vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
Around XX/XX/XXXX, I was contacted by a debt collector from XXXX XXXX his name was XXXX XXXX. Said I had debt for a medical bill for my daughter from a XXXX visit, in the amount of {$610.00} He asked for my card # i said I wouldn't give any payment over the phone, I'll be happy to send via XXXX XXXX through my Bank. He gave me account ending XXXX and send to XXXX, XXXX XXXX XXXX, XXXX, MO XXXX. I paid it off by XX/XX/XXXX. On XX/XX/XXXX I received a bill for the same hospital visit in the amount of {$760.00}. I feel like I'm being scammed. The bill also says XXXX XXXX XXXX XXXX as 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 2022-11-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
On XX/XX/2022 someone transfer XXXX out of my debit card into XXXX XXXX XXXX XXXX XXXX. I found out about this XX/XX/2022, I called the debit card company and they advised me to file dispute and I did and faxed them the paperwork. They told me they have an investigation team that will be handling the dispute and it will take up to 45 or 90 days for the dispute team to reach a decision.

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 2022-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a home equity loan with : TD Bank XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX : XXXX I plan my budget and pay my mortgage payments when money is available. 

On XX/XX/2022, we paid our mortgage in the amount of {$2400.00} The check cleared on Saturday XXXX XXXX. 

On XX/XX/2022, the payment still has not posted. 

I have called the mortgage department numerous times. They claimed in their system the payment was 'lost '. The research department is currently trying to 'find ' it. 

This is the 6th time in 3 years. 

The bank appears to be unable to process checks for mortgage payments. Per tellers, the process is very confusing. But it requires a customer to be vigilant always and check to ensure the process has cleared. 

All the while I am subject to interest on something I paid for 5 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
To whom it may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and noticed a few accounts that need more clarity. I am not 100 % sure if they are accurate. I also read something called the Fair credit reporting Act where by law I have a right to challenge anything I am not sure is accurate. Some people are reporting things on me that dont seem accurate.

Are you familiar with something called 15 Usc Sec 1681a? I heard that if you cant provide proof, these accounts need to be deleted immediately! Well I want these accounts deleted if they are not 100 % right and correct. So you have up to 30 days to complete this investigation, which was confirmed by a lawyer. Please investigate the following accounts and remove them if the information is not correct! 
My student loans are not consistently the same information across the 3 credit bureaus. So i am confused as to why the dates arent the same because per law, these pieces of information have to match identically with the 3 creditors.

Also any type of credit transactions whether its finance, leases, loans, purchases have to be cash in hand. I never received any type of compensation for those loans.

Per 15 U.S. Code 1679, these transactions were never done which is a violation. 

Also XXXX was sold to a different company and bought out and i was never sent any documentation on what I owe or moving forward

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Company is Navient- it appears a student federal loan went from a Sallie Mae loan to a private loan loan with Navient , This occurred in XXXX. I participated in payments only due to a verbal agreement with XXXX  daughter. Navient insisted I was the co-signer so I agreed to payments until my verbal agreement was met. The first conversation I had with Navient or any lender was XXXX. I asked them to send all paperwork to me regarding this loan. None was ever received.Iin XXXX I made every loan payment and my verbal agreement with XXXX  daughter XXXX was met. In XXXX of XXXX I got aggressive with Navient made many calls and sent letters. I finally received bre minimum pperwork. The first was the Sallie Mae Signture Loan application with a signture which was intended to be mine. The second was a payment sheet which showed every payment I made and thousands in fees called capitalization. In a phone call a worker advised me that it was noted that I was not to receive ny pperwork? I called from the fraud team to prove my signture. Their feel reply was I was denied because I never sent them a fraud police report on the matter. From XXXX till XXXX there was no fraud. I was. XXXX XXXX XXXX XXXX XXXXn XXXX XXXX XXXX XXXX. XXXX  resident in XXXX XXXX. If its true I was not to be told nothing why wasnt that paperwork included. Therefore not one notification from either Sallie Mae or Navient was ever sent to me or that paperwork would have been included. Navient is not and has not acted propriety with this matter. I will file any paperwork or file an active complaint If NECESSARY. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: NC

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Ive had fraud on my account which the bank refuses to accept that is not my fault. They wont give provisional credit or approve the fraud charges. I have direct deposits that come in every Thursday night, and the bank is flat out refusing to stop the direct deposit. Because of that, I wont be able to access any of my deposit because they want to keep the money. I know they can stop the direct deposit, so my company can put it in my other account but the bank refuses to allow this to happen. The complaints I found online shows that they have done this to numerous other veterans, and its not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: NM

Complaint narrative:
The three major consumer credit reporting agencies, Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I have severe XXXX XXXX. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # XXXX. Got a notice from XXXX that my application for XXXX discharge is being delayed by Nelnet because they spelled my name incorrectly. They wont communicate directly with Nelnet, they said I have to. We tried, and Nelnet refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # XXXX. XXXX is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of XXXX charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to Nelnet multiple times, the XXXX branch of Nelnet seeking help, and literally never even received a response. It is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Account ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 6028 states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish my account without my written instructions.

I did not apply for any loan from this institution. I would like for this fraud/unauthorized account be removed from my credit report.

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 2022-11-03 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Commenity Bank hasn't reported payment and balance information to the credit bureaus since XX/XX/2022. I have paid off 2 accounts in an effort to get a home loan, but it's still showing a balance on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I have two collections reported on my credit history. Both in the amount of {$670.00} and from XXXX. I have twice contacted ic systems about verifying the accounts. The first time, in XXXX I received a letter stating that they could not verify the accounts and would stop reporting them. They did not stop reporting them. I sent another verification request in XX/XX/XXXX, I received a response stating that they can not respond because they need further information to include a reference number from previous correspondence ( I have never received any correspondence except from the above stated instance and that letter had no reference number. ) they also asked the name of the creditor, and any phone number they have used to contact me. They have never called me, and I dont have the name of the creditor. So they are reporting to my credit after stating they couldnt verify my debt, they dont know who the creditor is to this unverified debt, and are asking for a reference number I have never received for a debt they can not verify.

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 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
The XXXX major consumer credit reporting agencies, XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.

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 2022-11-03 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: NM

Complaint narrative:
The three major consumer credit reporting agencies, XXXX, Experian and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit one credit card I closed a long time ago I agreed to do payment plan with then did 2 payments of {$130.00} and I had one more now its showing that I owe them {$320.00} again its not fair I will pay for remaining balance but not all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
XXXX/XXXX  account XXXX Inaccuracies among the reported lates between the three bureaus. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Stellantis Financial Services US Corp.
State: MD

Complaint narrative:
In XXXX, I drove my XXXX XXXX XXXX XXXX vehicle to the XXXX XXXX dealer in XXXX MD because they said they can help me trade in my vehicle for a new XXXX car of the same model. I was just getting over XXXX and needed most of the work to be done before I got there. As far as I was concerned, it was a trade and the lender was First Investors. Later, after driving my new car, I saw XXXX showing on my credit report. I spoke to someone today who is telling me my XXXX car was auctioned off by the dealer and did not get rolled in to the loan as a trade. I am not sure what shady dealings went on but something obviously is not kosher. I never had a reposession and I am quite sure I would know if my car was impounded. The dealer and First Investors did something shady but now I am told XXXX XXXX has the debt of XXXX and it is showing on my credit report. I demand someone explain what they did but they need to STOP showing it as a reposession because it was not. I drove it there! 
XXXX XXXX in XXXX, MD and First Investors did this shady deal and they need to be held accountable for doing this to innocent people.

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 2022-11-03 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: IL

Complaint narrative:
Over the last 1.5 years I have sent multiple certified letters to XXXX, XXXX, and Transunion requesting that they validate the inaccurate derogatory accounts on my account. However, every time the credit bureaus responded the accounts were validated, but the information listed on my credit report is inaccurate. This has caused me a great deal of stress and money. 

According to the Fair Credit Reporting Act ( FCRA ), If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX I had made a dispute XXXX of XXXX For a debit charge from XXXX XXXX XXXXXXXX I was denied I had then re submit and after a year I receive a letter XXXX stating I was awarded in my favor of the XXXX disputes grand total {$1400.00} I had file a dispute before for around for {$400.00} I was awarded that now the XXXX dispute is now saying I was awarded in the letter I received from bank of America and that amount is for {$1000.00} something sorry I can't get into my account to see the exact amount now I never once seen that money in my account And here is what bank of America said when I called in XXXX I believe there was a charge for {$910.00}. I never made a dispute doesn't understand at the time on this charge for the {$910.00} came from bit it was also credit right back to my account that's a wash my bank of America account was at a {$0.00} balance when that {$910.00} was taken but credit right back so that would be {$0.00} XX/XX/XXXX the letter that says I was awarded the XXXX dispute of {$1000.00} something when I called and asked about this letter bank of America said the {$910.00} plus we also gave you {$88.00} fake the difference How could bank of America you the transaction I never asked for a dispute on different days and month in total different cities and county 's It use that amount in saying they paid me and I'm awarded I then ask show me jn my account where u see that about ever given to me I get it you say its the {$910.00} read it and it says nothing on a of the same are not the amount I asked for So over a year I never seen what bank of American says they awarded me back please leg me know I'm trying to give you the details but I hope this made sense thank you in advance

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
On the date of XX/XX/2022 I had a background check screening done by FIRST ADVANTAGE with some inaccurate information. I looked at my report it shows that I didn't have an active license in the State of XXXX So, I explained to multiple representatives that I moved from XXXX to XXXX also that I surrendered my XXXX license to the DMV in XXXX Their responds were the information they have received was from the DMV in XXXXXXXX XXXX  says everything is updated on their in. They say it takes 30 days for a dispute then I asked for it to be expedited, then they tell me they don't give time frames out when its expedited. I provided them with all the proof, ask for a supervisor to call me never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
I have alot of hard inquiries and close account on my credit report that I have no idea of. Such as.XXXX. # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX. XXXX # XXXX XXXX  # XXXX. XXXX  # XXXX. XXXX XXXX  # XXXX # XXXX. XXXX # XXXX.and all close account because I have no knowledge of them

Company response to consumer: Closed with explanation