vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX and Experian Scheduled payment amount reported by XXXX and Experian is incorrect and according to FCRA should be corrected and updated. I have documented proof but XXXX and Experian will not allow me to upload the documents online. XXXX and Experian is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and XXXX and Experian refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving EXPERIAN AND XXXX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at XXXX and Experian even though they used to show the correct amount

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 2021-10-24 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: NY

Complaint narrative:
I am a consumer and member that have been taken advantage of by Navy Federal Credit Union with their illegal practices of banking policies and procedures. This all started when I noticed I had an overdraft/ insufficient funds on my account. Due to this overdraft/insufficient funds my account was restricted where I was not able to make online deposits as well as barred for 7 years from opening a business account. Most recently NFCU has been transferring from my checking account or savings account to credit cards and loans without my authorization. These unauthorized transfers caused vendors to not get paid and cause me an adverse action by services being cut off or charged fees for insufficient funds. The most recent transaction was a deposit of money order to checking account of {$200.00} and some cents and {$180.00} and some cents were transfered by NFCU without my consent and authorization. This action is going to cause a vendor I made arrangements to pay {$110.00} and some cents to not be paid. Furthermore I was not given proper notice and full disclosure in regards to these accounts. I called NFCU prior to this transfer and I was told that they are allowed to go in my checking and savings account to put towards accounts past due/ owed. This is not right and violations on so many levels. I would like all funds taken to be returned and because of non compliance to federal laws of Truth In Lending Act, Equal Credit Opportunity Act, Electronic Funds Transfer Act, Fair Debt Collection Practices Act, all contracts are null and void.

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 2021-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Here is the complaint I submitted to PayPal  and their response : Hi! I'm your PayPal Assistant. To get started, simply ask me a question.

I am still learning, so if I can't help you, I'll direct you to additional resources. 
XXXX XXXX - PayPal Assistant Pay in 4 messages XXXX XXXX Are you contacting us about this topic : Pay in installments? 
XXXX XXXX - PayPal Assistant Yes XXXX XXXX I found some articles in our Help Center that might help you. Check them out! If you need more help, please rephrase your question or type need more help ''. 

What is Pay in 4? 
Questions about Pay in 4 repayments How do I send money? 
XXXX XXXX - PayPal Assistant Need more help XXXX XXXX Would you like to send this conversation to a customer support agent? We typically respond within a few hours. 
XXXX XXXX - PayPal Assistant XXXX XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. 
XXXX XXXX - PayPal Assistant Your file has been uploaded. 

XXXX ... XXXX / XXXX I received this text before XXXX XXXX. This is not acceptable. Adjust the system to message me between XXXX cst XXXX XXXX MA Hi XXXX, this is XXXX. I can see that you contacted us about the message you received. Id love to help you with that. 
I apologize as we currently have an issue about viewing documents you sent. 
Please tell me more about the text message you received. Send me a message if you need more help. I'll keep this thread open for you. 
XXXX XXXX - Ma XXXX XXXX are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. 

I received a payment reminder at XXXX cst. That is a problem. Fix the system to send messages during the government specific times. 
XXXX XXXX ME I hope you are having beautiful day today. I certainly understand your concern. I am here to check and provide various options to get this done and thanks for taking your valuable time to reach us. 
This is in response to your message XXXX. So sorry for the inconvenience that this message has caused you. During the time that you added your phone you have agreed to receive text messages from PayPal regarding your account. Just to inform that PayPal operates 24 hours and we don '' t have the control over the system. 
Thank you for contacting PayPal and for being a valued customer. Im glad I was able to answer all your questions. You may close the conversation by selecting End Message or by clicking " x ''. 
XXXX XXXX - 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 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I initially became involved with Freedom Debt Relief when I received a advertisement in the mail for a " personal loan '' upto $ XXXX to consolidate all my debts. When I went online to apply, it said that I had to call in and speak with someone for next steps. When I called in I was advised that I did not qualify for it and that they had a program to settle the debt. They also led me to believe that when the debt gets older it is easier for them to settle the debt. They kept pushing settlements off, and then I started getting letters from an attorney, I did everything they told me, I uploaded all the docs, I kept all my payments on time, then I got served legal papers. I found out that they never had the attorney reach to the attorney who served me. Had they reached out earlier they could have prevented this. I found out that they had not reached out because they had wanted another {$270.00}, but no one told me that. I paid it right away, they made me contact the court for an extension, because no one there would do that. I filed for the extension and I was told that their attorney would now make contact. I get another notice that they attorney had filed for default, because no one contacted the, I called in, they said everything looked fine, and they had no idea why contact was not made. The CSR thought that maybe they wanted more money on the file, so I added more. I did not hear back from the suing attorney, so I thought we were on track. Now I received another letter that the attorney can not get ahold of FDR rep, and that I am again going in default. I know that FDR does not " Promise '' anything, but when they get the hook into you, they elude that they will help and be there for you. Everything is done though FDR, there is no way to contact the attorney and we do not have a contact there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/, I sent a letter regarding inaccurate and unknown items on my credit report. I have also continually called them via phone. But p until today, I have not received a response yet. I feel like I am being take advantage of and my dispute is being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress and embarrassment it has caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person. Additionally, I have asked all the credit bureaus to verify this Bankruptcy and they sent back a letter stating it was verified with the courts. I then asked the courts if they verified information and they sent me a letter stating that they in fact DO NOT verify information. I have asked all of the bureaus how did they verify the bankruptcy and they have failed to send me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Forgot to submit info from credit report of cap one reinsting an account that was discharged in bankruptcy in 2017, not sure why they r doing this,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servatus Corporation
State: TN

Complaint narrative:
In 2016 I opened a checking account with XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX was also listed on this amount. XXXX made 2 purchases at XXXX and the funds were not available. For 2-3 months, 2-3 times a week, XXXX  world try to get their payment, funds still not available, and XXXX charged me {$35.00} in overdraft fees each time even though they not once covered the actual payment. I disputed the original account and won, deleting it from my credit history. I have the pictures of that dispute if needed. So now they are going through a collections agency trying to collect the {$270.00}. I don't understand how the original account was removed from my credit report but now they are able/ allowed to go through a collections agency to try to collect that exact same debt that was already deleted. The name of the connecting agency is Credit Solutions Corp .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX  I opened an small business checking account with Kabbage by American Express. On the same day, I began the transfer of {$6000.00} to this new checking account. When I attempted to access my account on XX/XX/, to review the status of my transfer and to begin making additional deposits into the account, I was informed that the account " has been locked for security purposes '' and that this was " done to keep your account secure. To unlock your account, please contact us. '' I've attempted to contact this company on several occasions, beginning on XX/XX/XXXX, and through the weekend to XX/XX/XXXX, each time hearing a recorded message that - despite the company 's published customer service hours - customer service was unavailable and would be available the following day at XXXXXXXX XXXX XXXX ; the company, as of the time of this filing, has not reopened and therefore has been unable to unlock my account and provide me access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24 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: I.C. System, Inc.
State: NC

Complaint narrative:
I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way.

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 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
XXXX XXXX  The amount is XXXX I contacted the collection company letting the know that they ae reporting false information to the credit bureau.

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 2021-10-24 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: DataMax Corporation
State: NC

Complaint narrative:
I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: TX

Complaint narrative:
I have submitted multiple requests to remove the incorrect account reporting on my Experian Credit File, the last attempt was under claim # XXXX in XXXX, I disputed this information more than 2 times. XXXX XXXX  XXXX has upheld the decision meaning they are allowing someone else to use my SSN which is clearly a violation of my rights. The person on that account : XXXX XXXX XXXX Seems to have a similar name but that is not my name. 

I even tried to reach out to XXXX XXXX XXXX and they also failed to do anything. I spoke with a representative from their fraud department named XXXX on XX/XX/XXXX. 

Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Two issues : 1. misapplying funds allocated for escrow 2. reported late payments after agreeing to forebearance due to loss of income due to Covid 19 PHH mortgage I have made two payments marked to be allocated to my escrow balance. Both payments were applied to my principal balance. Futhermore, this company repeatedly fails to allocate funds as indicated by the mortgagee. 

In XXXX of XXXX, I called to report a loss of income to PHH due to temporary job loss due to Covid 19 related layoffs. PHH agreed to forgo payments for a period of time ( 6 months ) but reported my payments as 30 days past due in consecutive months XX/XX/XXXX  and XX/XX/ to the credit bureaus. I disputed with the credit bureaus but PHH did not correct the misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: IOWA MORTGAGE SOLUTIONS INC
State: IA

Complaint narrative:
XXXX XXXX - We started the process of getting a mortgage with Iowa Mortgage Solutions XXXX 

XX/XX/XXXX- We started looking for other companies as we were not making any progress on closing the loan with Iowa Mortgage Solutions. 

XX/XX/XXXX - Asked Iowa Mortgage Solutions not to order the appraisal as we started looking for other mortgages XXXX XX/XX/XXXX- We found a new mortgage company and started the process of getting a loan through them. 

XX/XX/XXXX - XXXX Iowa Mortgage solutions to remove all of our personal information and that we will not be continuing our loan through them. 

XX/XX/XXXX - Iowa Mortgage Solutions inquired on our credit using XXXX XXXX XXXX. I Spoke to XXXX XXXX and they confirmed that it was Iowa Mortgage Solutions that inquired on our credit. 

XX/XX/XXXX - Filled out the form that Iowa Mortgage Solutions needed to send to XXXX XXXX to remove these fraudulent inquiries. 

For 6 months I have been trying to get this inquiry off of my wife and my credit report. I have filled out a form from XXXX XXXX and given it to Iowa Mortgage Solutions to send in to XXXX XXXX to get them removed. I have had phone calls with Iowa Mortgage solutions informing me that they will do it the next day. Weeks/months pass with no information from Iowa Mortgage Solutions XXXX Then when I get a hold of them again no progress has been made. When I called XXXX XXXX they informed me the process is not very difficult. I would like to get the fraudulent inquiries that Iowa Mortgage Solutions made on our credit removed from my wife and my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted a company to have an inaccurate Hard Credit Inquiry removed from my credit report. The company sent me a letter saying that they found that the Inquiry was inaccurate and that they would remove the Hard credit Inquiry and they would notify & request TransUnion to remove the Hard Credit Inquiry from my Personal Credit Report. 

The letter asked me to give it 30 days for the inaccurate information to be removed from my credit report. It has been months now and Trans Union has still NOT REMOVED THIS HARD INQUIRY. 

I have attached a photo copy of the letter from the company saying that they would remove the Hard Inquiry as well as instruct all credit reporting agencys to remove this Hard Inquiry as well.

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 2021-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
A couple of months ago or so I called Midfirst Bank of Oklahoma to inquire about opening a new checking account that offers a {$300.00} cash bonus for doing so. I talked to a XXXX and we went over the eligibility thoroughly a couple of times. 
She told me I could be eligible for all of this by applying online from XXXX, Arizona even though there are no Midfirst banks in this area. The closest one is in XXXX, Arizona, which is one hundred miles away. She assured me that I don't have to go into a branch to apply and get the bonus. 
I have applied several times over the time frame I mentioned above and I get a message stating the application can't be processed. It said nothing about being denied or approved. 
Their online banking department told me it could be a system issue on their end and to try to apply later, which I did. They never told me I was being denied, but that it may be a technical problem according to the message after submitting the application. I talked to several online banking employees and customer service representatives who told me the same thing and they didn't know what was going on. 
Then on XX/XX/XXXX or XXXX, XXXX, { I can't remember the exact date } after applying one last time and failed, I called them again and now they are telling me I must go into the branch to apply and it maybe a denial. 
I don't have a vehicle to drive one hundred miles to the branch and I take the city bus. 
This is not fair to get my hopes up and then have no option to help me from XXXX, especially during this virus situation where some bisnesses tell you they are there to help. And I could use the money since I only get about {$800.00} a month for Social Security. 
Thank you for anything you can do. 

Sincerely, XXXX XXXX XXXX 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