occasion. They refused to let me set up automatic billing. Then when I found out I could have ut covered by another insurance if they email me the original bills they refused to send me and the insurance the original bills copies. Also the original debt wasn't billed properly it was billed to XXXX XXXX XXXX not XXXX XXXX XXXX. Per original debtor in the XXXX XXXX XXXX case because im friends with the dr I was billed for seeing. I never did see a dr . I was only in triage and seen a PA and nothing was ordered, I was given a shot and meds. No extras or tests. So bill is also to high for that visit. So, I want to see it. But, the refuse to cooperate. And for over a year wouldn't talk to me and are charging me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
This is regarding my Synchrony Financial Amazon credit card. 
I know this is XXXX, but I get so many junk emails, that I have all of my credit card statements ( that are not on auto-pay ) set to paper so that they come in the mail. I then pay my bill timely 100 % of the time. My credit score reflects that. However, on XX/XX/XXXX I received a notification that my Amazon store card payment was past due. I knew that couldn't be true, and I suspected it was a scam. I logged into my account, and sure enough, it was past due. I had never received a statement in the mail, so I had no idea my payment was due. Upon chatting with customer service, I asked what my statement preference was set to. The agent confirmed it was set to email. I asked who changed it and whether I had given consent. The agent said it had been changed automatically. At that point, I was very upset, and asked if my credit was going to be affected. He said they would not report it and that he would waive the fee, which he did. However, today, I noticed that they also charged interest because the payment was late. I chatted with another agent today ( XX/XX/XXXX ) and asked if something could be done. The agent said they would not do anything about it. I get it, if they need to charge the interest, I will pay it. Not a big deal. To me, what is a HUGE deal is the fact that they can change my preference without ever getting my consent, which leads to fees and interest from which they profit. If it happened to me, it probably happened to hundreds or thousands of other people. Seems like a class action suit to 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 monetary relief
Consumer complaint received 2022-02-22 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: Atlanticus Services Corporation
State: SD

Complaint narrative:
There are several cards on my report that I have never received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TX

Complaint narrative:
From XX/XX/2020 until the current date of XX/XX/2020... XXXX, XXXX XXXX  Equifax have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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:
From XX/XX/2020 until the current date of XX/XX/2020... Experian, XXXX and XXXX have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting 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 2022-02-22 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
My mom passed away in XXXX, and her single family home was distributed to myself and others. Before passing away, XXXX XXXX  XXXX filed for foreclosure in XXXX, alleging that as of XX/XX/XXXX {$130000.00} was owed on the account. The court later dismissed the action around XXXX of XXXX. In XXXX the co-borrower on her loan filed for bankruptcy as a second foreclosure was filed. A new lender was appearing making a claim for an outstanding balance, but was forced to stay its action due to the bankruptcy filing. In an effort to have the federal stay lifted, a motion to lift the stay was filed and a statement of the account was provided which reflected a credit posted to the account in the amount of {$130000.00} on XX/XX/XXXX. This is the exact amount due and owing to XXXX  XXXX XXXX in the XXXX foreclosure action that was later dismissed. 

The loan belonging to XXXX XXXX ( deceased ) was paid off, but never satisfied on the record and never replaced with a new loan. During the Bankruptcy Rushmore XXXX XXXX offered a modification on the satisfied mortgage to the co-borrower, XXXX XXXX XXXX as the borrower and Rushmore Loan XXXX as the Lender. XXXX XXXX XXXX signed as the Borrower and Rushmore Loan XXXX  Signed the modification as the lender. Neither XXXX XXXX XXXX nor XXXX XXXX Servicing had authority to modify the mortgage and note as XXXX XXXX had quit claimed his interest in the property to XXXX XXXX XXXX and Rushmore Loan XXXX is not a lender and did not lend XXXX XXXX any money. Despite the fact that Rushmore is not a lender, the modification signed By XXXX XXXX of Rushmore, is being used to collect on a debt that is not owed against a property that I and my siblings and father gained title to after the passing of XXXX XXXX XXXX. 

