vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-23 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, XXXX XXXX, a federally protected consumer, authorize this investigation. I have unauthorized fraudulent accounts on my credit report that I do not consent to be on my consumer 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 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Unauthorized inquiries that I notice on my report. Contacted company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Company Midland funding entered a agreement with mediating of judge both agreed and I payed in XX/XX/XXXXXXXX  in XX/XX/XXXXXXXX  I check my credit and same company is trying to collect on same debt I called and Midland is claiming that this new dept. from XXXX  and reported in XXXX False False

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
More information just came in today XX/XX/2021 about this matter. See attached. I mentioned in my last report that they are delaying posting my payments and marking them as " Late '' though I make them within the grace period around the time my Social Security payment comes in. Here is proof positive that they are playing games with me. 

XXXX 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 2021-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I called navy fed on a recorded line XX/XX/21. I submitted an application for a refinance and was provided the rate. I asked specifically would that rate change during the application process and the representative said No. 

No Im being told thats not the case and the rate has increased. No one provided a reason to this and I thankfully caught this prior to proceeding. 

When I contacted the bank, they advised they werent going to change this. I told them to listen to the call and you would hear what was stated. 

I dont know if this a bait and switch or just normal deceptive practice by navy fed. But I know if they did this to me, chances are theyre doing this to others, some without knowing its beiNg done. 

They need to not be deceptive or trying to commit fraud against military/veterans or anyone for that matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23 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: CA

Complaint narrative:
My right to privacy has been infringed upon severely. My personal information has been shared without my knowledge or consent. I have been a victim of identity they and I have provided supporting documentation, but the fraudulent accounts keep appearing on my credit file and consumer reports. My reputation in with the financial institutions has been jeopardized and I need this fraudulent information deleted 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 2021-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Company XXXX XXXX entered a agreement with mediating of judge both agreed and I payed in XX/XX/XXXX in XX/XX/XXXX I check my credit and same company is trying to collect on same debt I called and XXXX is claiming that this new dept. from XXXX and reported in XXXX False False

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 2021-10-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has a closed date of XX/XX/XXXX which is inaccurate information. I have a copy of a letter as of XXXX XXXX showing a balance of {$0.00} before XX/XX/XXXX. Therefore Equifax has once again has place false information on credit report. According to ( FCRA ) agencies should report accurate information. I am asking for a physical investigation not E-Oscar or Metro2. The correct closing date was in XXXX of XXXX as I wrote it down after speaking with XXXX  XXXX representative. I wrote the information on the envelope. Plus the date of the paperwork show I contacted them before the closed date as Equifax has submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I called in to ask to explain my interest charges varies up and down so drastically even when I pay extra. The supervisor explained the daily rate and how it is calculated. I the asked why does there portal state I do not have a payment due for 2 months. I thought that was very odd and very confusing. He stated I can pay but so not have to. I then asked why would that be. It feels they state this so I wouldn't pay for 2 months and would be charged {$280.00} in interest charges in XXXX. This message that is presented to me was made to confuse me and make me feel as if I am ahead of schedule. This feels like a very misleading tactic with no benefits towards the consumer. If they would leave my bill the same I would pay it as required by our agreement. This actually happened back in 2020 where I saw only {$100.00} was due. Now I understand they simply charged me more interest on the {$220.00} I didn't pay that month.

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 2021-10-23 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: CA

Complaint narrative:
My right to privacy has been infringed upon severely. My personal information has been shared without my knowledge or consent. I have been a victim of identity they and I have provided supporting documentation, but the fraudulent accounts keep appearing on my credit file and consumer reports. My reputation in with the financial institutions has been jeopardized and I need this fraudulent information deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
I am a Military Vet with over 10 years service to my country. I became XXXX  in 2016 for over 4 years. As such I lost most of my documents. I have recently become settled and in the last year I have been trying to resolve these fraudulent account issues with the following debt collection agencies. These accounts I did not open and their presence on my Credit Report has made it almost impossible to take care of my children and my family during this Pandemic. I also reported it to the Police and they advised me that I should make a report to CFPB. The below mentioned companies have not been able to provide me with either my Social Security number or my signature as proof that I have opened these accounts. Neither will I provide it to them as I no longer believe that it is safe to do so. 

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

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 2021-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
on XXXX my mortgage company NewRez LLC paid insurance premiums to XXXX XXXX which is not my insurance for my house. NewRez said i must have authorized it, which was a lie. I called XXXX XXXX and found out it was not even my address or name on the account that was paid. They have returned the money to NewRez and both are saying it is the other ones mistake of course. The money has been cashed by NewRez but still waiting for them to put the money back in my escrow account. I do not want this to happen again or to some one else. I have been told it is my fault figure it out. I have tried and just want some one to explain how it happened and do not let it happen again.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Global Lending Services LLC
State: NV

Complaint narrative:
I have bank statements showing timely payments. 

Global Lending due on the XXXX of each month. 

( A ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

( B ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

( C ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

The vehicle was traded on XX/XX/XXXX but, Global Lending continued listing late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union is in violation of of my consumer rights only signed under Title 15 Chapter XXXX. Navy Federal Credit Union is violation of the Truth in Lending Act, and Equal Opportunity Credit Act, as I was discriminated against in regards to a consumer credit application for a used vehicle. XXXX and 15 USC 1691 states I cant be denied on an application if I exercise rights under Title 15 Chapter XXXX which is discrimination of character. I am being discriminated against for something Navy Federal Credit Union cant give me, nor can see, touch, smell, nor taste. Banks do not have the power to loan money or give out credit as they are a fictions entity. 12 USC 1431 clearly states the powers and duties of the bank, and Title 15 Chapter XXXX in no way shape or form defines the term loan or borrower therefore can not the application and myself can not be referrenced as such. Navy Federal Credit Union is denying my consumer credit application based on a credit score which is nothing but a debt calculator and have addressed their decision letter to a XXXX XXXX XXXX which is a corporation. I am in fact a natural born person, flesh, blood, and spirit under the most high and do business as XXXX XXXX, XXXX. How can Navy Federal Credit Union deny my right to my own credit when they dont even know who they are giving the credit to? I am not a dead man nor corporation, XXXX created natural persons ( living beings ) not corporations ( dead entities ). Navy Federal furnished a generic application/contract which must contain adequate and full disclosure pursuant through federal law. Every contract pertaining an automotive vehicle contains the promise that I have already given the bank or dealership the security interest for the vehicle and all pets or goods in the vehicle ; all money or goods received for the vehicle, all insurance, maintenance, service, or other contracts we finance for you ; all proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This would secure payments of all that is owed on the contract/application. Attached is a sworn affidavit of truth which is a law binding document, that must be met with documentary evidence and a sworn statement rebutting the facts within. A cookie has been mailed to Navy Federal Credit Union XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2021 Capital One closed my account, after 21 years of business, for NO reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I had to close my account because of fraudulent charges and it took a long time to investigate and close my account. The delay made it look my payment was delinquent when I actually had a credit balance.

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 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Hello I was made aware through my email address from Capital One regarding my credit card, and that they are going to close my credit card due to activity of my card being used fraudulently. Well they can produce no fraudulent activity to me when I called and requested it, but said to me in this phone call made around the beginning of XXXX, that they are going to close my credit card account ( credit card # XXXX XXXX XXXX XXXX ) because of 10 transaction charges that have been tried onto my credit card in the 10 months that I have had the account. Yes I admit that during the whole time the pandemic has been going on, that financially I have struggled, but this Capital One Credit Card has the settings set up ( by me ) to deny any charges that are attempted if my account does not have the money to process the transaction. So I am saying how can this bank go against my wishes and allow transactions onto my card, when I have the account set up to not have that happen, and then allow the transactions to happen and use that against to now close this account. This is what I am asking help with and please ask for your help. Thank you! 

XXXX XXXX XXXX cell phone XXXX email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: WA

Complaint narrative:
I took out a car loan for the purchase of a used car in XXXX of XXXX With global lending service at a very high interest rate of 24 %. I had XXXX credit at the time and that is why my interest rate is so high. I had a 100 % payment history up until until XX/XX/XXXX. I called And explained that I had been diagnosed with a XXXX  XXXX and had been Suffering tremendously from my XXXX, Having become a XXXX  XXXX XXXX  And being subsequently fired from my job for that reason. I explained that I was experiencing an undue financial hardship and requested some type of reasonable accommodation. I was told by whom I was spoke with that they would put ahold on my payments to give me more time and guaranteed me that this would not be reported to the credit bureau. Local lending services do not offer refinance they are a creditor. Someone with a 100 % payment history and who is in the process of increasing their credit score should be able to have the opportunity to refinance And have a smaller payment. Within 30 days of my 1st late payment someone reported it to the credit bureau and it has literally destroyed my credit score Which at this point is making it absolutely impossible for me to find a rental home because I am in the middle of being a evicted. I have been offered no lower monthly payments, no option to refinance, and it's, no help whatsoever. It was my understanding that under the American with disabilities act creditors are required to offer customers Who have disabilities that are preventing them from working and paying their bills on time, are reasonable accommodation. This has literally ruined my life And will most likely be the reason that I Become homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2020 I discoverd Wells FargoXXXX XXXX XXXX XXXX XXXX report as a negative balance on my credit report. I have never owned, applied or possessed any of these cards.

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 2021-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
The bullet point I selected does not fit with my situation but it was the closest thing on the list. 

The collection company and I agreed to pay off my debt starting of the XXXX of XX/XX/2021. We agreed that every month they would charge my account with {$150.00} on the XXXX of every month until XXXX where we changed the payment date to be the XXXX of every month. This collection agency would repeatedly take the money out of my account 1 or 2 days after the agreed date so now XXXX has marked all of those payments as late and is hurting my credit. I wrote a letter to the 3 bureaus about this company charging and illegal fee on top of the debt I have accumulated so the 3 bureaus closed the account but XXXX marked it as a charge-off due to these late payments. 

It was the responsibility of the collection agency to take out the money out of my account on the agreed dates and I did not cause them to take the money late in any of the late payments. Both the XXXX and XXXX reports agree that the payments were not late and that the account is not marked as a charge-off so it is just XXXX that is giving me these issues. 

I would appreciate your help in resolving this issue. Thank you for your time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX one of my employees was not able to login into the Barlcays Business Card website. We called customer service and after almost 3 hours were told that, there is now only one way to login into a Barclays credit card account. This change would mean I would have to give employees access to my personal Barclays card which is non-business with only one option to log into my credit card. Their website said if you need a login for business credit cards to contact them and request one. We contacted them on five different occasions and no one was able to help. 

Call XXXX XX/XX/XXXX - 31 min at XXXX XX/XX/XXXX - 15 min at XXXX XX/XX/XXXX - 55 min at XXXX XXXX 3 min at XXXX XX/XX/XXXX - 52 min at 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 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020 I discoverd XXXX XXXX, BBY/CBNA AND DSNB MACYS report as a negative balance on my credit report. I have never owned, applied or possessed any of these cards.

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