vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I called to file a fraud claim when I received an email that a Navy Federal member was added to my member accounts. Immediately I reached out to Navy Federal because 1. I do not recognize this name & 2. I have never given anyone access to my personal banking. Upon further investigation Navy Federal employees admitted that the person who unlawfully gained access to my account was suspected to be a part of what they called a " fraud ring ''. I have an XXXX XXXX and they informed me that someone with a XXXX XXXX had been logging into my account for about 2 weeks. This person deposited a fraudulent check into my account & watched for the funds and as soon as it was deposited my entire account was wiped clean. The claim was split into 1 parts. I was awarded 1 claim and not the other. Navy Federal is now harassing me over approximately {$5000.00} which I do not have and will not be able to pay. I have requested this person 's information to file a police report and it was ignored. I have requested to see a copy of the check to include in the police report. I have only been told that the investigator who is looking at the second half of this claim insists that I gave out my personal banking information. I have been with Navy Federal without issue for over 5 years. I am completely disappointed in the lack of customer service I have received especially with this being my primary bank I have had to make so many changes that have affected my daily life. This incident is very traumatizing because with all the in person & virtual theft going on to have to fight with your bank for proof in the middle of a pandemic is to much. I have been dealing with this for about 2 months now and I am drained. No one ever gets back to me or answers my questions and quite frankly I would not be too upset closing all of my accounts after the way this situation was handed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY

Complaint narrative:
Received a letter today, XX/XX/XXXX that was dated XX/XX/XXXX that said they want to work with me to avoid foreclosure. Also received on XX/XX/XXXX that was dated XX/XX/XXXX stating they wanted a payment for the full amount I owe.

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 2021-12-12 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: CA

Complaint narrative:
According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. Transunion, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

What friends, associates, neighbors of the reported consumer did you interview? Can you provide the following names of the friends, associates, and neighbors that you interviewed? 

The following accounts : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-12 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: CA

Complaint narrative:
According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX. XXXX XXXX XXXX ( A ) ( XXXX ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, Equifax, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

What friends, associates, neighbors of the reported consumer did you interview? Can you provide the following names of the friends, associates, and neighbors that you interviewed? 

The following accounts : XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/21, I sent letters regarding inaccurate and unknown accounts and information reporting to my credit reports. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, the reporting agencies are suppose to provide actual proof the information was verified. This did not happen. All 3 reporting agencies ( XXXX, XXXX XXXX Equifax ) responded with computer-generated response confirmations. So again on XX/XX/21 & XX/XX/21 I sent letters credit agencies to investigation letters demanding to comply with my request. I have sent letters to the companies furnishing this information to my credit report on XX/XX/21 and have not received any information in return, no response at all. I presume that no proof of alleged debt nor therefore such any debt in fact exists. I demand that these accounts be deleted immediately or I will file for litigation due to the stress they are causing. My information was impacted by the Equifax data breach and I am a victim of Identity theft. The reporting agencies are aware of this yet they refused to do a proper investigation. This whole thing has taken much longer than XXXX. This is day XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: FL

Complaint narrative:
My information was exposed in the Equifax Breach. I submitted two claims regarding this one in XXXX when I first was aware of the breach and again in XX/XX/XXXX after NO RESPONSE was received from Equifax. As a result of the breach I have several pieces of information that were FRADUELENT and NOT made by me on my consumer credit report. I have sent EQUIFAX my police report, Identity Theft Report and several other pieces if information about my disputes but they REFUSE to remove this information from my consumer credit report. Under the FAIRS CREDIT ACT I have rights as a consumer to fair credit reporting and EQUIFAX is REFUSING to remove these fraudulent inquiries with a generic response. I have been dealing with this for now more than 2 years and I am tired of the wasted time, pain and suffering, money and financial hardship I have experienced because of EQUIFAX. I want my credit report fix IMMEDIARTELY or I WILL FILE A LAWSUIT AGAINST EQUIFAX. I have attached the Equifax Breach claim along with supporting documents of the fraudulent inquires that were made on my credit report because of EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have submitted a request for the agency to verify that this debt belonged to me and asked for documentation of proof that this account is mine! The agency sent me a letter containing the last XXXX digits of my social security numbers and nothing more! This company is continually reporting this inaccurate information on my credit report and it is causing my great distress! I am writing in hopes of finally settling this matter! I have been going back and forth with this credit agency for XXXX months! This is the first time they respond to me! With a document recording the last XXXX of my social security number and my original dispute included this information! This is ILLEGAL practices from this debt collector! I will have to take this matter to court if it is in my best interest! While I prefer not to litigate I will do whatever is in my best interest to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: Lewis, McDonnell & Associates
State: NY

Complaint narrative:
I have continuously reported two accounts as inaccurate on my credit report with XXXX XXXX who I do not KNOW whatsoever! I have disputed these accounts and the company has absolutely ignored me continuously! I have received absolutely no proof nor have I have received a response at ALL! This is ILLEGAL per FCRA and FDCPA regulations! This company will not respond to any letters I have sent! I am considering litigation at this point, although I prefer not to, theyre leaving me no choice and I must do what is in my best interest. The first point of contact with this company was on XX/XX/21 and I have yet to hear from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo on XXXX, XX/XX/2021, at XXXX XXXX. Around XXXX XXXX PST, a manager/supervisor answered the phone. He indicated his name was XXXX. I asked XXXX which country he was located. He refused to answer my question and deliberately disconnected the call. This was unprofessional and his egregious conduct reflects poorly upon Wells Fargo. I have never had a supervisor from any company disconnect the call on 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 2021-12-12 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: FL

Complaint narrative:
My information was exposed in the Equifax Breach. I submitted two claims regarding this one in XXXX when I first was aware of the breach and again in XX/XX/XXXX after NO RESPONSE was received from Equifax. As a result of the breach I have several pieces of information that were FRADUELENT and NOT made by me on my consumer credit report. I have sent EQUIFAX my police report, Identity Theft Report and several other pieces if information about my disputes but they REFUSE to remove this information from my consumer credit report. Under the FAIRS CREDIT ACT I have rights as a consumer to fair credit reporting and EQUIFAX is REFUSING to remove these fraudulent inquiries with a generic response. I have been dealing with this for now more than 2 years and I am tired of the wasted time, pain and suffering, money and financial hardship I have experienced because of EQUIFAX. I want my credit report fix IMMEDIARTELY or I WILL FILE A LAWSUIT AGAINST EQUIFAX. I have attached the Equifax Breach claim along with supporting documents of the fraudulent inquires that were made on my credit report because of EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: Kriya Capital, LLC
State: NY

Complaint narrative:
I am writing in reference to credence a debt collector who I asked to verify a debt on my credit report however they sent me a letter stating that it is valid with no supporting documentation. I have never had XXXX XXXX XXXX who they state is the original creditor and I can not possibly owe someone I have never done business with! Credence is refusing to remove this INACCURATE information from my credit report and I am considering litigation as this reporting is causing me severe distress. While I prefer not to litigate I will do what is in my best interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
JPMCB XXXX SERVICES, REQUESTED OWN XXXXActions that was taken Unauthorized inquiries own my XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several student loan accounts on my Equifax report. I consolidated all of my student loans. No need to have several accounts on my report. Leave current one and remove the rest of all those accounts on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: TX

Complaint narrative:
There are several student loan accounts on my XXXX report. I consolidated all of my student loans. No need to have several accounts on my report. Leave current one and remove the rest of all those accounts on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
I sent a dispute letter and they have not provided any proof that I owe this debt. They are using fraudulent and illegal business practices to get me to pay a debt that I do not owe. I requested information from them about the incident and they purposely ignored my requests. I am concerned that they are taking actions that will impact my financial status. 

I am concerned that they are taking illegal actions to collect debt that I do not owe. I sent a dispute letter and Wilburs response didnt appropriately answer my questions or concerns. 

Proof I owe the debt. 
Itemized list of costs that total the amount of the debt Provide proof of any judgement Proof that you are licensed in the state of Illinois A list of all communications and methods related to this matter List of actions taken against me so far Out of these 6 questions I asked they only provided an itemized list of costs. The cost that they have included is absurd. The other 5 questions were purposely ignored. Wilbur Group has a history of trying to collect debts from consumers that do not owe. They have several other CFPB complaints against them for the same reasons. Their actions violate several consumer laws.

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 2021-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
Once again we are harassed by the XXXX XXXX and FISERV XXXX XXXX duo in that when we login in to XXXX there is no mention of the below NEW {$300.00} charge back, and even lists a NEW {$5000.00} charge back that we can not respond to. Please urgently advise, and TELL THEM TO get it together. In other news, THEIR FIXER CONTACT " XXXX XXXX '' never answers his phone when we call him back and leave a message. Please TELL THEM TO attend to this matter and fix, or we will have to file yet another series of complaints against XXXX XXXX and XXXX  XXXX of FISERV XXXX Unit with the OCC,  CFPB, DFS, FTC and XXXX PLEASE TELL THEM TO be guided accordingly, and take a personal interest in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Applied for a Citizens Bank Credit Card ( a Mastercard ) with an " Earn 5 % Back on Everything '' purchased on the first {$6000.00} of purchases within the first year. The 5 % back " reward '' is actually a 3.8 % bonus over the " everyday '' 1.8 % " reward. '' I applied for and was issued a card in XX/XX/2021 and noticed that only 1.8 % was credited. I called their " customer service '' telephone line and, after a XXXX minute wait, was transferred to another department and had a XXXX minute wait. The Citizens Bank customer service rep did not know of the promotion and was not helpful. Because their executive office does not publish their telephone number I used the SEC filings to obtain the number and was connected with the " President 's Office. '' I explained the problem and have received two call backs- the person who called continues to promise to rectify the problem but she has not done anything. I see that the Bank is again running this promotion - I believe it to be a scam

Company response to consumer: Closed with explanation