vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX I owe {$520.00} for a canceled contract on XX/XX/XXXX. The contract was canceled because XXXX could not receive a signal for their services at my location. I had a technician try multiple times to resolve the issue. When he couldnt, because of my location, he said there was nothing he could do and I should cancel my contract. I have sent multiple letters to XXXX and 3 other debt collection agencies represented by XXXX disputing the debt. Each time I contact a debt collector they say XXXX recalled the debt and I need to contact XXXX. The last debt collection agency I contacted was Convergent, I spoke with XXXX XXXX. The last person at XXXX I talked to was XXXX ( employee number XXXX ). She is XXXX XXXX Senior Account XXXX. I disputed the debt with both XXXX and XXXX on the telephone on XX/XX/XXXX because both said they had not received a letter stating I disputed the debtXXXX XXXX is saying I did not give them enough time to resolve the issue but the technician was not putting all the information about appointments on file. I sent all hardware I obtained back to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has allowed someone to cash a fake check on XX/XX/2022 in amount of {$200.00}, although they gave me temporary credit the issue was never solved. 

On XX/XX/2022 Bank of America allowed someone to pay their power bill to XXXX XXXX XXXX in amount of {$440.00} On XX/XX/2022 Bank of America again allowed someone to pay their power bill to XXXX XXXX XXXX in amount of {$350.00} The issues were never resolved and my account is currently negative - {$930.00} There were several overdraft fees that were also charged. I can not use this account again fearing the same thing will happen. Bank of America can NOT be trusted

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 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I had a XXXX retail card and i paid off the balance and asked if the insurance plan could be cancelled since I did not need it anymore. on XX/XX/2022 when I made the payment, my balance was {$11.00}. 
Three months later XX/XX/2022 I received a notification that TD Retail Card service reported a late payment on my credit report. I called them to take care of it and I provided a dispute form on faxed to the number on the dispute form on XX/XX/2022 and XX/XX/2022. They did not receive it. I then mailed via the post office another dispute form. I called on XX/XX/2022 and they said they received the dispute form and it was being review. I called today XX/XX/2022 and they said they just received it on XX/XX/2022. Now this will be reported again to the credit bureaus for the 3rd time and my credit score is taking a huge hit. They are reporting I am late paying late fees. I should not have any late fees. 
Please I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Ad astra recovy serv and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
XXXX ( Original Creditor : XXXX SANTANDER CONSUMER USA INC ) has been fraudulently reporting on my personal credit. This account has been addressed with XXXX and Santander under the fraud they have committed against consumers. I have sent certified mail return receipt and still its reporting. This debt with Santander is FRAUD and they sold it to XXXX after they claimed it was resolved. I am so tired and frustrated from these antics. How do they get away with violating a consumer. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with NAVY FEDERAL CREDIT UNION. I have been misled by NAVY FEDERAL CREDIT UNION AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the Business XXXX  ending in XXXX. NAVY FEDERAL CREDIT UNION has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, NAVY FEDERAL CREDIT UNION received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). NAVY FEDERAL CREDIT UNION has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, NAVY FEDERAL CREDIT UNION has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with NAVY FEDERAL CREDIT UNION. I did NOT knowingly and willingly agree to an unconscionable agreement. NAVY FEDERAL CREDIT UNION has conspired and restrained trade and commerce which is ILLEGAL. NAVY FEDERAL CREDIT UNION has closed and charged off both of my credit cards which is discrimination and an adverse action. NAVY FEDERAL CREDIT UNION has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. NAVY FEDERAL CREDIT UNION has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXXs you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-14 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: FL

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: WI

Complaint narrative:
I have been monitoring my credit reports with credit karma since 2013 and for the past 5 years they have ruined my credit with multiple infractions; including but not limited to reposting old closed credit accounts as new open debts, marking late or missed payments on accounts and never dropping them after our Leander reached out to them on several occasions with proof of on time payments made. The offered loans and credit cards that I never would have initially applied for if they weren't guaranteeing excellent approval odds, just to be denied and lose credit points. They have been the reason my score is constantly up and down because a lot of the reports have inaccurate information even though I am constantly sending them disputes on the old/paid/closed accounts, inaccurate approval statuses and inaccurate payment status history. This company is unethical and needs to be monitored more carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit XXXX XXXXXXXX and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.

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 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I applied for consumer credit on XXXX XXXX with Pen Federal. I was denied and sent an email stating why. On XXXX XXXX I called and spoke with XXXX the assistant manager in finance regarding the application. I was told that I was denied do to having too many inquiries. I then stated to her that I used my social to access this consumer transaction which is based on my unlimited credit. I also stated that they are in violation of 15 USC 1611 by denying me this. She told me I will also recieve a letter in the mail stating this. I told her that I'm aware of the step that are taken. I also stated that they are in violation per Regulation B and many other laws that their " key factors '' are unacceptable and that they should be compliant with the ECOA.I asked to speak with the underwriter and was told that the underwriter only makes calls if he is needing more information from the consumer. XXXX then stated that she could have her supervisor give me a call. An hour later I received a call from XXXX. I explained to her everything that I explained to XXXX. She then stated that I was denied specifically do to my credit score. I asked if I could get that sent out to me stating that exact reason. I was told " no, and that I should try to get my credit score up more ''. Per the ECOA under 'Prohibited Practices, Credit Scoring Systems , and Judgmental Evaluation System '' and many other laws they have take adverse reaction against 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 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Navy Federal Credit Union adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you Navy Federal Credit Union are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I was ill, I lost my income, I tried to negotiate with the bank to try to do a modification, recently I tried to do a short sale in order to preserve my credit and maintain hopes that in the near future if my financial situation turn around I will be able to purchase a home for me and my family. The lender has stalled my request for mortgage assistance as they have denied a 3rd party authorization to speak on my behalf although I have granted them permission. The mortgage has several violations 1st the lender does not have the original mortgage note and has not presented the original mortgage note 2nd the lender has not acted in good faith to resolve this matter with me 3rd the lender although I had covid and my family was ill the mortgager did not acknowledge or offered me any COVID relief during the period thaXXXX XXXX XXXX XXXX 
4th the mortgagor failed to comply with RPAPL 1304, 1306 & 1307 Finally I would like a full copy of my mortgage records to be forwarded to me from the lender which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I was going to co-sign on a student loan for my granddaughter. The company would not approve the request. The company claimed these key factors affected their decision : Too many accounts with balances, too many inquiries last 12 months, proportion of balances to credit limits is too high, amount owed on revolving accounts is too high. All these factors are moot. Most of all my credit cards are down to less than XXXX balances. The reason for inquiries is that I am in the process of buying a house in Oregon. My credit score is XXXX as listed, yet they refused the loan. The credit reporting is behind current status. They should be brought up to date. Equifax is known to report incorrect data, please advise them to check the dates listed as these factors are from past months and not current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: GA

Complaint narrative:
Delete Collections from AFNI from XX/XX/2022. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; XXXX XXXX debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
All the accounts and inquiries listed below are all fraudulent and were opened without my conscent. And it is against the law to report fraudulent account. 

Equifax Fraudulent Accounts XXXX XXXX XXXX Account Number # XXXX Account open date XX/XX/XXXX Balance {$1200.00} Equifax Fraudulent Inquiries XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation