vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal Credit Union has reported my account as a " charge off '' when they 've been taking my VA benefits ( XXXX ) as payment for the last 3 years. My account with NFCU shows a XXXX balance and the VA has indicated that deposits are being made. They have not returned any phone calls, they have disabled my account online and I no longer live in a location where I can go to a local branch for assistance. They are showing up as a negative account XXXX on my credit report and as a result, my score has been significantly impacted. I have no recourse to address this issue with the bank directly as they refuse to return any request for contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Solutions
State: GA

Complaint narrative:
on XXXX/17 I called to pay off a debt, paid it in full and asked for the paid debt to be deleted/removed from my credit report. I was told it would. I called back to day XXXX/17 after pulling my credit and saw that it was n't and asked for a supervisor ( Credit solutions - XXXX, XXXX ) and he said it was company policy not to delete or remove from credit reports, he said that if the previous call recording proved that I was promised such thing - he would honor it. So I said, you are capable, please just do it, by your company policy do you realize you are keeping people from getting on with their lives. He then tried to shame me stating that it had been 2 years since the bill was put to collection and the only reason I was paying it now was because it was in collection- stating clearly that he felt he understood why I did n't pay the debt until now.. I stopped him and told him he would not turn this around on me and asked him again to please take it off my credit report. I should not have to explain why and ambulance bill quickly went to collections and then why it took so long to pay it. It is none of his business and it is bad business practices to refuse to clear the debt off the credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of identity theft and have some fraudulent and unauthorized collection accounts and credit inquiry listed on my Experian credit report that do n't belong to me. The following accounts do n't belong to me : XX/XX/XXXX, XXXX , XXXX {$1200.00}, XX/XX/XXXX, XXXX/ XX/XX/XXXX , XXXX/XX/XX/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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I need to file a complaint on behalf of Equifax. I asked them about 2 months two months ago to investigate a account by the name of XXXX I Never got any results or feed back on this fraudulent account I would Like for Equifax to delete this info since it has been well over 30 days.. And I never got response or a updated credit report with an update this is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been previously deleted, but continue to be put back on and I had no contract with these creditors.

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 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX PINNACLE LLC/RESURGENT XXXX XXXX XXXX, XXXX, SC XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have submitted a dispute with Experian for reporting a Public Record Bankruptcy on my credit report and have nothing has been done to rectify the situation. I have also complained and disputed a substantial number of inquiries that do not belong to me and as of XX/XX/XXXX, and still no attempt has been made to rectify that situation either. Per their representative I need to contact the creditors and request they remove the information. I have in writing and verbal per FCRA disputed the public record and inquires that are greatly affecting me especially with my job and I was informed they will not do any such thing. I also requested proof of verification of said public record which per Experian Representative was verified, and still have not gotten said verification. When I have contacted, Experian concerning my disputes I am asked to wait 30 days continuously. I sent certified dispute letters to Experian dated XX/XX/XXXX and XXXX, and XXXX and still nothing has been done to rectify the issues that I have experienced at the hands of this credit reporting agency. They are also reporting XXXX late accounts that was not there in the past and is reporting inaccurately. 

XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing Store XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing XXXX XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company

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 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a complaint about Chase Bank..I deposited a 3rd party check, I know for sure that the check is legit and the writing bank has no issue with clearing the check..Chase employees keep giving me the run around and giving me mixed information..They told me that the actual payee of the check would have to provide a phone number for them to call and we provided that info, there are actually XXXX numbers associated with her phone account that 's under her name which they say they ca n't verify any of the numbers ( how odd ) ..Then the first person I spoke with let me do a 3rd party call with the person who signed the check over to me, the second person let me do 3rd party call, of course I had to speak to several employees and still nothing accomplished, after speaking to the second person who also gave me her name I spoke to a third person who said that we could n't do 3rd party calls and also told me that they ca n't give me their name ( yes I know that she was supposed to give me her name ) to make a long story short they restricted my account and told me that once the check clears with the other bank then they will send the money back but my thing is why even let the check go that far? They should have just sent the check back to me or just cancelled the transaction out and let my account remain open considering that there is obviously no fraud in the situation because I have spoken to the other bank and everything is fine on their end..I never knew it was illegal to deposit a 3rd party check..The list of their bad customer service can go on for days, but my main concern is them restricting my account and not to mention they told me that I can put money into my account but I will never be able to touch it and that 's where all of my jobs sends my direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was foreclosed on by XXXX on XXXX 2017 and I did not receive any notice. I only received an eviction notice for XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I was denied credit based on inaccurate information on my credit report. XXXX and XXXX have zero balances.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have disputed items with this credit bureau more than once about a tax lien, XXXX bankruptcies, and unauthorized inquiries. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau tries to justify their actions, which are not acceptable nor tolerated. In regards to my disputes I went to the Federal court clerk and I asked them do they verify accounts to the credit bureaus about court cases, and they stated they do not verify with credit bureaus. First of all nobody has permission written or verbal to disclose about my personal affairs. They said the disputed items came back verified by the court, which the court said they do not verify, and in my case since I owe XXXX balance, zero liability that the case was vacated and dismissed. So I want to know where they are getting this third party information from. If it is not from me or the federal court, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything.

