vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XX/XX/22 I was pre-approved for XXXX used automobile By Navy Federal credit union and was denied credit 3days later, as well is unable to supply specific reasons why they denied credit. Disputed cfpb complaint. 
I would quote the equal credit opportunity act and 15 USC 1691 ( a ) ( 3 ), u came in good faith and exercised your right by doing the application which is really a CCT and they discriminated again you by sending a adverse action ( denial ). I would also state they violated you because you did not give them consent to contact a third party to make any decisions. Per the privacy Act. I would definitely reiterate that it is unauthorized use of your social security number since you received no benefit and that puts them as non- compliant pursuant to 15 U.S. C. 1681n, or negligent non-compliance, 15 U.S.C . 1681o. Claims of willful non-compliance carry possible statutory damages of {$100.00} to {$1000.00} per violation, attorneys ' fees, and unlimited punitive damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-16 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-16 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
On XXXX  my application with Dovenmuehle Mortgage Inc Loss Mitigation was accepted as complete. Under the Dual Tracking Law I was now under protection and in forbearance. Dovenmuehle submitted foreclosure status on XX/XX/XXXX and then again on XXXX  to XXXX . This was illegal. I disputed it on XX/XX/XXXX with XXXX and notified that the dispute was processed. The company, XXXX ( XXXX XXXX ), reported the information was " certified to XXXX and correct. That the information is accurate. '' The information is NOT accurate, XXXX won't help me, and now XXXX has not helped me. I became XXXX in XXXX and have to live off of SS XXXX, and my excellent credit is ruined. Down by XXXX points. How can I rebuild that if I can no longer work? I was fraudulently reported by XXXX. I have paperwork from XXXX that affirms I am under loss mitigation protected status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I submitted a CFPB complaint ( XXXX ) due to not receiving a promotional offer from CitiBank. As per the company 's response, CitiBank promised to provide a statement credit of {$300.00} within XXXX business days. I did not receive the credit after XXXX business days so I contacted CitiBank via email, who responded saying it would take them XXXX  days to even investigate and respond to my inquiry. I was unable to contact them via the phone number they provided. The case should not have been closed until after I received the promised resolution. The company did not do what they said they would in their response.

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 2022-12-16 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: AL

Complaint narrative:
Upon obtaining a copy of my Equifax credit report, I noticed that there is an inquiry from an unknown source. This inquiry is one of nature that i did not initiate. I contacted Equifax on XX/XX/2022 to start a dispute or speak with a fraud representative. The agent that i spoke with XXXX stated that she could confirm that no account from this company has been open or reported on my credit report and that the only to have this inquiry investigated and removed was to submit a complaint or obtain a police report. I am submitting a formal written complaint as of XX/XX/2022 asking that Equifax begin an investigation into the inquiry that is reported on my credit report and to please remove this inquiry because it does not belong to me nor have I asked for any credit from this company. The inquiry in question is as followed : Inquiry : XXXX - Inquiry Date : XXXX Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
I am a victim of identity theft. FREEDOM PLUS aka XXXX XXXX XXXX is reporting to credit reporting agencies an account that I did not initiate as I have never made any business transaction ( s ) with this company. Attached is my Affadavit Of Fact & Identity Theft report validating my position & I offer an Affadavit of Fact in rebuttal to be signed by FREEDOM PLUS/XXXX XXXX XXXX that rebuts my position. 
While the burden of proof lies with FREEDOM PLUS/XXXX XXXX XXXX I am willing to pay any amount owed plus 75 % interest upon FREEDOM PLUS/XXXX XXXX XXXX presenting a verified ( sworn under oath ) statement attesting to the validity of a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously counted my qualifying payments. According to their website, every month has counted as qualifying for XXXX between XX/XX/XXXX and XX/XX/XXXX which is XXXX, however they only list XXXX in my qualifying payments. Additionally, My consolidation loan was disbursed in XXXX, however no payments were counted prior to XXXX According to my student aid data, the loans were in grace from XXXX through XXXX, however grace is only six months and is not available for consolidation loans, therefore they should be considered in repayment and counting from XXXX since 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 2022-12-16 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 non-monetary relief
Consumer complaint received 2022-12-16 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have sent LVNV FUNDING LLC certified letter asking for verification of the negative account they are reporting they were not able to validate the account Im asking account to be removed because its stopping me from get my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Commenity Bank who who finances the XXXX XXXX is making repeated calls, upwards of XXXX in a single day. They are also calling before XXXX and after XXXX XXXX CST at night.T harassing calls are continuing. 
The most recent calls coming in dated ( I have submitted some screenshots ) to support my position XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX They are interrupting me at work, and I work in the field working with large machinery. This is causing distraction and potential for mistakes on my job to the extent that lives could be lost. 

I set up a payment plan in XXXX of XXXX for XXXX each month on a forgivenss program and to straighten out my credit. They continually lose the information. 

The keep calling and asking for more information, new bank account numbers etc. They have admitted while on the phone that I am on a payment plan but that does not stop them from calling. I have a new plan set up for the same amount. These transactions are listed below. 

The payments have been made to Commenity Bank on the following dates. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I can provide bank records for this too but you state not to include personal info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
Ref : XXXX - I sent a simple transfer 0f {$1200.00}. via Moneygram to XXXX, to a personal Debit Card at XXXX XXXX. The money has been in transit for XXXX days when it should have taken no more than XXXX day. When I call Moneygram Customer Service to find out what happened, they tell me they are checking and investigating will take XXXX DAYS!!!!!!!! RIDICULOUS. We use their service for urgent, fast transfers. When there is a problem, they should be able to get back to us within XXXX - XXXX hours. MONEYGRAM HAS LOST MY MONEY!!!!!!!!!! 

I urgently need the money to be received by the receiver OR return the money to me!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-16 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
On XX/XX/, my identity was stolen to open a credit card with XXXX XXXX. A credit inquiry was made on my credit report which is how I found out. I contacted XXXX regarding the fraudulent credit inquiry and the fraudulent opening of a credit card in my name and requested it be closed. XXXX XXXX indicated they have closed the account. 
I wish my credit report be cleaned of this fraudulent inquiry.

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I had an American Express card that I closed on XX/XX/2022. When closing the account my balance was {$0.00}. A month later I got a statement from American Express with a balance of {$150.00}. They said it was a charge back for a promo given to me many months before. I explained to them that I was not told anything about that and definitely wasn't told I would be charged {$150.00} if I closed the account. As a matter of fact the customer service representative that closed my account read to me on the phone a lengthy disclosure statement and never mentioned my closing the account will trigger a {$150.00} charge. I made numerous lengthy attempts both on the phone and on chat ( transcripts are available ) with the company to sort this out. I was told not to worry, and it will be taken care of but it takes 6-8 weeks. I waited for that meanwhile they continued to charge me late payment fees and finance charges. As of now I have a bill of {$260.00} on an account I closed with {$0.00} balance and I have not made any purchases. Please help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Placed for collectionsXXXX Date updated : XX/XX/2020 Amt : {$870.00} Disputed : XX/XX/2020 XXXX : File # XXXX, dated XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Placed for collections : XX/XX/2020 Date updated : XX/XX/2020 XXXX Amt : {$870.00} XXXX Credit Reporting Agency : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct Name : XXXX XXXX XXXX # XXXX XXXX : {$870.00} Disputed on XX/XX/202XXXX XXXX # XXXX On XX/XX/2020XXXX XXXX XXXX  XXXX, sent a letter of collections on the same XXXX account of {$870.00} offering to settle for XXXX XXXX of the outstanding balance or {$690.00}. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX Mail to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX After disputing a collections account to both, XXXX and XXXX Credit Reporting Agencies, I received a response from XXXX XXXX XXXX XXXX, stating : " This debt is valid, attached is verification of the debt. 

Note : A partial bill encloses with the above response incorrectly states that the date of billing is XX/XX/XXXX- XX/XX/2020. As provided above, this debt collection goes beyond the XX/XX/2020 date as this debt collection had been in dispute before that above mentioned date. So the dates provided in XXXX XXXX is in error and should be removed on that standing alone. 

The amounts provided by XXXX are also in error, stating an amount of {$870.00} and not the original amount as provided in all of the above documented items. 

i am compelled to believe that XXXX XXXX is generating documents that have been fabricated and are falsified. 

I am a XXXX year old man with a XXXX XXXX, XXXX and XXXX XXXX XXXX on continued medication. I do not need to be focusing on continued deceptive debt collection practices. 

The response received from the debt collector appears to be fabricated, Dates are incorrect. No signature of contract. 

Please see if you can help me out on this matter. I am available at the below indicated cell phone number or at ( XXXX ) XXXX. My email is : 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 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Hello I have had an issue where my wallets is lost or stolen and my cards was used without my knowledge to purchase items at an XXXX XXXX. I really dont understand how someone can use my actually card with the pin. I talk this situation with Robinhood and nothing was done about this transaction issue. This is unauthorized transaction and this is a very urgent matter I need my hard earn money. There was XXXX XXXX transactions in the amount of {$1900.00} also in the amount {$2600.00} and last unauthorized transactions are {$2900.00} from Robinhood

Company response to consumer: Closed with explanation