vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Back in XXXX or XXXX I submitted letters to navy federal and to the three credit bureaus asking them to validate the account that was showing on my credit I asked them to send a written letter showing a signature page or any type of proof that the account was mine, it has now been five months they have not sent any type of validation or written proof to me nor to the credit bureaus and I have asked for these accounts to be removed immediately and they still remain on my credit. I have submitted several disputes and at this point I also have disputed this information with the XXXX XXXX XXXX and now along with you guys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am a XXXX XXXX receiving monthly benefits thru a government provided XXXX XXXX ' debit card. I also have a personal checking account with JP Morgan Chase which is the source of my complaint. 
Having received my benefit from the government on XX/XX/2022 and properly deposited into my XXXX XXXX account, I proceeded to the JP Morgan Chase XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and attempted to make a withdrawl of {$240.00} ) XXXX XXXX XXXX XXXX account from the onsite ATM to be deposited into my personal JP Morgan Chase checking account. However, much to my dismay when the chute opened to dispense my cash nothing came out. I immediately rushed inside and explained the situation to a customer service representative who basically told me it was not their problem and contact XXXX XXXX for a resolution. ( it is impossible to contact XXXX XXXX for up to 2 weeks after benefits are disbursed due to the high volume ) My feeling is that Chase could and should have the ability to solve my problem as : -the machine is their property and on their premises -at some point that machine is 'balanced ' and the reconciliation sheet for that location would be off by {$240.00}. I mean, am I right or am I wrong? 
I put my life on the line for this country and I think I deserve a small measure of respect. Please try to help me! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
In the month of XX/XX/2022 Navy federal credit union credit me {$34000.00} for an auto loan which is the wrong amount and not required amount to pay, including the amount of {$12000.00} of credit card credit Therefore demanding loan amount to be dismissed and consumer violation feees to be owed to consumer ( XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: WA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/ I received an email that a checking account was opened in my name at Bank of America. We dont have any current accounts with this company, but had a car loan with them which was satisfied a couple years ago. I called Bank of America to find out why this account was opened in my name. Apparently someone open the account using my social security number. They were happy to assist me in closing the account, but this is alarming as Im very careful about using my SSN. I have identity theft protection already and it wasnt caught by them. Ive since put a freeze on my SSN through all three credit bureaus. Id like the FTC to find out why this occurred and make sure it isnt one of those bank scams to open accounts at the end of the year like XXXX XXXX did years back. Thank you for your assistance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Rocket 's escrow team has made many errors in inputting our home value which has caused our mortgage to increase by {$300.00} with added late fees that we can not pay. Due to Rockets continued mistakes after multiple attempts at requesting attention to the report, and many wasted hours, we are still looking at a delinquent account and are simply told we have to pay this incorrect mortgage amount. We have had a mortgage amount of $ XXXX since we purchased our home XXXX XXXX and we overpaid escrow by over {$2000.00} last year. Since we have updated our tax records ( in XX/XX/XXXX ), our mortgage should be less than what we have been paying ( $ XXXX ) to reflect 50 % tax exemption. 

Rather XXXX XXXX, we receive a notice reporting our escrow analysis caused our mortgage increased to {$1500.00}. 

Again, XXXX XXXX we receive a notice reporting our mortgage continues to be the incorrect amount of $ XXXXbut includes late fees and " other fees '' causing our total owed to be {$1700.00}. 

XXXX XXXX we receive notice we continue to owe {$1600.00} We spoke to many rocket call agents who simply told us we had to pay this incorrect mortgage and legally it takes 30 days to change a mortgage payment. We explained that is irrelevant to our situation as this is rockets errors and mistakes. Our attempts at getting Rocket to fix these mistakes continue to remained ignored. 

Finally XXXX XXXX XXXX XXXX XXXX ( escalation specialist ) stated he would be able to assist us and fix our account by XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX called, reported he has not had a chance to review issues but will be back in touch XXXX XXXX. I agreed that would be okay but still needed explanations for the 3 incorrect escrow analysis and findings for why our home value is incorrectly assessed at {$440000.00}. 

XXXX XXXX XXXX XXXX called stating escrow analysis still not completed. Stated it would be completed by XXXX XXXX XXXX XXXX Servicing Escalation Specialist Rocket Mortgage T ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: MD

Complaint narrative:
On XX/XX/, and XXXX XXXX, I wrote letters asking Transunion to investigate a late payment. Transunion continued to keep the late payment on my report with no validation nor verification. This is a error that could have been fixed if a federal law investigation was conducted. Please update XXXX XXXX as XXXX  because of the CARES 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 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On Wednesday, XX/XX/. I received a call from a man. His name may have been XXXX around XXXX XXXX. He introduced himself from CSC and said he was calling about an account I had with them. I politely said I do not have an account with you, and he said yes you do, I said Sir I am sorry I do not, he then said on a recorded line, Yes you do lady check your credit report! then he hung up. I immediately called back and he yelled at me saying if you don't have an account why are you calling back when I attempted to yell at him back he hung up on me. I then called back several times and he kept sending me to voicemail and putting me on hold. 

I happened to check my credit report and noticed that the above name

company checked my account stating I applied for credit with them as a Hard inquiry. This company violated my rights by fra
udulently checking my credit stating I applied for credit at a Collection agency. They also harassed me and used aggressive tone in communication. they failed to send me documentation to provide the opportunity to respond the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
XXXX XXXX XXXX of Dunlap Gardiner LLP violated my consumer right to privacy by contacting me via the US Mail Postal service without my consent in an illegitimate attempt to collect an alleged debt, whereas a debt collector can not state that a consumer owes any debt. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX 's client, the alleged original creditor did not have authorization to communicate with any third-party debt collector in reference to the attempt to collect this alleged debt, nor did they have authority to furnish my personal information to XXXX. XXXX 's letter contained false and misleading information alleging that it verified the alleged debt. Whereas XXXX 's client failed to provide debt validation pursuant to the FDCPA as requested on XXXX  and again on XX/XX/XXXX. The attempt to collect this alleged debt pursuant to the FDCPA should have ceased until the disputed amount was validated in which XXXX 's client continued to violate me by their continued efforts to collect an unvalidated debt. I've yet to receive any feedback from XXXX in regard to my response mailed to his office on XXXX  The failure to produce the requested documentation is also a violation of my right as a consumer as it prevents me from exercising my right as a consumer to assess and validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: GA

Complaint narrative:
I have sent several disputes in to dispute a account that is inaccurately still reporting on my credit report. It has been deleted off two of the three reports. They have failed to properly investigate this account and continue to send a automated response. 
The account is XXXX XXXX XXXX, {$1100.00} XX/XX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Back in XXXX or XXXX I submitted letters to first premier, XXXX XXXX and to the three credit bureaus asking them to validate the account that was showing on my credit I asked them to send a written letter showing a signature page or any type of proof that the account was mine, it has now been five months they have not sent any type of validation or written proof to me nor to the credit bureaus and I have asked for these accounts to be removed immediately and they still remain on my credit. I have submitted several disputes and at this point I also have disputed this information with the identity theft Bureau and now along with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: GA

Complaint narrative:
I was listed as an authorized user on a XXXX account. I didnt give permission. This account is not mine and should be reporting late on 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 2022-12-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I am consumer XXXX XXXX and I'm continuously being harassed by PENNYMAC LOAN SERVICES LLC. PENNYMAC LOAN SERVICES LLC, is a debt collector and must abide by the Fair Debt Collection Practices Act. PENNYMAC LOAN SERVICES , LLC has contacted me about alleged debt without my consent. During initial communication in XX/XX/2016 they did not send a statement that I had a right to dispute alleged debt. PENNYMAC LOAN SERVICES , LLC claims to have interest in consumer 's property and did not give any consideration or value. I do not have a contract with them and pursuant to the FDCPA PENNYMAC is not a creditor they were transferred an assignment. This was done without my consent and PENNYMAC created an account on behalf of the consumer in which is not my account. PENNYMAC has compiled false and deceptive forms to attempt to collect alleged debt. They are threatening to seize my property once again without any lawful right. I have a federal court case that has been filed against PENNYMAC FOR THEIR VIOLATIONS. This alleged debt was not and can not be verified by this third party debt collector. PENNYMAC IS IN VIOLATION OF ANTITRUST LAWS AS WELL BY ATTEMPTING TO PRESENT A LOAN ASSIGNMENT THAT THEY CLAIM TO BE TRUE. ALL DECEPTIVE AND COMPILED AND IN VIOLATION OF 15 USC 1. This is identity theft, they have my nonpublic information without my consent. THIS IS AN ALLEGED DEBT THAT IS DISPUTED SEVERAL TIMES. I AM NOT OBLIGATED TO PAY ALLEGED DEBT PURSUANT TO THE FDCPA AND PENNYMAC LOAN SERVICES LLC MUST ABIDE BY THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: UT

Complaint narrative:
The debt collection agency keeps sending me repeated emails but will not send me a notice or validation by mail which I've requested several times. I've also asked them not to contact me via email but they still do so. Halstead Financial is the company and I need them to cease this activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a Account with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 15 U.S.C 1681 - 2 ( A ) ( 1 ) A pe
rson shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a Account with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate

Company response to consumer: Closed with explanation