vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Back around XX/XX/2021 I received a notice that I lost my debit card privileges with Navy Federal credit union due to too fraud claims that they prematurely or better yet assumed we're me trying to pull a fast one or claim fraudulent reporting to those fraud claims ... Which at the end of the 90 day investigation turned out to be fraudulent however they penalized me for following the guidelines in there disclosures for a debit card..thanks to NFCU I had bounced a payment for my rent and my vehicle almost evicted the the most horrible part ... They marked my SSN with XXXX- XXXX XXXX XXXX- causing me no access to online certified funds but trapping me in there XXXX of an institution. Any other place for months denied me due to XXXX  and them marking me HIGH RISK due to fraud ... I lost my cool quite a few times when calling in however when I was able to control my anger and XXXX  ... I asked them to send the info that they used to come to this conclusion.. they said they will and never did.. they wouldn't file a complaint when I asked I talked to multiple '' managers '' but never anyone who could tell me anything about reactivating my access.. when I asked.. what is your all 's problem, it's it because I'm not an actual service member is it because I'm just related to one? Are you treating me this way because I haven't enlisted.. the man on the other side made a very disheartening ha then proceeded to quickly place me on hold.. I feel horrible to have ever backed a institution like this ... And thanks to them my life became so very stressful that, I already having severe health issues, caused me to be hospitalized. I am ashamed to have associated with such a disgusting institution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ON XX/XX/2021, I received a notification from my credit monitoring service the XXXX inserted an negative account in the amount of {$4200.00}, on my Equifax credit report without any prior notification. 

I immediately reached out to XXXX for assistance and explanation who hung up the telephone several times and then told me to writing a letter. 

I do not owe XXXX, my account is and has always in good standing never late, never missed any payments. 

I believe this is retaliation based on my race, color, sex and for numerous complaints file with CFPB XXXX intentionally set-out to lower the credit score of XXXX Americans This is a clear violation for FCRA, I want this act investigated and XXXX held accountable for the aggress act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
good morning I have an account with NetCredit financial. The amount of the loan is {$1900.00} and my monthly payment is {$160.00} For over a year I got laid off from my job so I called Netcredit asking for hardship. They told me not to make any payments but they kept sending me bills anyway. 
I called them and begged to settle this account, they told me to pay {$2000.00} to catch up and resume my monthly payments. 
Because of their predatory lending now my balance went from {$1900.00} to {$4000.00} and we still have 2 years left. 

I understand NetCredit is a part of whats called XXXX XXXX XXXX XXXX and they must be stopped. 
Could you please help with this matter. 
My account number with them is XXXX Thank you so much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I understand the pandemic, cyber terrorism and transition to digitalized has impacted financial services however my accounts were closed for other reasons. So many BILLION dollar, companies have totally lost integrity, ethics, morals, values, a soul ... during COVID19 and are targeting, bullying and clearly violating the law. This is starting to become a regular issue that is hindering the country. 

The money was in my checking account for my Chase payments however XXXX decided to charge me ten overdraft fees. XXXX purposefully did the math wrong and this is not the first time NFCUs unethical overdraft practices have impacted my transactions with other institutions. 

XXXX manipulated the order of my transactions to maximize the chances I will be charged an overdraft fee. The transaction order ( not chronological ) negatively impacted the way XXXX processed various types of debits and the time period ( a week ) did not allow me to keep track of what XXXX was doing so I was not unable to anticipate and avoid overdraft fees. 

The effect of XXXX practices has negatively impacted my relationship with other financial institutions. Several of my other institutions did not receive the scheduled payments due to XXXX. XXXX credited my account hundreds in fees however that still does not negate the fact that my accounts ( XXXX ), ( XXXX ) and ( XXXX ) were closed with other financial institutions such as Chase Bank. 

After receiving notice from Chase on XX/XX/2021 that my payment was not received. I immediately rescheduled the payments on all three credit cards. However, Chase Bank closed all three of my credit cards. I am shocked as I held a VA mortgage with Chase Bank and always paid my mortgage on time and ahead of time. This is also the first time I had an issue with my credit card payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I mailed oFf a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of these alleged debts that you keep reporting on my credit files. However, the credit bureaus failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: 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: TX

Complaint narrative:
Transunion has commited 2 violations against me. 
Violation # 1 Violated my FCRA Rights : These are my rights under the FCRA You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

3 letters were sent to Transunion and it was not until I submitted a complaint with the CFPB on XX/XX/XXXX, that Transunion answered on XX/XX/XXXX. Letter sent XX/XX/XXXX, they processed it on XX/XX/XXXX. Evidence will be attached on this complaint CFPB needs to make them comply with the laws. 

Violation # 2 Statute of Limitations Texas Law Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. 
This debt that Transunion is reporting is from XX/XX/XXXX it is an expired debt. 

I am in total disagreement with Transunion investigation response. The incorrect items listed still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. Please have Transunion delete this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: 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: IL

Complaint narrative:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: 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: IL

Complaint narrative:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
XXXX has been on constant attack of my sister and I and the property management company they are supposedly in contact with claimed that our final bill was accurate ... In which is invalid due to the fact that the while my sister and I'm lived in our old community they had 3 changes of property management company and office personal changes even more often.. the property management company that we informed them to discuss the charges we refuse to pay with elemental because it's from when they were in charge ... When we moved it it was home properties And then sold to elemental then sold 2 days before my sister and I moved out to XXXX properties who are the same property management company that we currently live at. With all that being said we feel as if this XXXX is harassing us and the property team is discriminating and so disrespectful my sister and I felt like we weren't safe living here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Nationstar DBA Mr. Cooper auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XX/XX/XXXX I was contacted by Nationstar DBA Mr. Cooper by phone asking if I wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from Nationstar DBA Mr. Cooper that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted Nationstar DBA Mr. Cooper and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that Nationstar DBA Mr. Cooper stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. Mr. Cooper issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX, XXXX, XXXX  and XXXX but Nationstar DBA Mr. Cooper has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by Nationstar DBA Mr. Cooper. I have personally contacted all 4 Credit Reporting Agencies and learned that Nationstar has done nothing to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: FL

Complaint narrative:
Re : Account Number XXXX XXXX/XXXX  This alleged debt collection account is erroneous and it is hurting my credit tremendously. I have sent certified written letters requesting Experian to investigate this account. It's been more than 1 year and I still haven't received any correspondence from this bureau regarding this erroneous account. I did not open this account and I want it removed immediately.

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I believe XXXX, XXXX company is not respecting A, our, original agreement we signed and is lacking on fixing my credit report with the credit bureaus, mainly TransUnion and XXXX. I dont know if XXXX  XXXX XXXX or the bureaus is lacking and dishonestly working on my report, which XXXX XXXX XXXX is the one I have doubt with. On XX/XX/2021 I called customer service and spoke with the manager, I wanted to clarify some errors I spotted with my first and last name in my payment file report, and why are they sending out wrongful disputes letters, not being honest?. On XX/XX/2021 in the morning when I logged into my account I realized my signature was wrong and a different payment method was added with the same name. I have noticed XXXX  has been sending out wrongful disputes on 1 or 2 accounts. 
I contacted the Bureaus because, after what I spotted I wanted to make sure my credit report from the official website of TransUnion, XXXX, and XXXX  was not damaged. Turns out I had and still have trouble signing in to my accounts but Im most upset with XXXX. I have sent dozens of disputes of wrong information on my report and the same name on my XXXX  account appeared in my credit report. I have been trying to fix my situation with XXXX  and have called various times this week from XX/XX/2021 but I have seen no results or effort to work with 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 explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe XXXX, XXXX XXXX is not respecting A, our, original agreement we signed and is lacking on fixing my credit report with the credit bureaus, mainly XXXX  and Experian. I dont know if XXXX  XXXX XXXX or the bureaus is lacking and dishonestly working on my report, which XXXX XXXX XXXX is the one I have doubt with. On XX/XX/2021 I called customer service and spoke with the manager, I wanted to clarify some errors I spotted with my first and last name in my payment file report, and why are they sending out wrongful disputes letters, not being honest?. On XX/XX/2021 in the morning when I logged into my account I realized my signature was wrong and a different payment method was added with the same name. I have noticed XXXX has been sending out wrongful disputes on 1 or 2 accounts. 
I contacted the Bureaus because, after what I spotted I wanted to make sure my credit report from the official website of XXXX, XXXX, and Experian was not damaged. Turns out I had and still have trouble signing in to my accounts but Im most upset with Experian. I have sent dozens of disputes of wrong information on my report and the same name on my XXXX  account appeared in my credit report. I have been trying to fix my situation with Experian and have called various times this week from XX/XX/2021 but I have seen no results or effort to work with 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 explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
XX/XX/2021 {$77.00} XX/XX/2021 {$27.00} paypal needs another class action lawsuit filed against them they knowingly and intentionally demanded money from my credit card compaines even after i informed them of the fraud sellers i have the usps involved in this becasue paypal supplied a fake tracking number my credit card compaines have agreed to back me up on this as well paypal chose to have arbitration take the case only to h ave their attorney manipulate the situation, i have all the emails which includes paypal makin a mockery of this apparently its funny to them because they continute to get by with doin what they do. after this i am filing a complaint with attorney general as well this needs to stop paypal needs to be held accountable for their actions as well as forcign people to open an account with them otherwise they sat you cant file dispute for their fraud sellers why would anyone wan na open an account with an unsafe website as that one they also offered to allow this to go to court but they dont wan na pay the fees for me to file a civil suit case for the amoutn of {$5000.00} i also believe they pay off arbitration or they have some kind of agreement with them so that paypal wins the case was closed per some rule 9 then it wen tpot fairshake again then backl to XXXX again and now its been nothing goin on in some time now,, please CFPB help in this matter id like to show the courts that ived done all i could but i am searching for more consumers to get a class action filed so any help there would be great and apprecaiated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NJ

Complaint narrative:
Since last year of XXXX, my XXXX account has been restricted from use. This XXXX XXXX  claimed that my account had a negative balance since my linked bank account could not honor the transaction. XXXX began to send me letters to bring my account to positive. In the economic while dealing with my financial difficulties, I received a letter dated XX/XX/XXXX from debt collection agency American Coradius International LLC for {$500.00}. Thereafter, another letter dated XX/XX/XXXX from collection agency XXXX XXXX XXXX. I attempted to call both collections to pay the debt and they had no record of it. I contacted XXXX to dispute the debt and they gave me another collection agency XXXX XXXX XXXX  number of XXXX ( XXXX ) XXXX. I called them as well with a conclusion of no record of any debt with my name. XXXX is an utter failure to resolving any issues and they need to lift restrictions off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
I filled a dispute against XXXX XXXX XXXX XXXX after filling the dispute they closed my account and said I can never open a new one I'm supposed to get back a little under {$5000.00} can u help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: 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: VA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.

Company response to consumer: Closed with explanation