vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I've been a member of Navy Federal since XXXX. I've worked with them during difficult times over the years. I've had a car loan and multiple credit cards. I fell on hard times and was educated on the SCRA program specifically the Ohio revised code. Back in XXXX I requested it and was told by the clerk in the XXXX office that I was not eligible. When I found out that I actually was and the information given to me was incorrect I was already XXXX. I requested it in the summer of XXXX and received no reply. I followed up on the request and was told I was ineligible because I was XXXX. They stated that they reviewed the archives from XXXX and couldn't find the request but this was because I requested it inside the branch on base in XXXX. They can see when I opened the account for my daughter but not the SCRA request. I served 20  years of faithful service to the US Navy and Navy Federal Credit union on to feel as though none of it mattered and I was just a cash cow who had military deposits sent to Navy Federal via DFAS for 20 years but I am not eligible for SCRA benefits? I am a 100 persent total and permanently XXXX veteran and time are hard. It is extremely disheartening to feel as though this company cares nothing about the people who help keep their doors open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
You must remove this account Immediately. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sold an invalid debt to Midland Credit Management and now Midland Credit Management is threatening to sue for this debt. I never opened this account, never authorized this account or had any knowledge of this account. I was first made aware of the situation when it first appeared on my credit report in XX/XX/XXXX. The account showed that it was already XXXX  days past due even though it was not reported on my credit reports in previous months. I then did research and learned how to dispute the false account. In XX/XX/XXXX, I mailed multiple dispute letters via certified mail to XXXX requesting they remove the account and provide details and statements so that I could better challenge this debt. I did not receive any of the requested information from XXXX I challenged the information directly with the credit reporting agencies and after their investigations, all XXXX deleted the fraudulent account from my credit files in XX/XX/XXXX. 

XX/XX/XXXX this account resurfaced on my credit reports as a collection account by Midland Credit Management. I received a notice dated XX/XX/XXXX from Midland Credit Management that threatened to sue me if I did not pay by XX/XX/XXXX. I have filed disputes with Midland Credit Management thru their website and sent a dispute letter via USPS today. I have also challenged this account thru the credit reporting agencies. I don't have confidence that they will correct this issue in a timely manner ( if at all ) since they are so quick to threaten legal action. I ask that you intercede to right this unfair collection action by both XXXX and Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX does not follow The Truth In Lending Laws 15 usc 1601. I feel like my privacy as a consumer has been breached. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX XXXX XXXX XXXX . They are wrongfully trying to benefit from my credit card that I used to initiate a consumer credit transaction with a finance charge involved. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved 15 usc 1605. When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I dispusted the debt and aske how was it valid and verified, they never told me who the name an address of the original creditor is pursuant 15 usc 1692g ( 5 ) ( b ). This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I want them to do right by me as a consumer by federal law, as well as the credit bureaus.

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 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank account for my XXXX business is being used to launder money. 
XXXX was taken from my account. XXXX $ was then charged to my account for withdraw. Around 400-500 worth of my daily transactions were recycled to extract this amount. And a total of XXXX $ was theamount missing for this month in my business account along with a XXXX check I dont recognize. My ending balance was a negative at the end of month. XXXX If you look at my personal account my beginning balance was extracted. A check was entered early in the amount of XXXX to cause an overdraft fee. My paycheck was then entered late and I was charged XXXX $ when the bank stole XXXX $ from my account after depositing it. The XXXX dollars charge was never recorded and The ending balance is XXXX $ off I was charged XXXX as they manually enter the other transactions on a different date. The payments I make are sent through twice authorized on date taken out the put through again to extract a double payment. Also another paycheck from XXXX XXXX is missing from bank. This is what I need to do my taxes and you cant provide it to me because my bank has been racketeered. Also a check in the amount of XXXX was not recorded as well on XXXX when it was deposited from XXXX my other job. So two checks have gone missing from my account this month. How do I get my taxes done or how does the XXXX then get their work accurate with banking like this? My XXXX claim was just denided due to your banking practices so thats another loss thanks to you for XXXX. 

This is a ton of money!!! In one month. 

Both accounts should have had money in them not to occur any more fees.

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 2021-03-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: NC

Complaint narrative:
My complaint is regarding the mishandling and negligence of our home construction loan by XXXX XXXX. The primary complaint is that Homeside induced me into signing the agreement by making promises to me and my wife in regards to how Homeside would manage our construction loan. We were assured that Homeside had our best interest at heart as this was our first home build. Prior to closing, our Homeside loan consultant explained the loan disbursement process. It was explained to us that prior to any funds being disbursed, inspections would be completed on all requested draws by the bank prior to disbursement, this was not done. Lien waivers would also be required from subcontractors and material suppliers within 30 days but unfortunately, this was not done. Our contract with XXXX XXXX also states they were to do these two things. They simply were not done. As a result to this noncompliance, multiple mechanical liens were filed against our property and we were approached by many unpaid subcontractors. It became apparent to us several months into the project that our unscrupulous builder had a prior relationship with our construction manager which was never disclosed to us by XXXX XXXX. 
Unbeknownst to us it was discovered that the builder was given funds without our knowledge, his risk insurance had lapsed, and his builders license was invalid. Needless to say, all of these infractions resulted in underfunding of our construction loan and left us with gross insufficient funds to complete our home. Our counsel repeatedly reached out to Homeside to assist in rectifying our dilemma, to no avail. Lastly, XXXX XXXX falsely filed a 1098 form with the IRS, representing that we used 100 % of the loan. When in fact that was not the case as they withheld a portion until construction completion. As of today, construction is still incomplete.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: NJ

Complaint narrative:
This complaint is against Capital One/Kohls and then their reporting on my Consumer Report - and with respect to FCRA/FDCPA. 

Complaints have been filed and with each CRA, for the incomplete - and then inaccurate reporting done to tradelines on my report. As per FCRA - they must be complete - and then accurate. 

My stance is from an tech/integration/reporting point of view - you, collect, store, manage then then send ( integration/file ) to a CRA - and, there are innate problems. 

Imagine if - your kid came home with a report card, and - there is no name, then there is no score, the semester is never identified - is it real? 

Understanding this - key attributes that anchor an account on a consumer report in a CRA - expect fields ( not text ) to reside on the tradeline for accurate reporting and, better - score calculations. The best tech teams in the world would NEVER use a free form comment/text field in an algorithm. Your reporting on mine - and as listed isn't complete and/accurate. 

XXXX. All Accounts in Question ( attached ) have a " ( CLOSED ) '' in their description XXXX. Account Numbers - are wiped out, blank - NULL XXXX. Available Credit - is displayed, populated - when - a closed account and regardless of the reason - is like - impossible XXXX. Debt to credit Ratio - applies to open accounts - i.e, how much of the credit extended are you using XXXX. Payment/Balance/Rating History is wiped out - blank - NULL XXXX. When Pay/BAL/Rat history is blank - there is no was to see the natural progression of the account XXXX XXXX ) and then where of when a DOFD and its amount occurred XXXX. Once Closed - there are no terms XXXX. Date of Last Activity - blank, impossible to tell when there was a payment or amount increase XXXX. DOFD/FACRA Date - your DATA anchors to this tradeline are NULL XXXX. DATE CLOSED - where is this value? XXXX nowhere in the PAY HISTORY as a CLS ), nor populated in this field. Is the account still open? 

XXXX. Creditor Classification - is set to UNKNOWN, I am sure your organization know what they are The Tradelines you are reporting, and this complaint is across ALL CRA 's - are INCOMPLETE and then INNACURATE, and based on METRO2 Standards of integration and reporting. As a DATA FURNISHER - please fix the issues as so noted, or DELETE them. 

Attachments are provided for your convenience, and from XXXX While they are not all - all of your tradelines look exactly, the same. This issue ( as you program to METRO2 industry standards, and then as mandated from each CRA ) is tied specifically to the consumer 's right for TRUE ACCURATE and COMPLETE reporting as per FCRA/FDCPA. 


Please fix your tradelines - or delete them all, and from each CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This complaint concerns HELOC loan account number XXXX. This loan was paid off on XX/XX/2021 in anticipation of the sale of the residence. I received a letter dated XX/XX/2021 from the bank indicating the loan was paid in full. However, they have refused to file the proper paperwork with the County Recorder of Deeds in a timely manner. This will be holding up my closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TN

Complaint narrative:
I applied for credit and denied and upon like at my credit I notice this collection : AFNI/XXXX  {$860.00} reflecting my credit report that does not belong to me nor did I apply for any credit with this company. I have contacted this company and XXXX  about this issue and consisting receive the same frivolous response that is incorrect and fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I started disputing some inaccurate accounts and collections on my credit on XX/XX/XXXX with a follow-up dispute sent on XX/XX/XXXX. I just completed another XXXX today, XX/XX/XXXX however, during this entire time, none of the bureaus have responded or sent me any correspondences regarding my disputes. I don't feel as though they're doing what they're legally obligated too, even if it's just sending something that they received my dispute, but they haven't even done that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TX

Complaint narrative:
I started disputing some inaccurate accounts and collections on my credit on XX/XX/XXXX with a follow-up dispute sent on XX/XX/XXXX. I just completed another XXXX today, XX/XX/XXXX however, during this entire time, none of the bureaus have responded or sent me any correspondences regarding my disputes. I don't feel as though they're doing what they're legally obligated too, even if it's just sending something that they received my dispute, but they haven't even done that!

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 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This complaint is a continuation from CFPB complaint XXXX. The previous complaint was closed out by the CFPB without any verification performed that XXXX had remove the phone number XXXX XXXX XXXX XXXX from its database ( s ) related to debt collection, and phone calls in general. 

I am still receiving phone calls from XXXX XXXX on this number. The last call received from XXXX XXXX was an automated phone call on XX/XX/2021 at XXXX pm CST. 

As I stated in the original complaint, simply having a financial institution say something has been done isn't an appropriate fix. Root cause analysis has to be done for why the number is being called in the first place. Clearly, the root cause of why this number is being called has been left unaddressed.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-644XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am submitting a complaint in regards to my wayfair account that is held by commenity bank. Back in XXXX of 2020 my account was closed by the creditor due to XXXX taking them over. I never had a physical card with wayfair and no account number. I had to pay this card via wayfair 's website. Well in XXXX when they closed down the website went down as well. I contacted wayfair back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of 2020 wayfair called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor ( my request ) what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from wayfair be removed off my credit reports. I pay all my bills on time and my credit is extremely important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested my credit reports on https : XXXX 

TransUnion indicated they were unable to validate me online and required me to submit my request by mail, which I did. 

TransUnion responded by mail ( attached ) that I had already received a free annual credit report in the last 12 months and would have to pay an additional {$8.00}. 

It is my understanding that these reports are supposed to be free due to the pandemic : https : XXXX I need help getting TransUnion to comply and provide me my free 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