vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have banked with Navy Federal since XXXX. I still bank with them actually today in XXXX. I recently applied for two refinancing car loans. I received a email and text confirmation that navy Federal approved one of the car loan. The following day they called me from the charge off department stating that I had a charge off so they couldn't approve the car loan. I asked them when and how much was the charge off. They stated that it was from XXXX and the amount was {$1200.00} or something rather. I told them that I've never been notified about this account and that my information has always been up to date. They stated that they sent out a notification XX/XX/XXXX and that was the last time they sent something. So from XX/XX/XXXX until XX/XX/XXXX I was never notified by anyone from the financial institution that there was ever a charge off on my account. I was still getting bank statements for this " charge off '' account in XXXX with a positive balance. They stated they dont keep anything past 7 years. They stated if I set up automatic payments then they will lift the charge off so the loan can go through. I did so. They transfered me to the loan department and they said they can't do anything about it that it was the charge off department. So now I've been on the phone for 4 hours getting transferred from the loan department and the charge off department. And no one is on the same page as the other. I spoke with 4 employees and 3 supervisors and no one was of any help. Here is the kicker. From XXXX to now I have financed and refinanced 5 cars, 2 personal loans, and 2 credit cards. Which were all approved! Not to mention they approved my loan to the other car the day before! They told me that the charge has always been there and no one should have approved any of my loans. I nor my spouse was told anything when we applied. We still have 4 car loans, 2 personal loans, 2 credit cards, 3 saving accounts, and 2 checking accounts from navy Federal. If navy Federal can not tell me where and when this charge off happen besides how it just miraculously popped up, im not going to shell out {$1200.00} for an error that navy Federal fail to do. It is not on my credit report and they stated it is not going to be because it was not a loan but I have had a charge off checking account with another bank years and years ago ( XXXX ) and that was on my credit report. Navy Federal employees and supervisors can not give me a direct answer besides I need to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Transworld Systems received a collection account on me for a medical bill from 2 years ago. It was {$260.00} and the original creditor was XXXX XXXX. It had been billed to my health insurance and I thought they paid it. I tried to refinance the mortgage on my house and when they pulled my credit report on XX/XX/20 they informed me that Transworld had a collections item on there, and because of that I was denied my refinance. I called Transworld on XX/XX/20 and asked them what they did to notify me of this debt before sending to my credit and they told me they sent me a letter. When I asked for proof of it or a date they sent the letter, they admitted to me that there was a mistake and they never sent me a letter to notify me. I explained to them that since they reported to my credit without any attempt to contact me, they needed to clear this up with the credit bureaus and get it taken off my credit and they refused even after I paid the balance. I did a dispute with all 3 bureaus and they all updated it to say " paid in full '' but are still not removing it from my credit. The next week I received a letter in the mail from Transworld notifying me of the account ( the letter they should have sent to me as soon as they got my account ) dated XX/XX/20 so it seems to me they sent it out when I called them on XX/XX/20 to attempt to cover their tracks but they had already reported it to me credit before XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Westlake Services, LLC
State: NC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, WESTLAKE SERVICE INC add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-08 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, WF CRD SVC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank closed my account and refused to provide the reason. I don't carry a balance on this account and didn't use the card for sometime. Was it closed due to inactivity?

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 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have no idea what theyre trying to collect but they call from multiple different numbers a day even after I told them to stop calling this number. Theyve also reported an account thats affecting my credit multiple times. Ive had it removed once and now it happened again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX [ CreditorName : XXXX XXXX Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.

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 2020-12-08 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX [ CreditorName : XXXX XXXX  Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, Equifax XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: MA

Complaint narrative:
I received a letter in the mail today from a company called afni, attempting to collect {$86.00} on behalf of XXXX XXXX XXXX. They just keep selling this balance to a new collection agency and I keep disputing. I win the dispute and then find out it's been sold to another company. THIS SHOULD BE ILLEGAL! 

When I was with XXXX XXXX XXXX, I did NOT have the service I was paying for. I run an online business from my phone and was not getting internet service. If you review my records with XXXX XXXX XXXX, you will see that I called them MULTIPLE times, saying that I could not work like this, without the internet working. 

Also, before even signing up for XXXX XXXX XXXX, I went into an XXXX XXXX XXXX store and a sales representative quoted me for a monthly service, after we discussed plan options. He wrote the monthly amount on the back of his business card for the plan we decided upon, but I told him I would think it over and come back the next day. ( I was with my previous company for 15 years. ) I DID go back the next day and was told that the promotional plan rate we talked about had ended -- but not to worry! I could sign up, and then call customer service and they'd honor it because I had just been in the store. Well, guess what? That did not happen! They did not honor the agreed on monthly amount that I signed up for! So, also look at my account for that. I called on DAY ONE! 

I am tired of huge companies like this being bullies, changing things, and not caring at all about the violation. It's wrong! Why should I have to pay for ( 1 ) a price offered that was not honored and ( 2 ) I did not even receive the service that was to be included in the plan! 

The collection agency told me I could " just pay {$50.00} '' to make sure it " didn't get on my credit bureau '' but that too should be illegal! Why should I have to pay a single XXXX to avoid having something put on my credit bureau that I don't owe, under a company that used misleading tactics and didn't provide the service they provided? 

Also, once a dispute has been determined to NOT be owed, why is it allowed to then be passed on to another collection agency?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: OH

Complaint narrative:
I have an account from XXXX XXXX # XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. 
This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : VIVE FINANCIALPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 



My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I filled for bankruptcy in the state of North Carolina. I made my payments faithfully to the trustee. On XX/XX/XXXX, the bankruptcy was dismissed. At that time I notified Chrysler Capital that I would be making regular payments on the account until the monies that I paid into the court were returned to me, then I would pay the full balance to catch the account up to date. I made a payment on XX/XX/XXXX and XX/XX/XXXX, I also made an extra {$100.00} XX/XX/XXXX. I plan to make another payment on XX/XX/XXXX, when I receive my next Social Security XXXX payment. I was advised that it could take up to 60 days for the funds from the bankruptcy court to be returned. My car was repossessed with no notice that they were going to do that. I advised Chrysler Capital 3 times of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: AZ

Complaint narrative:
This is not mine, not sure what to say. I have never dealt or had business with XXXX XXXX or collection agency " Professional Bureau of C ''. They will not stop reporting to credit bureau XXXX, they lied to XXXX. Trying to strong arm me into giving them money so they'll stop harrassing. Requesting they stop reporting and correct the report by telling XXXX  to delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have been a with COMENITYBANK/VICTORI  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX  reports 3 different dates under date of last activity even after their verification, TransUnion XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.

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 2020-12-08 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX  reports 3 different dates under date of last activity even after their verification, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CA

Complaint narrative:
I've been sending the requested information to the credit bureaus regarding my identity theft case but i'm not getting any help.

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