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Sent 609 letters asking for physical proof of verification of this account belonging to me I havent received anything in writing are as to proof this account belongs to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite 2 written requests, unverified accounts still remain on my credit report. The bureau stated in their responses that the accounts were listed as valid, however failed to send me the documentation that they used to verify the accounts as I requested in my letters of dispute. The company has ignored my request which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to Civil liability and the remedy available to me ( Section 616 & 617 ) If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

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 2017-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
When I went to One Main Financial on XXXX in XXXX to finish the paperwork for my installment loan I was asked about purchasing an Auto Plus Plan for an additional {$13.00} a month for 5 years and I told the loan officer I did n't want t hear anyone about it but he said " listen to me you have to listen to me '' and contributed to read everything about it. After he was finished I declined the offer. The branch manager, XXXX, sitting behind him said " I heard you decline that Auto Plus Plan? Why? '' I told him I was not interested and he continued to argue with me pressuring me to buy this and it had nothing to do with unsecured installment loan I was in there to finish up. I told him that I was not comfortable with it the pressure they were giving me to purchase this product. I feel this is unethical to try to push products unrelated to the loan I 'm taking out and pressuring me to buy it and when I decline to continue to push and question why not and this was manager pressuring they was ease dropping on my conversation with loan officer I was dealing with. It has really bothered me that they are able to push products like this on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This debt is no mine. I have told them over the phone several times this debt is not mine. I have asked the company to show me validation of debt. They have shown me none accept my name dob and social are incorrect.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is still listed on my credit report with a debt owed to XXXX. This account has been paid and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello, I am filing this complaint against Experian credit credit bureau. They are reporting inaccurate information on my credit report. I have previoulsy disputed the information on my credit report and have n't received a resolution to the matter. There are several accounts reporting that do not belong to me as well as all inquiries I have reviewed on my report. I have filed a police report in regards to this matter. I am requesting that all hard inquiries be removed immediately as well as the XXXX accounts in collections that do not belong to me as mentioned before! They were also inquiries that were removed and added back to my report with giving me 5 day notice which is required by the FCRA. This is a violation of this statute. I will continue to pursue all actions accordingly until this matter is resolved. I have provided a copy of my identification to speed up the process.

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 2017-04-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a purchase of {$1000.00} on my Bank of America credit card. My receipt clearly shows the amount as {$1000.00}. The merchant inavertantly entered the amount into the credit card machine as {$10000.00}, {$9000.00} more than it should have been. I filed a claim with Bank of America. I saw no results so I called in to follow up. I was told it was because I had not submitted the receipt. I faxed in the receipt. I then got a message and uploaded the receipt. I then got a letter I signed and submitted the receipt a 3rd time. I then received a letter saying the claim was denied because I had not submitted the receipt. I went back to the merchant and had them refund {$9000.00}. The credit has not appeared on my account. I called back in and was told that my receipt did not have my account number on it, so my claim was denied. I called in again and learned they called the merchant one time but were not able to get hold of them. They supposedly called me one time, but did n't leave a message. I finally got a supervisor on the phone and had her call the merchant. I will be receiving the refund, but I will be paying the interest on the transaction. Bank of America did n't even try to resolve this until I was on the phone with them and forced their hand. At this point they promise me I will receive the refund on Monday, but I lack any confidence in BOA.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was unknowingly and illegally billed by Experian credit monitoring for over 18 months. They refuse to refund the money while admit that I have never logged into the services. When asking to speak to a supervisor or compliance officer the request was refused. I have been unknowingly charged over {$500.00} in small increments over time and it is apparent that this fraud is rampant. Upon further pressing, the representative said I needed to write to the consumer relations office and physically mail the complaint to a P.O. Box. They would provide no phone, fax or email address. This is a clear attempt to make complaints challenging. 

When you call Experian the first option on the phone is to cancel the account. It is clear this is the case because of the high volumes of people calling to cancel unwanted or unknown services they are being illegally charged for. This is a terrible way to make profits on victims, not customers. As I have never once used the service, I deserve a full refund. This is very similar to XXXX, opening unwanted accounts without their victims knowledge. 

There is great irony in a supposed credit monitor service actively and knowingly committing fraud on consumers.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
With XXXX I had some address that showed up on my credit report that they said they received from experian. They also placed some XXXX pages of paper work that hey sent over to equifax. Sharing my personal information with out my content is a direct violation of my rights under FCRA.

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