vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I had a previous account last year that was overdrafted by a few dollars that I was unable to pay at the time. The company charged me {$30.00} in fees daily until they closed my account in XXXX last year. I received a letter that the account was charged off. This year I was able to open up another checking account of which I had called and talked to the charge department about the incorrect balance owed. They were supposed to be reconciling the fees and sending me the new amount owed. When i deposited money into my new checking account, the charge department took {$800.00} from my new account for the old account. When I called and tried to get some understanding as to how they could even do this if the account was charged off, they told me that they could do whatever they wanted if I owed them. The rep was very rude in telling me that I can't tell the company how much I owed them, that I had to pay whatever they told me and they will not refund the money to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: AZ

Complaint narrative:
Well in advance of my schedule XXXX auto-payment to VW Credit, I changed the bank account information, as I was closing the account from which the payments had previous been processed. I confirmed on the website that the correct banking information was now entered, and all seemed well. Nevertheless, VW Credit still posted the charge to my old account, which had an insufficient balance and caused me to be overdrawn. I asked the bank XXXX XXXX XXXX XXXX to put a stop on the payment, which they did. I also attempted to call VW Credit that day, but " due to high call volume '' the automated system told me to call back at another time and ended the call ( they wouldn't even let me stay on hold ). I sent a message through the website explaining the situation and asking for resolution, with no response. 

Fast-forward to today, I receive a message that my account is being penalized for the returned payment and that VW intends to report the payment issue to the credit bureaus. I attempted to call again, and was again not even allowed to wait on hold, only that I could call back again later. And I sent another message, which I assume will not be returned. I don't want to wait to find out. 

In the process, they have disabled the auto-pay screen, which previously showed the correct ( updated ) bank information I had entered. Now that it is disabled I can not even show evidence that I had done what I claim. I'm sorry that I didn't take a screen shot earlier but it didn't occur to me at the time that I'd have to go through this kind of extraordinary process. 

Finally, I attempted to pay the now past-due amount, but the system will only allow me to pay both the past-due, and the current-due amount ( which isn't actually due until next month ) as well as the penalties which I refuse to pay. Essentially, because of their error, VW Credit is attempting to have me prepay a month 's lease and a penalty, and providing me no method to bring my account current while disputing these completely inappropriate penalties. And they're threatening to ruin my credit in the process. 

I'm hoping you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am contacting you about credit bureaus doing disputes and calling company and saying dispute has been dealt with no investigation has been done except calling the company who has put incorrect information on your credit report. The credit bureaus are not investigating disputes. They just take the word of the company giving the information. any one can claim to be a company and put false information on your report. with all the identity theft going on people can put false information on your credit report without justification. Then it gets disputed and the bureau calls the person puting the information on the report and say it has been investigated. it the mean time your credits being improperly reported. you only remedy is hire and attorney yes your credit is ruin and you can not afford an attorney. Now what happens i have been complaining and trying to solve problem with individual bureaus but they have no avenue to file a complaint. they are not responsible for insuring the information submitted is correct. My credit has taken a hit due to federal government extended time to show me XXXX and pay me as such. Took one year for social security which was quick and two years for the postal service to pay you what you deserve and since it is the federal government they are not obligated to pay interest on that money. I am still waiting on VA to pay my claim from XXXX of 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: PA

Complaint narrative:
This is me as consumer that is frustrated sending in my info such as my driver license and utility bill into credit bureaus, creditors and collections companies asking for documents that proved that these are my account but no response Are they update status staying it is verified with no proof to me. 
.On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX   XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and they did response but didn't give me proof.I also sent a certified letter to TransUnion on XX/XX/2020 with return receipt no return receipt no response. 
I also sent out certified letter with return receipt toXXXX on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring to all 3 Bureaus about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX : is still on my credit report with XXXX  deleted off the other two bureaus 2 ) XXXX ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should bedeleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted. None of the creditbureaus or creditors/collections have sent me proof of what was ask for in the letters that was sent. 
. So, by law these item should be deleted if no proof was given.

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 2020-09-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is me as consumer that is frustrated sending in my info such as my driver license and utility bill into credit bureaus, creditors and collections companies asking for documents that proved that these are my account but no response Are they update status staying it is verified with no proof to me. 
.On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and they did response but didn't give me proof.I also sent a certified letter to XXXX on XX/XX/2020with return receipt no return receipt no response. 
I also sent out certified letter with return receipt toExperian on XX/XX/1XXXX  at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring to all 3 Bureaus about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the  original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX  : is still on my credit report with XXXX deleted off the other two bureaus 2 ) XXXX ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should bedeleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted. None of the creditbureaus or creditors/collections have sent me proof of what was ask for in the letters that was sent. 
. So, by law these item should be deleted if no proof was given.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
MY CREDIT SCORE WENT DOWN 50 P0INTS IN ONE MONTH FOR NO REASON. I APPLIED FOR XXXX  LOAN FOR MY WORK OVER 4 MONTHS AGO BUT DID NOT HAVE A REFLECTION ON MY SCORE BUT JUST NOW LOOKED AND IT DROP 50 POINTS. WHY?? 

I AM CONCERNED WITH ID THIFT, I HAVE HAD TO CHANGE CREDIT CARD REPLACEMENT FOR UNAUTHROIZED USE AND I AM WORRIED THERE IS THEFT

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 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Applied for debit card w open checking acct. on XX/XX/XXXX, XXXX.Have sent over ten notices to pen-fed cu telling them about the missing debit card, still no debit card or response. I need to use this card for purchases & should have recvd it some 3 1/2 months ago. Also I needed to make 5 purchases w it within 90 days for their bonus offer. Which will now to be extended another 90 days, once I recv the missing card

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have reached out by letter and phone to Experian to update personal information, and so far they have not complied, the address they have listed are old and out dated, and I fair my identity has been compromised because of it.

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 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I started the mortgage refinance process with Rocket Mortgage on XX/XX/XXXX. I gave them all required documents in one day and the loan was approved. On XX/XX/XXXX the appraisal was completed and sent to me within 2 days. I did not require any additional documents and still do not according to the mortgage dashboard. I spoke to someone Friday XX/XX/XXXX and she stated they are only waiting to do the employment verification and order the payoff. At this time my rate expires on XX/XX/XXXX and I explained to the lady on the phone I needed to close before this. I text chatted with a rep at the company yesterday XX/XX/XXXX and they stated there was an addendum from the appraisal company needed but I know they have everything they need because I received the final appraisal. I asked her to have her supervisor call me and I have yet to hear from them. At this point since customer service is so inadequate I would like my {$500.00} back for the appraisal and cancel my refinance. My new rate was going to be 1.99 % with a 1.5 % buy down. Its very suspicious that they could not get all documents prepared and closed by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: LoanCare, LLC
State: FL

Complaint narrative:
I entered into a Forbearance Plan with LoanCare , LLC on XX/XX/2020, which was extended on XX/XX/2020 through XX/XX/2020. At the time I entered into the Plan, I was current on my mortgage payments and had 100 % on-time payments. The Plan clearly stated that there would be no negative reporting to the Credit Reporting Agencies. During the Plan, I made partial payments of {$300.00}. I then sold my home on XX/XX/2020 and paid the Mortgage Loan in full. I was recently notified by my credit monitoring company that on XX/XX/2020, LoanCare , LLC reported my Mortgage Loan as 90 days past due to XXXX and XXXX. This negative reporting has destroyed by FICO Score by lowering it XXXX points from XXXX to XXXX. I am attaching copies of the Plan confirmation and extension letters received from LoanCare , LLC along with a letter from LoanCare , LLC confirming receipt of the payoff of my loan. Every time I have tried to reach a " live '' person by telephone at LoanCare , LLC, I have been transferred to the Collections Department, who would then transfer me to the Loss Mitigation Department. I have not been able to reach the " Mortgage Resolution Advocate, '' XXXX XXXX, although leaving voice mail messages and emailing him. Please help me resolve this very disturbing matter - I have worked hard for my good credit and this is completely unfair and contrary to the provisions of the Plan.

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 2020-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My complaint is against XXXX, Equifax, and XXXX for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with XXXX, Equifax, and XXXX U.S. Dept. of Vets Affairs said they only reported paid in full they never told  XXXX to enter a charge off on your credit report, in fact they never say charge off only paid in full. XXXX, Equifax, and XXXX how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for XXXX, Equifax, and XXXX to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal action against XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My complaint is against XXXX XXXX, and Experian for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that  was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with XXXX XXXX, and Experian U.S. Dept. of Vets Affairs said they only reported paid in full they never told  XXXX to enter a charge off on your credit report, in fact they never say charge off only paid in full. XXXX XXXX, and Experian how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for XXXX XXXX, and Experian to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal action against XXXX XXXX, and Experian.

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 2020-09-15 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: The Receivable Management Services LLC
State: KY

Complaint narrative:
On XXXX XXXX, Receivable MGMT SVCS, added a derogatory mark on my credit report via XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection after requesting by phone being told its not possible. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone could send a bill and say its mine. According to the FCRA, Receivable MGMT SVCS, have violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
My Experian credit report is showing a hard inquiry from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/2020. 

I am unaware of this entity or why they would be inquiring about my credit information.

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 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
Hello My name is XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXX az XXXX. I have been getting court letters from a collection company name Law Offices of James R Vaughan Case # XXXX. I was victim of family fraud and someone on my behalf used the credit card and credit had a balance of {$9600.00}. This is with chase bank. I called chase bank and they said the balance is still {$9600.00}. The collection company has been charging the interest fee and made balance of almost XXXX. Even though I dont owe due to fraud, I still tried to settle it but collection company is not agreeing and kept saying chase is not accepting any settlement. I called chase, they said the balance is charged off, so I dont even have to pay anything on this card as It is charged of and will remain on my credit. The collection company keeps threatening me and sending garnishment letters to my part time employment. I am trying very hard in this pandemic to make some income but they are not ready to talk to me. I spoke with XXXX from the Law Offices of James R Vaughan today XX/XX/15 and he just hung up by saying no offer. you have to pay XXXX and interst will still keep accruing. It is affecting me mentally and I am not in a condition to hire a lawyer. I tried reaching out to one lawyer and they said Bankrotcy is an option. Well I dont want to ruin my credit for ever by filling bankruptcy when I ready to make settlement and collection company is not ready to work with me, The case was disslved in XXXX XXXX and they again renewed it. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: GA

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies. For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.

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 2020-09-15 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:
I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies. For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed disputes with the all three credit bureaus and I haven't received anything from them. This shouldn't take more then the 30 days required for them to reply to me.

Company response to consumer: Closed with explanation