vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, XXXX and XXXX XXXX was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Wednesday XX/XX/2021 at approximately XXXX, I received this text message which I DON'T have a BofA prepaid card : " Bank of America EDD Debit Card Alert : Your Bank of America EDD Prepaid Debit Card has been temporary suspended. Please click the link below to re-activate your Bank of America EDD Prepaid Card to continue using.

XXXX XXXX XXXX. '' This message was texted to 5 other telephone numbers. This is not the first time I have received such text messages and in most cases I deleted them.

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 2021-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX did not address that when they took over the account from Navinet they added {$74000.00} to the amount Navinet had as last balance ( {$86000.00} + {$65000.00} on XX/XX/XXXX ) and they also did not address that they have charged interest on the subsidized loan. In fact its not clear if the consolidation ever kept the subsidized portion as subsidized in the first place. I was on XXXX and signed to have the loans consolidated and both these companies put massive amounts on top of my loan. At the time I was very ill and put on SSD ( XXXX from XXXX to XXXX ). I was given option to consolidate to give more time and didn't realize the amounts were so much more then I actually borrowed due to exurbanite fees put on by consolidation. The full transaction histories are included as attachments here. While I was on XXXX the only relief they offered was to give forbearance and deferments although I have learned that during the time I was XXXX I could have had these loans forgiven. Navinet also put {$26000.00} onto the total when they consolidated the disbursements which totaled {$120000.00} on XX/XX/XXXX. Navinet is unresponsive as they no longer hold the loans and just send me the same information I already have from the federal student loan site. I still do not see how my totals legitimately increased by a fee of {$26000.00} when consolidating with Navinet  from the {$120000.00} ( XX/XX/XXXX ) owed in individual loans and then again another {$74000.00} when consolidated from Navinet to XXXX from {$150000.00} ( {$86000.00} + {$65000.00} ) to {$220000.00} XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FISERV FINXACT CORE
State: AR

Complaint narrative:
I went to cash a check it was declined by telecheck I called them they said my DL was linked to some bad checks that were wrote on my account in XX/XX/XXXX& XX/XX/XXXXI told them that was impossible I was locked up in prison from XX/XX/XXXX-XX/XX/XXXXI sent the paperwork over several times they still havent updated my file I still cant write a check they told me I had to pay them before it would be removed and I can write a check I am not paying for something I didnt do. I have been hung up on they lie they refuse to help me and do their job. Something needs to be done with this company its sad and horrible. At this point I dont know what to do I cant get any help. Please help me I have nothing all my money is in my checking account I cant draw on because the block.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC
State: MN

Complaint narrative:
I have tryed to call with no avail getting a answering service. 
Im getting the run-around pushing this pushing that button. I'm trying to dispute something on my credit. I have documents and it will not let me upload them, I don't know what to do. 
I don't know what to do otherwise, this company has offered me a settlement and now it shows that they're still charging me a XXXX. I have worked very hard to get my credit back to where I need it, we have took out a second mortgage on our home to pay off all of our debts. Our lender worked very hard for us our find all of our debts. This particular charge was not anywhere to be found at the time which would have been last XXXX, I did not get any papers in the mail as I have lived in XXXX XXXX since XXXX. I have also gotten remarried since XXXX. My name changed from XXXX to XXXX. 
When I did see this debt on there I was totally shocked, that's why I said I had no knowledge of it when I did end up calling a company they told me what it was it was something I had actually co-signed on for somebody several years ago so I had completely forgot about. Had I known I would have taken care of it along with the refinance. 
Also talking to the company they said they had sent something out to my email which I hadn't gotten, she said it may have went to my spam. So I did end up making a settlement with the company and arrangements for payments for XXXX. I did check my spam mail and I found the emails they did offer me a settlements in the emails which was actually less than I settled for when I talk to them. I am now paid off from them but the balance is still showing I owe and derogatory, I would appreciate it if you could please look into this as I have worked very hard to get my credit clean. I also have one for XXXX XXXX  that should not be on there that was paid that they posted and look into it should have came off because that was paid with our home loan and I was wondering if they could please take that off. I'm not sure if I'm emailing this to the right Department but if you could please help me direct it to the right Department I'm going to try to send the document that I have because I'm at a loss I have no clue where to go or how to get help where supposed to go this company is of no help. 
Thank you I would very much appreciate it. 

Nelson Cruz and Associates their reference # XXXX XXXX XXXX  report # XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX Sent from the all new XXXX XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
My balance was paid in full On XX/XX/2021. My confirmation number is XXXX. I paid a total of {$1200.00} which was a 20 % discount for paying in full. I have contacted Medicredit with no help. I have also disputed this with you guys with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
I received a call on XX/XX/2021 from a lady with XXXX asking me if I could provide my information to obtain a quote. I told her that I would call back when I was ready because I'm in the middle of a new car purchase. On XX/XX/2021, the same lady called me back and asked if I was ready to purchase XXXX insurance, and I told her no and that I have insurance so I wouldn't consider switching for another 30 days after I complete my new car purchase. On XX/XX/2021, I received a Fair Credit Reporting notice reflecting XXXX ran my credit. I didn't give permission for this to occur and feel violated. I know XXXX doesn't have the right to run my information without my permission and that is what happened. I have tried calling them, and no one knows what to do or say to resolve the issue so I need to file a formal complaint because they are 100 % in violation and cause an inquiry that I can't have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of identity theft these have been rough times for me and my family. We have just been able to move in our new home, they did a soft pull on my credit and revealed that I have unauthorized items that I shouldnt be responsible for

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 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
First, XXXX $ was withdrawn from my savings account by Coinbase, without authorization on XX/XX/XXXX ( XXXX ) and XXXX ( XXXX ). I never received any confirmation or contact from Coinbase and I didnt authorize. I submitted a case number and complaint to Coinbase. They said theyd investigate and get back to me. I have not heard from them. My bank recovered and resolved my fraud claim. Then, on XX/XX/XXXX, XXXX $ was removed and disappeared from my account w Coinbase. Again, no confirmation or contact was made to authorize this. I didnt authorize this. I contacted Coinbase via email/online complaint form. I also called their phone number provided but the call hung up after pressing an option. There is no customer service via phone available..only email. Have not heard back. Their standard response is under review. There is no progress update, details relating to any emails sent, estimated time, phone contact though Ive requested it. They also lock the account at various times and make accessing the funds impossible. 

There are transactions listed that were not made. Later those transaction history disappears. Ive received an email stating funds were recovered but no other info given. The emails provide nothing but blanket statements that they resend over and over. There is no phone support. 

There was XXXX dollars remaining in that account. I sold my holding for that amount bc I worried about that loss. I was sent 2 confirmation emails for this transaction. As of yet, that money hasnt been moved into my banking account. Its supposed to happen in 1-3 business days. It hasnt happened and I have no way to redress any of this with them. 

i have been researching Coinbase recently and see there is widespread fraud via news articles, posts on XXXX, XXXX. 

this needs to be investigated. There is nothing preventing Coinbase itself from stealing these funds. 

I have submitted this information with the SEC. they recommended contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on NAVY FCU. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. These are the lists of derogatory accounts that are still reporting on my Credit Reports : NAVY FCU-XXXX-Balance {$6400.00} NAVY FCU-XXXX-Balance {$2200.00} NAVY FCU-XXXX-Balance {$6400.00} NAVY FCU-XXXX-Balance {$2200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I purchase a boat in XX/XX/XXXXand Financed it through XXXX XXXX  in XXXX, WI. The loan was paid off on time. The WI XXXX still shows a Lien. The XXXX  shows the institution to be XXXX XXXX XXXX XXXX XXXX in XXXX WI. I called the bank several times, there was never an answer and each time I left a message. I traveled to XXXX and found the address belonged to a Theater. I contacted the FDIC and they traced XXXX XXXX  through several mergers to BMO. I contacted BMO and was transferred to several different people in their records divisions. The last stated that for records that old I need to contact XXXX XXXX. I contacted them and they stated they only have car loans and not boat loans and directed me back to the FDIC. The FDIC then directed me to you.

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 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I sent a letter regarding the validity of the accounts with Amerifinancial reporting on my credit report. The account numbers are XXXX for {$1100.00} acct number XXXX {$1100.00} and account # XXXX for {$760.00} first and foremost Im noticing that this collection agency reported the same accounts twice their double billing me for {$1100.00} for medical services I never had perform I tried reaching out to them directly Ive attach my return receipt letter was sent by certified mail on XX/XX/21 and I havent receive a response its pass 30 days Im requesting removal certified receipt # XXXX and theres no reason for anyone with the company to say they never received this letter as stated before it was signed for

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 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Told me I had one account in legal for {$500.00} and another account with them for {$1200.00}. Would not accept payment plan less than {$500.00} per month. Stated that only the {$500.00} was priority that if I paid that they would transfer the {$1200.00} out of legal ( where I could get a better payment plan ). I paid the {$500.00} and they refused to transfer the {$1200.00} out of legal and refused my offer to pay off the debt via a payment plan I could afford ( I even offered automatic payment ). They got my {$500.00} by lying to me about the {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: GA

Complaint narrative:
I HAVE BEEN WAITING FOR EQUIFAX TO REMOVE A COLLECTION ACCOUNT FOR TWO WEEKS NOW. HOW LONG DO I HAVE TO WAIT WHILE EQUIFAX TELLS THIS GOVT AGENCY THAT THEY ARE WORKING ON IT. JUST TO REMOVE THE XXXX COLLECTION WITH THE FLIP OF A SWITCH. TO STATE THEY ARE DOING REASERCH IS BULLSHIT.. HOW LONG WILL EFPB CONTINUE TO ACCEPT THIS LOUSY EXCUSE FROM EQUIFAX. IF A CFPB AGENT WERE THE VICTIM IT WOULD BE A DIFFERENT STORY. MAYBE TO COZY WITH LYING EQUIFAX. I GUESS.EQUIFAX IS A DISGRACE AND SHOULD BE DISLOLVED. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On approximately XXXX, i bought a XXXX  XXXX console from XXXX-XXXX, using Paypal credit , synchrony bank. Vendor is a scammer, he shipped an item to my neighbor. It was not addressed to me and was not sent to my address. Vendor claimed item was shipped to ME, printed my name and address on an invoice and submitted that forged invoice as well as Real shipping tracking number from united states postal service. Excellent news for me, as this was the proof used by him to, paypal. I used that shipping number, went to usps, got the print out, faxed that usps tracking report to paypal as my evidence that no item was shipped to my address. 
Here is where synchrony bank is perpetuating the scam, and providing the scammer with easy victims. They accept his usps tracking number as evidence for the vendor, to claim a charge against the consumer, but that same exact evidence can not be used by the consumer ( because they will not or do not as a corporation, verify tracking ). How is it legal to claim an item was shipped to the consumer, yet the evidence proves it was not, BUT its not their responsibility to verify the validity of a tracking number, although they have no issues with it as proof of a shipment? They insist i return the item shipped, again not to my address, my neighbors. The item shipped has been turned over to the usps inspector in XXXX, arizona. Not that it matters that the fraudulent item is now in the hands of the us govt ( USPS ), paypal thinks i need to pay for an item NOT shipped to me, and their own merchant provided the usps tracking number. Paypal credit synchrony bank, tracking XXXX. Vendor was reported to ftc and XXXX XXXX, and has since changed his website name, and opened a new LLC for it. Dispute amount is XXXX. Many interest charges as well as accounting errors have fluctuated the amount. Consumer name under paypal credit account is XXXX XXXX. Scammer is XXXX XXXX. XXXX using unfair trade practices to include the perpetuation of the fraud, is synchrony bank, paypal. They do NOT verify shipping tracking numbers used to defraud customers.

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 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BANK OF AMERICA IS CHARGING ONGOING FEE 'S AND LATE CHARGES AND WILL NOT WORK WITH ME FOR FINANCIAL ASSISTANCE. I HAVE BEEN SICK SINCE XX/XX/2021 AND I HAVE CALLED TO STOP THE BLEEDING. THEY ARE CHARGING ME AN ABSURD AMOUNT OF OVER {$220.00} A MONTH. I HAVE CALLED AND CALLED AND THEY REFUSE TO HELP ME IN COLLECTION, MOREOVER THEY ARE DOUBLE CHARGING ME ON ALL OF THESE FEES. THE ACCOUNT IS 6 MONTHS PAST DUE. THEY RESET THE ACCOUNT TO REFLECT IT ; S 2 MONTHS OLD.

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 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation