vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XX/XX/2023 I wrote and mailed a check from my business checking account for {$6000.00} payable to a general contractor, XXXX XXXX and XXXX. The check number was XXXX and dated XXXX XXXX. On or about XXXX XXXX, the payee attempted to deposit the check via mobile app to their account at XXXX XXXX. The deposit was supposedly unsuccessful, so the payee attempted to deposit the check in person at a XXXXXXXX XXXX XXXX 
On XXXX XXXX, the {$6000.00} cleared my account. However, a few days later, the payee informed me that XXXX XXXX  reversed two deposit transactions - one called a " return '' and one called an " adjustment ''. The net effect for the payee 's account was {$0.00}. However, my checking account remains {$6000.00} less because the funds were never returned to my account. 
I have attempted to resolve this with my bank, Navy Federal Credit Union, which claims they are not holding the funds. XXXX XXXX  says they never received the funds and therefore can not return my money. Neither institution seems to know ( or care ) where the funds are, but all parties agree that they are not in my account. I have verified the funds have not been returned to me as of today, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor : SYNCB/XXXX has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was evicted from an apartment in XX/XX/XXXX due to new onset medical conditions. The debt which at this time is XXXX XXXX XXXX was disputed with all 3 major credit reporting agency 's. XXXX XXXX, XXXX and Experian. i disputed this debt with all 3 agency 's last year and it has been removed from 2 of the 3 agency 's. However, experian shows that there are XXXX accounts with a total debt of {$4200.00} updated on XX/XX/XXXX XXXX i have contacted experian and they continue to lie that there is no debt on my account but the balance persists. Experian has gone as far as prohibiting me from disputing the issue online and no help on the phone. i am looking for help as it is hindering my abillity to purchase a vehicle and building positive credit. Please 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
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They are reporting inaccurate information on my report in regards to the " closed '' student loan account. Transunion told me that the open date is akin to the day the loan was created which was in XXXX, but i graduated in XXXX which makes this information incorrect. Furthermore since i refinanced the loan there are two loans reporting similar things on my report which makes it inaccurate or a violation of 15 U.S. Code 1681e ( b ) and Transunion is civilly liable under 15 U.S. Code 1681n

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently received a copy of my consumer report after submitting an investigation request into the accounts being reported inaccurately on my report. XXXX XXXX. The account is still reported inaccurately, I have never agreed to any consumer contract with this corporation and when I asked for the method of verification to be supplied I never received anything back. Now after submitting my CFPB compliant regarding this account the consumer reporting agencies stated that the account has been updated when in fact all they did was reset the start date and last report date which according to federal guidelines that's illegal because that would change the date for the 7 year term that an account is suppose to stay on a consumer report before being deleted. I have supplied a copy of the account in question which you can clearly see that none of the information matches.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I recently received a copy of my consumer report after submitting an investigation request into the accounts being reported inaccurately on my report. XXXX XXXX. The account is still reported inaccurately, I have never agreed to any consumer contract with this corporation and when I asked for the method of verification to be supplied I never received anything back. Now after submitting my CFPB compliant regarding this account the consumer reporting agencies stated that the account has been updated when in fact all they did was reset the start date and last report date which according to federal guidelines that's illegal because that would change the date for the 7 year term that an account is suppose to stay on a consumer report before being deleted. I have supplied a copy of the account in question which you can clearly see that none of the information matches.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
Since XXXX, Discover has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my XXXX consumer profile as requested. Despite numerous disputes with XXXX, they have informed me that only direct input from Discover can rectify this issue. 

XXXX has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. 

Furthermore, after speaking to a Discover representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by Discover even though their response to the Consumer Finance Protection Bureau and XXXX states otherwise, rendering the letter sent to me and XXXX invalid. Discover continues to send letters stating " updated payment history, '' instead of correcting the information requested. XXXX and Discover 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. 

I'd also like to emphasize that after reaching out to the office of Discover 's CEO, I received a letter instructing me not to contact Discover again regarding this account. This raises concerns about how Discover is handling customer issues that impact their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Since XXXX, XXXX has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my Equifax consumer profile as requested. Despite numerous disputes with Equifax, they have informed me that only direct input from XXXX can rectify this issue. 

Equifax has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. 

Furthermore, after speaking to a XXXX representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by XXXX even though their response to the Consumer Finance Protection Bureau and Equifax states otherwise, rendering the letter sent to me and Equifax invalid. XXXX continues to send letters stating " updated payment history, '' instead of correcting the information requested. Equifax and XXXX 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. 

I'd also like to emphasize that after reaching out to the office of XXXX 's CEO, I received a letter instructing me not to contact XXXX again regarding this account. This raises concerns about how XXXX is handling customer issues that impact their credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Date of Transaction : XX/XX/2023 Order # XXXX Item ordered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Store Card : {$3900.00} Used XXXX XXXX XXXX XXXX : {$230.00} The company used XXXX to ship the item. The item was supposedly delivered but we discovered it was not at our house. We confirmed from our neighbors that they did not receive it by accident and we reached out to Crate and Barrel and XXXX. Initially they told us to give it a few additional days. It was never received but they stated it was showing delivered. We then filed a police report with the local police for a stolen product because we were also missing some other items that were supposedly delivered at that time. When we initially spoke with Crate and Barrel we provided copies of the police report. They also had us contact the crate and barrel store card who also filed an investigation and we provided a copy of the police report to them. After multiple contacts we were told to file a claim with XXXX for the stolen unit. We reached out to XXXX and attempted to file a claim. 
Case # XXXX Tracking # XXXX XXXX responded to decline the claim because according to their records the shipper must file all claims as per their agreement with Crate & Barrel. We then reached back to Crate and Barrel to advise of their responsibility to file a claim with XXXX but as far as I know they never filed the claim after multiple requests for updates from them. 

