vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

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 2021-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I paid off the lease in full on XX/XX/XXXX as I was planning on selling the car to the local XXXX dealership. After I paid the lease off the dealership said I would need to wait for the title and that it would be better to reverse the final payoff and they would take the car in on trade. They called on XX/XX/XXXX for me and requested that the final payment I made of {$25000.00} be reversed. I authorized it over the phone and they told me they would send me a check within 21 days. I called Mercedes Benz Financial XX/XX/XXXX and spoke to XXXX who told me they mailed me a check on XX/XX/XXXX to my home address. I checked with my local post office since that was too long for mail to take and was told that it was not in that days mail. I called back on XX/XX/XXXX and spoke with XXXX who told me again that they showed the check was mailed to my home address on XX/XX/XXXX and after I told her I had not received it she said that I could request a new check and that they would overnight it to me but we agreed to wait until Mon XX/XX/XXXX to see if the original check showed up and that she would call me to see at XXXX. She never called me the entire day and I still do not have the check so I called back again on XX/XX/XXXX and spoke to XXXX. I requested to speak to a manages as it was my XXXX call and I was getting no resolve and they owe me a considerable amount of money that frankley should not be sent regular mail ion the first place. I them went through it all XXXX XXXX again and she put me on hold and came back and told me that the money is not due to me and that they sent it to the local dealership on XX/XX/XXXX, I checked with the locak dealership and they have never received the money. I formally ask Mercedes Benz Financial to return my money in the amount of {$25000.00} immediately via overnight to my home address as this is unreasonable and at this point they are saying they gave it to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XX/XX/XXXX we entered into the Covid relief plan with our mortgage company Wells Fargo. Wells Fargo advised that the unpaid balance would be put on the back of our loan. XX/XX/XXXX Wells Fargo sold our mortgage to XXXX XXXX  with the balance not paid during the Covid relief as past due. XXXX then was requesting the total amout due to be paid up front. We could not pay the balance therefore entered into the same Covid relief plan. Wells Fargo never discussed selling our mortgage nor selling it with a past due balance. We have since had late payments reflecting on our credit report from XXXX. We have never had a late payment for our mortgage until now. I feel the whole Covid relief was not of any help to us, and has caused more harm. The fact that Wells Fargo sold our mortgage while we were actively in the Covid relief plan made the whole process confusing and frustrating. Wells fargo also claimed that they spoke with my husband and was told to terminate the Covid relief which was not true. The only correspondence we receive was an email asking if we wanted to continue with the relief nothing had to be done at that time. In XXXX we were told our Covid relief had stopped with Wells Fargo therefore we resumed payments. We made payments from XXXX to XXXX when our mortgage was sold with the past due balance.

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 2021-12-21 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: IN

Complaint narrative:
THIS PROCESS HAS CAUSED ME EXTREME STRESS IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID XXXX, XXXX NOR EXPERIAN WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : TOTAL XXXX XXXXXXXX - {$0.00} XXXX XXXX  XXXX - {$10000.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX  XXXX - {$0.00} XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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: NM

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX Reliacard restricted my account. They told me for suspicious activity. I had a transfer in place to my fiancs account, and I didnt think to wait til it cleared to update my address on the app..apparently they flagged my account demanding I prove identity. I uploaded my documents assuming all would be good and the next thing I know on XX/XX/2021 they tell me they closed my account. Since then we have lost everything. They refuse to give us more information than the funds are being sent back to your state agency. Oregon Unemployment has no idea or information whatsoever on this transfer back to them from Reliacard. Its over {$5000.00}. There is also a transfer that was in progress when they closed my account for no reason, and it has not shown back up. There were three all together that should have been returned from limbo after the account closed. I only saw that two made it back.so since XX/XX/XXXX I have called unemployment in Oregon and Reliacard, as well as uploaded further documents to Reliacard to verify and prove my identity. They have given no date for the return of my money, and they continue to be vague and totally misleading when I ask or call. 
Since this I have lost my XXXX diesel truck to a lien not being able to pay for the repair fees, Ive lost my home being as I can not tow my home since my truck was basically stolen from me, I lost clients I had just landed, I basically have lost everything. This is not a joke this is really happening to me. Please can someone help me..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I began to notice more recently that my deposits were being held as pending - while transactions ( that had already been posted to the account ), eat away at the new deposit before funds become available. Navy Federal Credit Union then takes the money a second time claiming they put the deposit in first but that is not the case. 

A branch deposit was made on XX/XX/XXXX for {$1500.00} and did not become available until XX/XX/XXXX. 

I had {$3600.00} as of XX/XX/XXXX All transactions posted on XX/XX/XXXX were made and completed before XX/XX/XXXX, For example : XXXX payment ( instant payment ) of {$260.00} was made on XX/XX/XXXX but, per my banking statement it shows that transaction was posted on XX/XX/XXXX ( Same day the {$1500.00} was made " available '' ) Next example : I received {$260.00} on XX/XX/XXXX from my reimbursement for internet with my job. On XX/XX/XXXX I sent a XXXX payment for {$260.00} to my brother in law to pay the internet bill. This is supposed to be an instant transaction but when I looked at my statement it was deducted on XX/XX/XXXX. 

My Account is stating available balance is {$1100.00} Current Balance states {$1500.00} There are many discrepancies, my husband and I have noticed with our account and we would like there to be some sort of rectification. The Navy Federal Representative did not provide detailed explanation. This seems to be fraudulent activity by the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: AR

Complaint narrative:
UPGRADE ( see attached file ) sent me an advertising flier stating that I had been PRE-APPROVED for a {$10000.00} line of credit after careful consideration of the information contained in my credit report. Therefore I applied since I had just received my DOT and XXXX numbers for XXXX XXXX XXXX and figured a line of credit may come in handy. Well, as it turned out I was DENIED for lack of a willing lender, after being PRE-APPROVED. I contacted the company UPGRADE and they explained the PRE APPROVED line of credit was a pre-approval to apply. I explained I did not need permission to apply anywhere, I was free to apply anywhere. I explained I felt their claim of PRE-APPROVAL was an intentional fraud to obtain my personal information and therefore asked them to honor their preapproved offer. They refused. Therefore I lodge this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been violated by XXXX on XX/XX/2020. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, AFNI INC. and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be AFNI INC. is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as AFNI INC. allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Transunion has bought my information without my permissible purpose and has access to all my information. Transunion, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of 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 explanation
Consumer complaint received 2021-12-21 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
So Exeter finance is reporting different information on each reporting agency, because of the incorrect information it is reporting they have already removed from XXXX and i am trying to get them to follow suit with the other reporting agencies. no help from the company to my numerous attempts. please can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone gave me a check and chase asked him if he was the one that gave the check he did not understand the question and answered no so in return chase returned the check and fast the person that gave the check corrected himself and got it on his account as a note Still chase has closed my account and from there i tried opening my account XXXX times it was closed every time Till someone at the bank told me to come back on the XXXX of XXXX and i did and she told me it should be ok Then i added a check of XXXX from the same company that gave me the last check And again chase is closing my account and will not help me and saying stuff that dont make any sense And Im not being helped at all Im being treated like Im not honest at all i need help and i need it fixed Im behind in my rent my credit cards because of this Im in a very bad situation because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I have lived at my home for XXXX months. I have repeatedly requested that they complete an escrow analysis in order for my payment be calculated correctly. I sent tax bills to the company and they still have not done so. I sent the tax bill on XX/XX/2021 and they in turn paid my taxes and my neighbor 's taxes out of my escrow account. I went to the tax office and inquired as to why. I was told it was an error on the part of the mortgage company. I have contacted the mortgage company AND provided the required information to them to correct the error and my escrow account still has not been credited and I am unable to get a date from them as to when this will be corrected. As a result, my escrow account is negative over {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: IN

Complaint narrative:
THIS PROCESS HAS CAUSED ME EXTREME STRESS IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID TRANSUNION, XXXX NOR XXXX WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$10000.00} XXXX XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXX  XXXX - {$0.00} TXXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$9900.00} XXXX XXXX XXXX - {$0.00}

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 non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
NAVY FEDERAL XXXX  NOBODY RESPONDED TO MY PREVIOUS CFPB COMPLAINT OR MY XXXX COMPLAINT TO EXPLAIN WHY THEY SUDDENLY MADE MY XXXX  CREDIT CARD IMPOSSIBLE TO USE FOR MY MONTHLY CELL PHONE BILL DESPITE THE FACT THAT I'D BEEN USING IT FOR XXXX YEARS WITH NO PROBLEM, I PAY MY BILL ON TIME AND IN FULL EVERY MONTH AND I'M NO WHERE NEAR MY CREDIT LIMIT!!!! THIS IS COMPLETELY UNACCEPTABLE AND I'M STILL WAITING TO BE CONTACTED BY SOMEONE WITH A NAME TO APOLOGIZE AND PROVIDE AN EXPLANATION FOR WHY NAVY FEDERAL FINDS IT NECESSARY TO REPEATEDLY FIND NEW WAYS TO XXXX ME OVER EVEN WHEN I'VE DONE NOTHING WRONG!!!!! IF NO ONE WITH AN ACTUAL NAME WILL CONTACT ME AND RESOLVE MY COMPLAINT AS I'VE REPEATEDLY REQUESTED, I WILL TAKE LEGAL ACTION IMMEDIATELY!!!! NAVY FEDERAL HAS ABSOLUTELY NO RIGHT TO DENY ME THE USE OF MY CREDIT CARD FOR A VALID TRANSACTION WITH NO EXPLANATION WHEN I'VE DONE ABSOLUTELY NOTHING WRONG!!!! THIS REQUEST SHOULD NOT REQUIRE NAVE FEDERAL TO TAKE MORE THAN THE 15 DAYS TO SATISFACTORILY RESPOND SINCE THEY'VE ALREADY HAD OVER A MONTH!!!! NAVY FEDERAL SUCKS!!!! CUSTOMER SERVICE SUCKS!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief