vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I refinanced my mortgage through USAA, during the process of applying the person I delt with was XXXX XXXX XXXX, NMLS ID XXXX, Loan Officer, Real Estate Originations ( Real Estate, USAA XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX Fax : XXXX ) She stated that she would be my Loan Officer for the entirety of the mortgage, and that if I had any questions, even after closing I could contact her directly. 

Shortly after the refinance closed I started getting letter stating that I would have to direct all questions to their " Subservicer. '' At no time was I ever told that I would have to deal with a 3rd party, nor did I at any time agree to this. I have attempted to contact USAA about this but the only answer I get is that there's nothing can be done. 

If I knew USAA would force me to deal with a 3rd party I would cancelled the refinance and never signed off on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XX/XX/XXXX I requested an investigation because I felt the item is not being reported legally, and I received documents dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX stating that their investigation was complete. XXXX  and XXXX claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. XXXX  has not sent any proof from any of the alleged creditors to proof this alleged debt. 

Notwithstanding, Under 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I have not ever given my consent to furnish these debts owed to me. Therefore, it is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection. 
I can prove to you that the debt buyer XXXX XXXX XXXX has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I ca ll they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit. I've complained to all 3 Major credit bureaus with no luck. I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I contacted XXXX  and Experian regarding the reporting of information in which i did not give my consent. 

According to 15 USC 1681b - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


On XX/XX/2021 I contacted both companies via a written dispute demanding that they remove the account from my consumer report as it is a violation of my consumer rights and I never gave XXXX or Experian any written consent to report the account to my credit report. I never received a response from either company or deletion of this account from my consumer report. 

Account Listed XXXX. Account # XXXX According to federal law the FCRA states that these consumer reporting agencies have 30 days to respond and failure in doing so they must immediately delete the disputed item from the consumers report. Failure to do so is a violation under Federal 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 2021-05-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX bank corporation has a balance of XXXX and it is a credit card it was opened on XXXX XXXX and it is closed and it is a charge off, It needs to be removed it is not my balance and my account. This card has been on my credit and it has a balance that is inaccurate and it needs to be removed off it. The account has an balance that needs to be removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: NY

Complaint narrative:
Per the FCRA, you must respond within 30 days ... you can not take up to 60 days for this complaint - 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 2021-05-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I NOTICED ACCOUNTS DISPLAYED ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CONSUMER REPORT 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 explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Ever Since I paid off my personal loan, there seem to be like an unauthorized personal load after,, why would i want to open up another loan when i just paid it off. Once this loan has been open up again there seems to be so many issues, you guys are constantly billing me to pay it off this loan that wasn't made by me and also there numerous of unauthorized withdraw transaction and now my account is blocked and on hold and i can't even close it down. I want to close this account and take my money to go to a different bank because all you guys want me to do is to go broke. every pay check i get it go straight to you guys and i feel like you guys just want to take my money. I'm tired of this situation and i want my life back!!

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 2021-05-23 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: KS

Complaint narrative:
TransUnion is Illegally and Knowingly reporting inaccurate information. 


( 1. ) This account is Charged Off, XXXX XXXX are illegally reporting a Past Due Amount of {$14000.00} ( 2. ) This account is Charged Off, XXXX XXXX are illegally reporting a Balance of {$14000.00}

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 2021-05-23 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
It is sad to see that Navy Federal Credit Union does not care about its members. On XX/XX/2021, I submitted a complaint to the CFPB about my account being closed. I explained that I missed all the payments because I was under an XXXX XXXX due to XXXX. I was under an iXXXX XXXX for a whole year. I had no way to make the payments during this time, and as soon as I recovered, I contacted all my creditors and worked out a plan to reopen the accounts and get them back to good standing. Most of my creditors reopened the accounts and removed the derogatory marks off my credit report, as they understood covid19 was something they had never seen before. The only creditor not willing to work with me is NAVY FEDERAL CREDIT UNION. Instead, they have been constantly calling me about paying less of what I owe, this is not what I want. I also received a letter stating they would accept a lump sum of XXXX no later than XX/XX/2021. This is not what I want. I want NFCU to do what every other creditor did and reopen the account and remove all the derogatory marks on my credit report. 

NFCU, if someone with a XXXX is reading this, I HAD XXXX. I WAS IN THE HOSPITAL. Someone please help me open my account back up, I will pay what I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: TX

Complaint narrative:
XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .Experian and XXXX  keep reporting my information as updated with the same errors.

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 2021-05-23 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: GA

Complaint narrative:
I NOTICED ACCOUNTS DISPLAYED ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CONSUMER REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: GA

Complaint narrative:
I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT 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 explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
In XXXX or XXXX, a debt that had fallen off my credit report in XXXX was put back on my report. This was a debt from XXXX, so I disputed it and asked the company to send me the information on the original debt as well as when they acquired the debt and explain how and why it was on my credit report in XXXX because as far as I knew I had no account with them or XXXX XXXX XXXX currently & I had received no kind of correspondences prior to XXXX of XXXX. When I received the letter from them it contained what looked like a bill from XXXX XXXX XXXX stating that I owed {$140.00}, dated XXXX of XXXX. I was confused since I currently have no account with XXXX XXXX XXXX and was given NONE of the information asked for. When I called I was told that they had acquired the debt in XXXX, again I received nothing from them, and they restarted the debt then. When I told her it was illegal for them to restart a debt from XXXX just because they purchased it in XXXX of XXXX, I was hung up on. I live in Washington State and I don't think that this is a fair or legal practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23 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: Synovus Bank
State: CA

Complaint narrative:
By law First Progress has agreed to close my account on XX/XX/2021, withhold {$120.00} from my {$1000.00} security deposit to pay for the amount I have disputed with CFPB recently, refund me the remaining {$870.00} from my {$1000.00} security deposit, as indicated in their XX/XX/2021 statement, but within a recent XXXX complaint filed against them, there in this XXXX  Complaint and CFPB above referenced Complaint it was proven that they have rebilled the {$120.00}, after the above withholding payment of {$120.00}, which has evidently been ignored and discounted as with the refunded {$870.00} in closure agreement, proven with the following statements resulting in the XX/XX/2021 Statement balance due of {$390.00}. 
The above First Progress withholding & rebilling {$120.00} contradictions and refunding {$870.00} & thereafter billing {$390.00} contradictions, after XXXX balance closure agreement statement dated XX/XX/2021, and refusing to report a XXXX balance to all 3 Credit Bureaus proves, as evidenced above, the guilt of " false and deceptive business practices by First Progress ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Carrington mortgage has a extreme delay in processing payment a payment was received and cashed on XX/XX/2021 they took 5 days to actually post or credit account very unethical. Submitted paperwork for modification 3 XX finally on 4th attempt received all information but is taking over 30 days to process while modification still processing receiving harassing phone calls for payment the company is not communicating with other departments. While under the modification process sent a horrible letter intent foreclosure 45 day late payment which was not accurate because they held a payment and did not accredited to my account they day they cashed the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2021, the ATM machine at the PNC Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, took in my cash deposit without properly accounting for it. The machine failed to capture the actual transaction by way of not producing a receipt. I, then immediately notified a bank associate. This associate informed me that he had no access to the ATM machine and that it was procedure to wait for a company that accesses and verifies transactions. Subsequently, I was given a temporary credit by the bank while they conducted an investigation of this unfortunate event. They denied my truth and sent me a letter a COUPLE months later one night before the given date, which cause my account to spiral in the negative direction. This letter in quote read, " we have completed our investigation of your claim and determined that no error occurred in the processing of this transaction. Please be advised that the provisional ( temporary ) credit totaling XXXX that had been previously credited to your PNC Smartaccess card will be reversed on XX/XX/2021, which is five business days from the date of this letter '' being XX/XX/2021. With that being said, I did not receive this letter until the night before the given date which left me little to no time to react to it. I am concerned that they will try to put this on my credit report erroneously. I am already a victim of fraud and this has caused me more distress and an insult to injury. The bank is supposed to be a protector for consumers against illegal and fraudulent activities and not to be the perpetrator of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent factual disputes with proof showing this inaccuracies in the date opened, high credit limit and the comment section.They updated this with the same errors.

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 2021-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Requested forbearance/payment deferral with Capital One in XXXX, 2020 due to COVID-19 and was approved for a 2 month deferral to XXXX, 2020. In XXXX, 2020 Capital One showed a 30 day late on my credit report which lowered my FICO score XXXX points. ( I had requested the same with 8 other credit card companies and was approved with all ). I, immediately contacted Capital One, by phone and letter, and they refused to remove the 30 day late. ( I have never been 30 days late on ANY of my credit cards XXXX. At this time I was in the process of refinancing my home. The FICO score lowering made me " NOT ELIGIBILE '' to complete the refinance loan. I have been with Capital One for 10 years and have never been late. Please Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Requested forbearance/payment deferral with XXXX XXXX in XXXX, 2020 due to COVID-19 and was approved for a 2 month deferral to XXXX, 2020. In XXXX, 2020 XXXX XXXX showed a 30 day late on my credit report which lowered my FICO score XXXX points. ( I had requested the same with 8 other credit card companies and was approved with all ). I, immediately contacted XXXX XXXX, by phone and letter, and they refused to remove the 30 day late. ( I have never been 30 days late on ANY of my credit cards ). At this time I was in the process of refinancing my home. The FICO score lowering made me " NOT ELIGIBILE '' to complete the refinance loan. I have been with XXXX XXXX for 10 years and have never been late. Please 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 non-monetary relief
Consumer complaint received 2021-05-23 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: VA

Complaint narrative:
Transunion 's Credit Bureau XXXX XXXXInquiry date : XXXX XXXX, XXXX. No amount, I called and talk to one of the customer rep and she stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX XXXX -Inquiry date :XX/XX/XXXX. No amount, I called and talk to one of the customer rep and he stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XX/XX/XXXX-Inquiry date : XX/XX/XXXX No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from Transunion and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue. 

XXXX Credit Bureau EXXXX MORTGAGE SER -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep to get a called back to discuss why was my credit pulled, when all I wanted to know was the process and get some information how long from start to finish it will take. Received a call back and stated by the rep that after 3 Months a mortgage inquiry will not hurt my score. But he was missing the whole point it shouldn't have been on my report at all because I was trying to get information and procedures. 

XXXX  Credit Bureau XXXX -Inquiry date : XXXX  XXXX, XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX and one from Transunion. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue.

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