Over the last several several months we have been pushed between the Crate and Barrel company and the Crate and Barrel store card. Through out the entire experience the companies have acted as if they would help but pushed blame between each other and / or denied responsibility even though they continued to say they would help. We never received a replacement product or refund. We are not going to pay for something we never received and we know was stolen from us.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an account appearing on my credit report under XXXX XXXX with a current balance of XXXX. This account is not mine and is appearing on my Credit Reports. 

I contacted XXXX at the address listed and provided a copy of the credit report as requested. By letter dated XX/XX/XXXX, I was informed they had concluded their investigation into my issue and was advised the account data would be removed. 

It has not been removed from my credit report as of yet. I would greatly appreciate any assistance in getting this erroneous acct information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently received a copy of my consumer report after submitting an investigation request into the accounts being reported inaccurately on my report. XXXX XXXX. The account is still reported inaccurately, I have never agreed to any consumer contract with this corporation and when I asked for the method of verification to be supplied I never received anything back. Now after submitting my CFPB compliant regarding this account the consumer reporting agencies stated that the account has been updated when in fact all they did was reset the start date and last report date which according to federal guidelines that's illegal because that would change the date for the 7 year term that an account is suppose to stay on a consumer report before being deleted. I have supplied a copy of the account in question which you can clearly see that none of the information matches.

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 2023-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Financial Services, Inc.
State: IN

Complaint narrative:
I already paid the debt in question. They sued me in a county I do not live in and did not sign the contract in. They never served me at any point, but said they did. My first notification of the dispute was through a postcard from XXXX XXXX courthouse saying I had a default judgement I was never given the opportunity to dispute and never served on. I absolutely want a chance to say I borrowed from Eagle Finance and paid them back in FULL in 2022. I do not agree with the judgement and believe I was not notified and it was sent to a court with out jurisdiction because they KNEW they debt in question was not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have recently been dealing with a company that collects for LVNV. This process has gone on for months. I have sent letters and letters for validation. After meeting with the plaintiffs attorney we set a court appearance For the trial The trial was set for XX/XX/XXXXat XX/XX/XXXX. The plaintiffs attorney said they had mailed out for a change in the date I never received in mail the notice of change of date. The new date was set for the XXXX of XX/XX/. On that date the clerk of the court called and said we missed the date. At that point we told her we were ready for the XXXX of XXXX. I immediately sent a letter to the judge with no response. The amount due on the claim was {$1400.00}. While this claim was being validated they continued to try and collect. The next time they send a notice to pay the amount went up to {$150000.00}. I could not get an answer to why. 
Since we did not show on the new date a judgement was ordered. I firmly believe this action violated my XXXX amendment for due cause. I should have been given the right to defend myself. I recently wrote to the judge referring my XXXX amendment rights were violated. I have requested that the judgement be reversed. So now I am sending an affidavit to the court and a letter explaining the circumstance. While this is going on I receive a letter from Resurgent that they can't validate my claim. So now I have a judgement for something I don't owe. 
Resurgent, LVNV and the plaintiffs attorney are discussing and probably knew that all along. They most likely did not present it to the judge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Outstanding balance of XXXX from XXXX is not correct because card for website was not used in any purchasing Made dispute through XXXX XXXX twice. Did not receive any communication on results until XXXX XXXX was checked manually. 
Debt for amount owed has been sold to another company. 
Tried numerous time to reach out to current collector with no response back from company. 
No letter in mail has ever been sent to me or any other form of communication. 
No account statements with the company has been sent directly to me or via email. 
No other information other than what is stated on my XXXX XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I requested they correct the escrow analysis to reflect the correct taxes due. They have completed the escrow analysis and my account still shows the higher taxes due for the XX/XX/23 and XX/XX/23 payments due. I have paid a mortgage payment of {$1400.00} on XX/XX/23 and they sent me a letter stating that they can not apply the payment and that its in suspense until I pay the complete amount that they are charging me. My mortgage will be transferred to chase bank on XX/XX/23 and is currently being handled by XXXX XXXX XXXX XXXX that have told me they have taken care of the situation but the mortgage statements dont reflect the corrections to my account. Also, I live on a XXXX XXXX  property and lot # XXXX is tax exempt as you can see in the tax statement I attached. The bank is charging me {$3100.00} taxes on this property which is why the mortgage payment on XXXX and XXXX is increased and not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I filed a claim on XX/XX/XXXX regarding multiple charges made on my Card. Navy federal then sent me a new card and refunded the charges back to me. However on XXXX just 3 days letter I get a letter stating the charges will be debited back due to them finding that no billing error occurred which is far from the truth. I have never done any business with any of these merchants in the past and if navy federal would of actually did their due diligence on this claim they would clearly see that. Furthermore I'm curious as to how it only took 3 days for them to come up with the determination doesn't seem like they investigated at all to me and I am not paying for charges that I DID NOT make. I have asked navy federal to provide proof on how they came up with their conclusion and they have refused to. Now I am being held Reliable for {$200.00} of charges I never made. I also filed a complaint back in XXXX with the XX/XX/XXXXagainst this company for the same charges and they never even responded to the complaint at all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation