vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
In XX/XX/XXXX I called Navy Federal Credit Union for assistance I was no longer able to pay my bills due to being diagnosed with XXXX and losing my job. They at that time gave me a lower interest rate on both the credits cards with them one ending in # XXXX and the other one # XXXX for what I thought was for 24 months cutting the minimum payments down to half. The one ending # XXXX was {$79.00} a month and the other one ending in # XXXX was like {$55.00}. In XX/XX/XXXX I went to pay the minimum per usual and noticed that the minimum monthly payments doubled card ending in # XXXX was {$150.00} and the other one ending in # XXXX went up to {$99.00}. I still made the minimum payment that I usually make the {$79.00} and the $ XXXX.I called Navy Federal Credit Union on XX/XX/XXXX to see why the increase happened at that time I was told my deferral had expired. I explained my situation and explained that those payments was too steep. They told me to go to navyfederal/pfi. I immediately submitted the application. I kept messing calls from Navy Federal during the day being a XXXX XXXX XXXX. I finally call and get someone and request that I be contacted after XXXX XXXX  CST, however my rep was still reaching out even after that. I believe it was XX/XX/XXXX I finally spoke to my rep and she set up the deferment for 12 months on both my credit cards and my car loan. She said I don't have to pay nothing on my card ending in # XXXX and my car loan until XXXX and my card ending in # XXXX had to be paid on XX/XX/XXXX of {$50.00}. Now I was excited some of the pressure is received. Since that my credit score has dropped I had 2 alerts that Navy Federal is reporting me 30 days late. Called in and spoke to 3 different supervisor to say that they didn't mark me late to one saying just dispute it. Please look at the fact that I wasn't irresponsible that I tried to clear the matter up before it was too late. On top of that I paid on time consistently up until the minimum payment went up. They customer service is horrible all they reps act like you're less than because you can't pay your bills. I need for my score not to be effected so I can get another car. I currently pay a car note on a car that keeps breaking down on me. With the 50 points that my credit score just plummet I can get a wad of gum on credit. Please review the attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
EQUIFAX -- I have a credit freeze which i placed in XX/XX/2019. I attempted to lift the freeze in XXXX, but the online portal would not let me do so. Said to call in, so I do and it says to go online and try there ... which sends me back to calling. And in all this, I CAN NOT get to a live person. No one calls back. I put in for a call back in XXXX at least once or twice, nothing. I need my freeze temporarily lifted and I do not know why Equifax can not have a live person somewhere available on a call ( that can help with FREEZES ), or get a call back. This is completely ridiculous. I froze my credit to keep me safe, not to make it difficult to ever use my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received my bill in the mail, and noticed I had a total payment due of XXXX, and my payment is XXXX a month. I had medical issues and did fall behind on my payment. I did miss a payment in XXXX, and XXXX, as well as XXXX. They took a payment out for XX/XX/XXXX, they have taken one out for XX/XX/XXXX, and have another to come out on XX/XX/XXXX, which is post dated, and comes out automatically. I was not sent a letter saying that i was in recovery, until i called tonight to see why my whole minimum payment is XXXX. They have my email on file and phone number, I realize my two payments are late, but there is no way I can afford XXXX, nor have they informed if my account will be charged off. I would like to work out a plan with them, Customers should be informed in writing.

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 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Nordstrom sold the debt to XXXX XXXX XXXX per XXXX XXXX  On a recorded line they have now sold it to XXXX XXXX XXXX and XXXX XXXX XXXX is unreachable and therefore unverifiable. The only person reporting the debt to the credit bureaus is Nordstrom. This needs to be removed immediately as I can not make a payment to Nordstrom and XXXX   XXXX  is in fact unreachable and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
I recently moved to XXXX XXXX  from XXXX and noticed there were several accounts on my credit report that do not belong to me. I am currently in the process of trying to purchase a home and this is holding up the process the following accounts are listed below : 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 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, US DEPT OF ED/XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have 3 PayPal loans. One of them ( it turns out ) is with Synchrony Bank. I've had challenges with PayPal in general ... and they all seem to have to do with my e-mail address. I've been called repeatedly about this Synchrony Bank account ... and I've explained on numerous occasions that I can not get into my account. They want me just to pay ( without seeing an invoice ) ... I'm unwilling to do this. There are so many things that have occurred that are just so scam-like. You can not reach a supervisor ( customer " service '' personnel refuse to transfer you ). This bank has an impressive Board of Directors, but so did XXXX! Honestly, I believe this is a total scam. I can't get the information from them. Can't escalate this ... what is a consumer to do??? I'm happy to pay my debts ... just want access to the account on which I'm paying.

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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: OH

Complaint narrative:
XX/XX/2020 I called XXXX ( the local gas company ) to settle an account I had with them that they sold to a collection agency in the amount of {$280.00}. I paid XXXX in full. I asked the rep what should I do to get the collection account removed from my credit report since I paid the ORIGINAL CREDITOR and she told me to call the collection agency and let them know that I paid them and it was no longer a valid debt for them to attempt to collect on so they could remove the collection account from my credit reports. When I called Penn Credit Corp to let them know what the rep from XXXX said, they told me they could only update is as paid in full. I NEVER paid Penn Credit Corporation and I am fully aware that under the FCRA AND FDCPA that my rights as a consumer have been violated. Them reporting that I paid them in full for the collection account is reporting inaccurate information because I NEVER paid them any money at all nor will they have any record of the payment in their payment processor. I am requesting that this inaccurately reporting collection account be completely removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Performant Financial Corporation
State: LA

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to Performant Recovery Inc. disputing the companys assertion ( by letter dated XX/XX/XXXX ) that I owed {$710.00} on an unspecified student loan from the late XXXX, when I was enrolled in XXXX school. I had only two student loans throughout my 18-month tenure in XXXX school,  both of which were paid in full by XXXX. 
I sent a certified letter on XX/XX/XXXX, disputing the debt and demanding that within 30 days, the company send to me the following items : 1. The name and address of the original creditor ( The original creditor was NOT XXXX XXXX XXXX XXXX.. XXXX  was a debt collection agency that bought the debt from the original lending authority, which neither company has ever disclosed. ) 2. The signed loan documents and account number associated with the debt ; 3. A copy of the last billing statement sent by the original creditor ; 4. Documentation from the original creditor noting default, amount owed at the default, and the date and amount of any payment or credit applied after default.

Not only did Performant Recovery never provide me with any of the documentation I requested as proof of default on a 30-year-old student loan, but also the company did not respond within the allotted 30 days. In fact, the company did not respond at all, yet, somehow garnished my federal income tax return this year and took {$600.00} from me that, according to the Fair Debt Collection Practices Act, is not legally due the company. If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, which I did, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Verification should include at a minimum the amount owed and the name and address of the original creditor. None of this information was provided to me. The company can not legally garnish a citizens tax return without proof of the debt. This is egregious behavior and in violation of the law. 
Sincerely, 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 2020-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX I called XXXX XXXX XXXX XXXX for assistance I was no longer able to pay my bills due to being diagnosed with XXXX and losing my job. They at that time gave me a lower interest rate on both the credits cards with them one ending in # XXXX and the other one # XXXX for what I thought was for 24 months cutting the minimum payments down to half. The one ending # XXXX was {$79.00} a month and the other one ending in # XXXX was like {$55.00}. In XX/XX/XXXX I went to pay the minimum per usual and noticed that the minimum monthly payments doubled card ending in # XXXX was {$150.00} and the other one ending in # XXXX went up to {$99.00}. I still made the minimum payment that I usually make the {$79.00} and the $ XXXX.I called XXXX XXXX XXXX XXXX on XX/XX/XXXX to see why the increase happened at that time I was told my deferral had expired. I explained my situation and explained that those payments was too steep. They told me to go to XXXX/XXXX. I immediately submitted the application. I kept messing calls from XXXX XXXX during the day being a XXXX XXXX XXXX. I finally call and get someone and request that I be contacted after XXXX XXXX  CST, however my rep was still reaching out even after that. I believe it was XX/XX/XXXX I finally spoke to my rep and she set up the deferment for 12 months on both my credit cards and my car loan. She said I don't have to pay nothing on my card ending in # XXXX and my car loan until XXXX and my card ending in # XXXX had to be paid on XX/XX/XXXX of {$50.00}. Now I was excited some of the pressure is received. Since that my credit score has dropped I had 2 alerts that XXXX XXXX is reporting me 30 days late. Called in and spoke to 3 different supervisor to say that they didn't mark me late to one saying just dispute it. Please look at the fact that I wasn't irresponsible that I tried to clear the matter up before it was too late. On top of that I paid on time consistently up until the minimum payment went up. They customer service is horrible all they reps act like you're less than because you can't pay your bills. I need for my score not to be effected so I can get another car. I currently pay a car note on a car that keeps breaking down on me. With the 50 points that my credit score just plummet I can get a wad of gum on credit. Please review the attachments.

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 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has to do a better job of contacting it's most Veteran customers who suffer from XXXX and other issue. For example XXXX XXXX calls their customers. On the eve of the worst Pandemic of my life time USAA decided to side on the side of its Ticket Broker associates XXXX over it's own long term customer of approximately 8 years. I purchased my tickets using a USAA debit card XX/XX/2020 from XXXX  for the amount of {$280.00}. I had entertained the idea of selling my tickets and on a XXXX search XXXX appeared. There website requested a Card in which to make a deposit. Almost 3 days before and the day of when I was awoken by a ticket broker I declined to sale my ticket and attended the event. Sometimes after the event approximately 30 days after my purchase XXXX debited my account {$280.00} and an additional {$200.00}. USAA does not have an email to send documents instead yout are directed to upload documents on an App that does not work. Based on there location, I can assume that my Ethnic sounding name and that the show was headlined by XXXX XXXX was all that they took into consideration when debiting my account without a phone call ot text which is standardized communication. The Coronavirus and my inability to access funds has severely taken me into a depressed state that saddens me. I would like my funds today so that I can buy diapers, tissues, water, and food. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Fax # XXXX ATTN : Debit Card XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Transaction date XX/XX/2020 for {$220.00} I want to dispute this transaction because after the seller sent me a bill for {$220.00} via XXXX and I paid it. The seller stated that XXXX isnt releasing the money until I receive the product and he wanted me to go on the website and lie and state that I received the merchandise. I told him no. I called XXXX on a 3-way with the seller after they verified him he requested that they send me the money back they stated that they couldnt Ill have to say that I received the merchandise, I told them the same thing I told the seller No. The seller hung up and I called Citibank on 3-way with XXXX and the rep from XXXX told the dispute rep from Citibank what happened. At that time rep from Citibank told me do not say I received the merchandise and theyll place a dispute on my behalf. I was told I would be given a provisional credit. Its now day 9 I havent received a provisional credit nor the merchandise. I need my money back ASAP. Every time I have to dispute with Citibank its like pulling teeth. Clearly they know Im not lying as they spoke to XXXX on a recorded line. Please listen to the call.

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 2020-03-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX disputing the companys assertion ( by letter dated XX/XX/XXXX ) that I owed {$710.00} on an unspecified student loan from the late XXXX, when I was enrolled in XXXX school. I had only two student loans throughout my 18-month tenure in XXXX school,  both of which were paid in full by XXXX. 
I sent a certified letter on XX/XX/XXXX, disputing the debt and demanding that within 30 days, the company send to me the following items : 1. The name and address of the original creditor ( The original creditor was NOT Educational Credit Management Corp.. ECMC was a debt collection agency that bought the debt from the original lending authority, which neither company has ever disclosed. ) 2. The signed loan documents and account number associated with the debt ; 3. A copy of the last billing statement sent by the original creditor ; 4. Documentation from the original creditor noting default, amount owed at the default, and the date and amount of any payment or credit applied after default. 
Not only did XXXX XXXX never provide me with any of the documentation I requested as proof of default on a 30-year-old student loan, but also the company did not respond within the allotted 30 days. In fact, the company did not respond at all, yet, somehow garnished my federal income tax return this year and took {$600.00} from me that, according to the Fair Debt Collection Practices Act, is not legally due the company. If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, which I did, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Verification should include at a minimum the amount owed and the name and address of the original creditor. None of this information was provided to me. The company can not legally garnish a citizens tax return without proof of the debt. This is egregious behavior and in violation of the law. 
Sincerely, 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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$730.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$730.00} -This is not my account.

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