vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, Equifax announced a data breach that exposed the personal data of hundreds of millions of people. The company agreed to a settlement to help those affected by the data breach. I filed a claim with Equifax on XX/XX/XXXX. I have proven I am a victim yet it has been XXXX  months and they still have no t compensated me. I have sent them multiple communications asking them what I can do to expedite the process and they provided no legitimate answer. I asked them why it has been taking so long, and they have provided no legitimate answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
Genesis company keeps calling me with varying phone numbers. They have called repeatedly every month and its an automated call saying to contact a representative press star or contact XXXX XXXX. I have tried to research the company or the website to see what they are talking about and all I can find is that they are a housing apartment complex creditors based out of Washington state which I have never lived in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: NY

Complaint narrative:
I am recieving statements from Mohela account # XXXX These statements are for a loan that I did not Co sign. 

My Daughter XXXX XXXX XXXX has XXXX loans that she pays through XXXX XXXX She went to XXXX XXXX XXXX XXXX XXXX co signed XXXX My daughter XXXX XXXX XXXX signed XXXX I need help clearing up this mistake that now appears on my credit report. 


XXXX XXXX XXXX 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 2024-05-13 00:00:00
Product: Credit reporting 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 recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: HEARTLAND FINANCIAL USA, INC.
State: CA

Complaint narrative:
I was contacted on my phone by someone claiming to be from XXXX investigations. They said I had been hacked and that at least XXXX locations had my bank account information and SSN. The person I spoke with identified herself as XXXX XXXX, federal badge no. XXXX. She gave me a case id. of XXXX. She transferred me to someone who identified himself as XXXX XXXX, employee no. XXXX, Asst. Dir. Investigative Dept., US Marshall 's Office, Treasury Dept. He gave his phone as XXXX. He said he was working on behalf of the FDIC. He wanted me to go to my bank and withdraw all my funds and give them to someone who would come to my house to pick them up. When I told him that this was not going to happen, he said I was speaking improperly to a federal officer. He also said if I did not deal with him properly, I would have to appear in federal court in Washington , D.C. I am a XXXX XXXX and appeared in court in D.C. many times, so I suspected this was XXXX. I repeated that I was not going to withdraw my money and give it to anyone. He then hung up. I went to my bank and told them all of the above and assured my accounts were locked down, not available via internet or ATM, just me personally coming to a teller at the bank. I then wrote my bank stating all of the above. Tomorrow when my bank can handle it, I will have them change all my account numbers.

CFPB : Please stop all new accounts being opened in my name or using my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Based on. 
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOL 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 XXXX the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer XXXX agency WRITTEN CONSENT to report anything on my consumer report which viol rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI

Complaint narrative:
i made payment on XX/XX/XXXX and it did no get posted until XX/XX/XXXX and now and im trying to refinance the loan and can not get it done because this was posted until janruary. i recieved confirmation of payment recieved on XX/XX/XXXX it did not show up late or get dinged as late payment but because it was not posted the same day i made payment underwriting is declining the loan saying the payment was late. i have requested this get changed and need this done asap to get my loan approved.,

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX CO Account Number : 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Summary of Concerns Regarding Navy Federal 's DEBT COLLECTION - In XXXX, during a phone call to make a payment, XXXX disclosed that she was being trafficked and held XXXX, pleading for assistance from Navy Federal. 
- Navy Federal responded by terminating all communications with XXXX, showing a lack of empathy and disregard for her well-being. 
- Despite providing evidence of the circumstances, Navy Federal failed to address the fraudulent charges and outstanding debts, neglecting their duty of care. 
XXXX XXXX 's attempts to rectify the situation regarding the stolen vehicle and fraudulent charges were met with indifference from Navy Federal. 
- The termination of communications and lack of assistance from Navy Federal resulted in significant distress for XXXX, leading to hospitalization due to a suicide attempt. 
- Despite stating they will no longer attempt to collect the debt, Navy Federal has not accommodated XXXX 's XXXX by refusing to allow her to call in or visit in person. 
- Navy Federal garnished XXXX 's wages of {$930.00} on XX/XX/XXXX, causing further financial distress and contributing to eviction issues. 
- Navy Federal 's assertion of terms and conditions found on their website is unfounded, as no such documentation exists in the lease, agreement, or loan terms. 
- XXXX paid over {$100000.00} towards her credit card in XXXX alone, with a credit limit of {$26000.00}, yet has never received the treatment deserving of a flagship member since becoming one in XXXX. She has faced discrimination based on her identity theft and background.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WellsFargo promised XXXX $ for new acct bonus- they confirmed that all requirements but not paying the bonus by giving 12 month opening requirement which is not mentioned in account opening offer.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Capitol One sent CFPB a statement stating my debt was sold but did not supply the last billing statement which would statement the debt is more than 10 years old an should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-13 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I called Bank of America to remove a charge from XX/XX/year>. I ordered a product from XXXX, a mens health company, which I never received. 

After 4 months of waiting and communicating via email with XXXX, I eventually asked for a refund which I never received. I then contacted BoA and opened a dispute. I provided BoA the entire email string between myself and XXXX which clearly shows that I was charged and never received what I ordered. BoA closed the claim due to lack of information. 

I tried reopening the claim and 2 different operators kept send me to different departments, pushing the problem onto someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently ensured that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons for the reported late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have settled with cendence as agreed by both parties. 
I have paid off XXXX XXXX XXXX as agreed by both parties. 
I have paid XXXX loan as agreed by both parties. 
I have paid XXXX XXXX in full as agreed. You are reporting these account 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 2024-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2024 I noticed 4 charges in my checking account that were made in Massachusetts. I live in Texas. I have never been to the state of Massachusetts in my lifetime. The charges were made to a XXXX and also a gas station, according to XXXX, in the state of MA on this date. The charges totaled {$880.00}. I called my bank and they reversed the charges and also began their own " investigation ''. 

As of today, XX/XX/2024 I noticed those charges were deducted from my account again and called my bank to ask what it was. They told me that upon a thorough investigation they decided these charges were not fraudulent. This is gross negligence and poor investigating. These are absolutely 100 % fraudulent charges. I can prove other transactions that occurred that day made by me in my home city of XXXX, Texas. I can not fathom a thorough investigation did not pick up on this. 

This is disturbing to know I bank with someone who can not properly investigate fraud charges and then take my money that was stolen at one point and then taken from me again and stating it was legitimate for them to do this. I need my money back. It is my money and it was stolen from me before and now it has been again. This is horrible practice by a financial institution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to express my dissatisfaction with the continuous {$29.00} Returned Item Fee charges by Navy Federal Credit Union on my account from XX/XX/2023, until XX/XX/2023. Despite my account being locked and my credit card being under a credit consolidation program to pay back debt, Navy Federal Credit Union repeatedly charged this fee in XXXX, XXXX, and XXXX of 2023 without providing any explanation or prior communication regarding the charges. 

The total sum of {$200.00} was reached due to these repeated charges, which XXXX XXXX has now sent to a third-party collections company. I am deeply concerned about why XXXX XXXX continuously imposed a {$29.00} fee without any clear communication or justification for the charges. As a customer, I believe it is essential for financial institutions to adhere to transparency and provide clear explanations for any fees incurred. 

Furthermore, considering the new regulations introduced by the XXXX administration XXXX junk fees, I strongly believe that the continuous imposition of the {$29.00} XXXX XXXX XXXX without proper communication falls into this category. I am disappointed by the lack of clarity and communication from Navy Federal Credit Union regarding these charges. 

I kindly request a thorough investigation into this matter and urge Navy Federal Credit Union to provide a detailed explanation for the continuous {$29.00} fee charges. Additionally, I would appreciate a review of the fees imposed and a reconsideration of sending the accumulated amount to a third-party collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I've identified fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I've identified fraudulent inquiries 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