vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Acct XXXX I submitted a claim on XX/XX/2024 regarding a charge from a XXXX in XXXX with an email address of XXXX or XXXX. The bank stated that they needed additional information AFTER I already sent them emails that I sent to the merchant asking about my order and them giving me excuses. I asked the Merchant to cancel my order and they never responded. They provided a bogus trackin number that states my order was delivered but did not have an address on the confirmation. I attempted to provide AGAIN eveything NavyFederal asked and they said that they did not get the upload and could not resolve my case allowing for this merchant to steal XXXX from my checking account. I had to send a request via email message to appeal the claim for an order I never received from a merchant that is clearly fraud. Navy federal has failed me as a customer regarding this claim and have left me with no choice but to complain. My account can be hacked into or something fraudelent take place and they will let this happen is unacceptable. I told them if it is not resolved I am closing my account and will continue to pursue what matters necessary to assure that they acknowledge their unwillingness and support regarding my claim and protection of my assets that I currently have with them. I would have never had to go through this we my previous bank XXXX XXXX and considering going to back to doing business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am writing to request the removal of a collection account from my credit report. I have not engaged in any transactions with this collection agency, nor have I authorized any collections to be made on my behalf. It is imperative that this account be removed promptly, as its presence on my credit report is negatively impacting my credit score. I respectfully request that you cease all collection activities associated with this account and promptly remove it from my credit report. Your cooperation in resolving this matter is 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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: NJ

Complaint narrative:
After careful review of my consumer report, I still noticed that you furnished inaccurate accounts on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to indemnify maximum possible accuracy of the information concerning the individual about whom the report relates. You have verified inaccurate information which is illegal! You have violated METRO2 Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to opt-out of reporting these accounts on my credit file pursuant 16 CFR313. Im opting out all information thats not accurate and pursuant 15 USC 6802, 15 USC 6803, 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand attached accounts be deleted from my consumer report. 

1. According to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. 

2. I also have proof of public legal notice, that all the liabilities been transferred to my living Trust. Therefore, any negative accounts listed on my consumer report is inaccurate and erroneous and must be DELETED from my credit file. My consumer report should be free and clear of any negative and false items. 

-Please See Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went to Bank of America and requested a cashiers check in the amount of {$7500.00} to purchase a vehicle from XXXX XXXX. After giving the check to XXXX XXXX, I decided that i did not want to continue with the transaction and requested by phone bank of america to stop payment on for cashiers check # XXXX on XX/XX/XXXX after also notifying XXXX XXXX of what I would be doing. On XX/XX/XXXX, I went into bank of america in person to the branch in XXXX XXXX, Ca on XXXX XXXX to speak with a bank representative to ensure the cancellation of the check. Several times I went into the bank just to get the status of the check, whether or not it was put on hold or whether it had been cashed and never received that simple answer or anything in writing. On XXXX XXXX XXXX  I mailed a letter to follow up on the status of the cashiers checks and my inquiries, and never received a reply, I am XXXX XXXX XXXX and i now have my daughter with POA taking over managing my affairs. Here a year later and B of A has never responded to my verbal or written inquiries about this cashiers check. I have been a customers for decades and have been treated poorly in the branches and dismissed as a senile old man which is not the case. I am attaching the letter and the cashiers check that i have been inquiring on since last XXXX and seeking escalated assistance to resolve this matter.

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 2024-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
Penny Mac Mortage- SCRA -ServiceMembers ' Civil Relief Act I filed to get my interest rate with this company and they denied my request with military orders starting XX/XX/2024, where they are title 10, 400 days long and I closed my loan on XX/XX/2024. They denied my request to lower it from 7.135 % to 6 % which is against the SCRA. I been contacting them back and forth and they have not done anything to help me fix it and bring the rater to 6 % and keep denying it when it is clearly against the law. I am currently in the XXXX XXXXXXXX XXXX XXXX I was told by command that this is not right and they arent abiding by the law thus for my reasoning by my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I emailed, mailed, fax and spoke to loan provider many times asking for settlement of one loan and deferment of 2 other loans, because I am doing my residency until XX/XX/. Each time I called, I was informed that my financial statement will be forwarded to upper authority for consideration. Now they are sending me and my cosigner letter, asking to make payment before XX/XX/2024 or they will put loan in default. No one ever call or answer my email or fax regarding this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX month ago, my account was locked by a mistake of the bank and they said unfortunately XXXX cant reopen it and they will send me the money back in XXXX weeks, but I have not received it yet. 
The mistake is that they bind my sisters credit score to my account cause there only XXXX letter difference between our names, my sister never provide her social number to anyone else, so she thought someone is fraud. She went to bank and asked for the help, the bank didnt provide any information to her, and they just locked my account.Its my account, not her! After I found my account be locked, I bring my sister back to the bank and explained to them, but they said there is no way to reopen it and they can give me the money back with check in XXXX weeks. 
Its XXXX month later, I dont received any mail, and I dont receive any info about my account status after my account was locked, today I called them for more than around XXXX hours to figure it out, and finally, they just said there is no estimate time about when my money will be returned and call us every XXXX to check. 
Its unfair. They keep my money. BofA is a big company, I have to transfer my call from XXXX department to another department to describe and ask, it feels like my case is a ball they kick for fun. 
I hope to get my money back 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 2024-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
I have continuously been harassed by this debt collector. They have contacted my work and my cell phone numerous times throughout the day, every single day. 

I have tried to offer them a payment amount and asked them to set it up on automatic payments but they say they cant take the amount I feel comfortable paying. I CAN NOT afford the amount they are saying I have to pay each month. Now they are threatening legal action but yet they refuse to take the amount of money Im offering to pay. This has been going on for almost a year.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I looked at my credit report I noticed some things that are incomplete and not accurate. i had already told/send letters to all XXXX bureaus about this yet they have not done anything the investigation is completed and still the items remain i feel like a victim of the system now that i am learning about the credit bureaus ways and how they make money off us, so i figured its in they best interest to use my info how every they want to. but i learn according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. to These accounts Creditor 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate, According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX - Purchase on PayPal Credit to XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX refunded PayPal Credit {$1000.00} XX/XX/XXXX XXXX XXXX  showed a double refund on my account XX/XX/XXXX - PayPal credit charged me back the extra refund as a PayPal purchase {$1000.00} XXXX XXXX XXXX PayPal ( non credit account ) put a negative {$1000.00} against my account. 
XX/XX/XXXX I spoke numerous time on the phone and by chat to both PayPal Credit ( who blamed XXXX for the oversight ) and PayPal non credit account who kept referring me back to PayPal Credit. 
XX/XX/XXXX I filed a complaint with CFPB against PayPal who responded on XX/XX/XXXX advising the negative balance they put on my account is because PayPal Credit didn't return their refund on behalf of my account. I have nothing to do with your internal funding and refunding of your account holders. Please fix your error

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-16 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Unauthorized Credit Card Transactions and Dispute with Goldman Sachs, XXXX, and, XXXX XXXX XXXX. 

On XX/XX/XXXX, my credit card was charged twice without authorization : XXXX ( {$110.00} ) and XXXX ( {$190.00} ). These charges were made by an XXXX XXXX XXXX company, XXXX XXXX XXXX for car recovery fees, despite the fact that the car was returned to a designated parking spot per their mobile applications instructions. 

As of XX/XX/XXXX, I have been disputing these charges with Goldman Sachs Bank USA for XXXX months. Unfortunately, I have not been provided with a clear method for arbitration. Instead, I can only re-dispute the charges every XXXX months. 

Complicating matters, the transactions were processed through a fourth party, XXXX. Neither Goldman Sachs ( the credit card company ) nor XXXX has taken responsibility for finalizing this matter. 

Below are some of the Dispute reference numbers that I have been provided by Goldman Sachs for the same recurring dispute. 

Dispute IDs/ Reference Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX  XXXX XXXX Reported me as a 30 days past due to all XXXX credit bureaus for the month of XX/XX/2024. Which is not true as I had refinanced and the new mortgage company got a loan payoff from XXXX XXXX XXXX XXXX, and they forwarded the monies to XXXX XXXX XXXXXXXX XXXX on XX/XX/2024. When I called in to speak to their representatives, XXXX, XXXX, XXXX and XXXX, they all agreed and confirmed that XXXX XXXX XXXX XXXX  did in fact received the full amount due on XX/XX/2024 and the account was paid in full and closed.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX Reported me as a 30 days past due to all XXXX credit bureaus for the month of XX/XX/2024. Which is not true as I had refinanced and the new mortgage company got a loan payoff from XXXX XXXX XXXX XXXX, and they forwarded the monies to XXXX XXXX XXXXXXXX XXXX on XX/XX/2024. When I called in to speak to their representatives, XXXX, XXXX, XXXX and XXXX, they all agreed and confirmed that All In Credit Union did in fact received the full amount due on XX/XX/2024 and the account was paid in full and closed.

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