Rushmore allowed its false modification to be presented both Federal and State Court in an attempt to foreclose on my property rights for a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: CT

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS that are inaccurate. Please remove these negative items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: MI

Complaint narrative:
This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

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 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion is required to provide proof of how they verified the bankruptcy they are reporting on my credit report. I have written dispute letters to them several times over the past almost XXXX years requesting for them to provide me with proof but they have never provided proof of validation or verification which they are required to do according to the XXXX. My last attempt to dispute this inaccurate bankruptcy was a dispute letter I mailed to TransUnion in XX/XX/2022. TransUnion sent me results dated XX/XX/2022 stating that they verified the bankruptcy but again provided no proof on how they verified it as I requested in my dispute letter. Also, I have a letter from XXXX dated XX/XX/2022 that states XXXX removed the bankruptcy from their report and I have a letter from the courts stating that they do not communicate or verify information with credit reporting agencies so how could TransUnion have verified the bankruptcy information? I have attached letters from XXXX, the court and dispute results TransUnion sent me stating the bankruptcy was verified. 

I have grown frustrated during my several attempts to get TransUnion to correct this error and remove the bankruptcy but they have not properly investigated my disputes. Also, the bankruptcy being reported has no accounts included in the bankruptcy. How can there be a bankruptcy with no accounts included in it? A bankruptcy can not be empty. But TransUnion still did not remove this information after I disputed explaining that fact. All of this is proof that TransUnion is not verifying the information as they are required to do. This situation has caused me a lot of stress. I want this bankruptcy removed from my TransUnion credit report once and for all.

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 2022-02-22 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: CITIBANK, N.A.
State: SD

Complaint narrative:
I received a notice from XXXX the week of XX/XX/XXXX that I had a missed payment on a Citibank card. I do not have a Citibank card. I called the company and the name and social were used but the address, phone number etc. were not accurate and the card was used at a XXXX that I had never been to. They stated that their fraud investigators would contact me and complete the claim. As of today no one has. I have called several times to Citibank in XXXX XXXXXXXX XXXX ( I live in XXXX XXXX ) and have not had any success. I want this off my credit report. It has already had me get denied for XXXX different loans. Credit Report states that the company verified it is me. It is not and the company customer service has even stated as much. Any help in this matter would be greatly appreciated.

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 2022-02-22 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: MI

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report 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 non-monetary relief
Consumer complaint received 2022-02-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
In XXXX, I had a credit card that was charged off with USAA. Since the charge off, I was informed that this credit card was included in bankruptcy and I could not pay it off. However, my bankruptcy was discharged almost a year prior to the charge off, and should not have been included in this action. After multiple attempts to pay off this charged off amount, in XX/XX/XXXX, USAA finally rectified the status of the account on their end, changing the status of the card from " bankruptcy '' to " charge off ''. However, during this time, USAA negatively reported to the credit bureaus that my account was consistently late and charged off, not included in bankruptcy which was the status they had in their system, preventing me to pay it off. I have finally paid off this card, and attempted to submit a complaint with USAA asking them to remove the negative reports as this error was due to no fault of my own. For almost 4 years, USAA reported my credit card account as " charged off '' for the amount of {$570.00}, however would not allow me to pay it off over the several attempts that I have made with them. I am complaining that due to USAA 's error on their end, prevented me to rectify this situation and pay the amount owed. Because of this, and since I have paid it off in full, I would like this account removed from all bureaus of the credit reporting agencies.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NC

Complaint narrative:
My home loan was through midland mortgage. I was in the forbearance program for approximately 16 months. I sold XXXX home on XX/XX/XXXX 2021.My outstanding balance on my mortgage was XXXX, in which all my statement reflect this balance. My statements also show that there is no late fees due on the loan as dictated by the government for FHA loans. Midland Mortgage took the {$11000.00} in interest which was due as reflected on my tax statement. Midland Mortgage also took another {$13000.00} in which they keep telling me that it it interest and fees. I have reached out to a live customer service rep on several different occasions and they dont really tell no specifics but just saying I owe it. Back in XXXX when they first took the funds they had in my online file that the money was interest but they have since deleted the statement from my account. I also believe that the interest is calculated wrong at a 7.25 % rate the interest should have been {$7300.00} in interest charges. The buyers of my home sent the check to Midland mortgage first and they just took what they wanted.

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 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
The lender has consistently applied every additional principal payment that I have made into suspense instead of applying it to the principal. This has happened several times over, and if I failed to check, and called in, every time, I would have never know.

Company response to consumer: Closed with explanation