vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
On the XXXX of XX/XX/2022, I received a check for 1 month of work from a man whose house I cleaned. The check was {$960.00} which I thought was a strange amount but disregarded the leary feeling because my boyfriend had also done outside work for him. 

I mobile deposited the check and instantly got {$250.00}. I used that money to pay on my credit cards and get some gas. Navy Federal held the remaining funds for I believe 5 days. I've never had my funds held for more than one day, even over the weekend. Then again, I had never accepted a personal check from anyone other than my grandmother. When I deposited the check in my account on the XXXX my checking was overdrawn by - {$100.00}. XXXX XX/XX/2022 my checking account was at + {$180.00} and my savings account had {$200.00}. 

You can imagine my horror when I logged into my account and had adjustments which brought my checking account to - {$780.00}. I talked to two ladies at Navy Federal. They said all I could do was continue to attempt to contact the guy because his account was now closed. I've called and called, I've gone to the house, and it's now empty. The Navy Federal lady said that my account would be eligible to close by XXXX XX/XX/2022 which was about 6 weeks away by then. Having had this credit union for 6 years now and maintaining a 100 % payment history I was extremely worried about losing my oldest account. I agreed to try and make as many payments on it as possible while being unemployed. She told me she would make note of that so that I wasn't harassed by phone calls from Navy Fed. They didn't call again after that whatsoever. I didn't receive an email or anything. I checked my account on XX/XX/XXXX and no longer had my checking account, instead, I now have a combined savings/checking account. I can not get a new checking until I pay off the debt that they took away. The same day this happened I got a {$600.00} payment from the state of Oregon. I knew that payment was coming and had planned on putting the entire amount towards my overdrawn account. Now I don't even have the option to pay towards a positive balance and I can only send money to another Navy Fed account holder The {$200.00} from savings brought my checking to - {$430.00} but not until Navy Federal closed my account without as much as an email. I wasn't alerted in any way that this was going to happen and just now discovered that I owe closer to {$400.00} than the {$700.00} I had thought. I was under the impression that since I had been making payments my account would still be considered in good standing. I'm disappointed with the lack of communication. Navy Fed has always been very good to me but now I'm second-guessing my membership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
Since loans inception ( XXXX ), an erroneous filing of multiple parcels associated to this property has made my taxes to have been paid incorrectly. I have made 20+ phone calls to the lender regarding a significant error resulting in over {$10000.00} dollars of escrow shortage of which the lender has not rectified and is continuing to charge me monthly for their error. They have doubled my mortgage payment for the past 9 months. I spoke to a customer rep who told me that they paid a {$6000.00} tax bill in XXXX of XXXX through my escrow and a third party billing company ( XXXX  ) and was told to ask the auditor why it does not show as a credit to the property. Firstly, my property taxes for this home is {$1200.00} a half due and paid XXXX and XXXX so an XXXX payment is a huge red flag alone as well as the excessively large amount sent that was supposedly requested by the auditor. I have been in constant communication with the auditor who is just as confused as i am. I own several properties in this county and she researched all of my properties and has not seen any credit or payment received as stated by UWM for any of them. There has been ZERO communication from UWM to me regarding my multiple requests for further investigation and remedy. Every time i call UWM, I have to explain my situation to the rep and have been told that UWM did their own investigation and closed my request for expedited intervention,. No call or email or hard copy acknowledgement has been received by me from them. Every time i call I have to start over again. I have been trying to rectiy this sitatuion with them for over a year now. This all began XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05 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: NV

Complaint narrative:
I have disputed the inquires most of them were removed but these last inquiries and 1 account did not come off and they are fraudulent and are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) My student loans were combined into one I dont understand why these closed accounts are still on my account when I have disputed for these to be removed as well. 
Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX  Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX, 2022 I sent via certified mail a letter to all 3 bureaus regarding accounts that were inaccurate and to be investigated. The Credit bureaus stated : XXXX or XXXX XXXX XXXX  XXXX was properly investigated but how, if the date last active in Not Accurate. XXXX  XXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 
This is grounds for Removal. 
According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction. 15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts 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 explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
From XX/XX/21 till XXXX became a victim of multi-layered scam operation by XXXX, which involved me making deposits for total of XXXX XXXX  from Coinbase account to fraudulent investment firm When I compliant to Coinbase to help me to resolve the issue, they refused and closed my case. 
Please see attached file with more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: NY

Complaint narrative:
I've never even tried to apply for any credit cards and they pulled my credit for no reason. Also apparently they ran my credit at a dealership when I was never even trying to buy a car. 

These are the account names : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
There were unauthorized charges to XXXX with my debit card account number, therefore, I contacted my bank, closed the card and was authorized a new card. A few days later there were more XXXX charges to my account. Someone had used the new number without authorization. I do not have any type of account with XXXX and do not want anymore unauthorized charges. 
XX/XX/22 XXXX XXXX {$57.00} XX/XX/22 XXXX XXXX {$78.00} XX/XX/22 XXXX XXXX {$44.00} XX/XX/22 XXXX XXXX  {$59.00} XX/XX/22 XXXX XXXX  XXXX Key Bank is currently investigating this but the only action they have taken so far is closing out my debit cards. XXXX needs to stop charging my accounts since I do not have any accounts associated with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-05 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Ignorant applications of RESPA statutes to all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, XXXX and XXXX by Seterus, Nationstar and Mr Cooper. ( ref to complaint XXXX, missing primary documentation submitted through CFPB portal XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: CA

Complaint narrative:
Ignorant applications of RESPA statutes to all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, Experian and XXXX by XXXX, XXXX and XXXX XXXX. ( ref to complaint XXXX, missing primary documentation submitted through CFPB XXXX XX/XX/2022 )

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 2022-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
These hard inquiries are listed on my report illegally and without proper written consent or my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was out of state, I tried on XXXX different occasions to transfer money from my other checking account to the account that has Been closed. I was not seeing the deposit. I then seen that my balance was negative. I called the bank and explained what was going on. I was told that because the funds weren't available when they posted my account was in negative but it would fall off. My mother XXXX XXXX XXXX that was owed to me and due to me being negative the funds were taken. I checked my account a day later and showed a balance of XXXX. I tried to use my card for a small amount and card was declined. I then tried again and same thing card declined. I called bank and spoke to different people who would nit give information just stated over and over that account will be closed and they will issue a PAPER CHECK to my address on file in 60 days. I was unable to get clear answers or answers at all. I asked if it was due to activity of being out of state no answers. I have called again due to this creating a hardship and still no answers just that I will recieve a paper check in 60 days. I am in a financial hardship and have yet to receive a check I have been blocked from card use as well as banking online.

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 2022-07-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a dispute regarding experian has failed to do a proper re-ingestigation into accounts they have continued to mark as Verified which is false. It is now 45 days or more since Experian has received the Dispute through the CFPB. I have been been trying to get them to correct and update the inaccurate information for a year now ... Experian stated in 30 days the Dispute would be finished but as you can see they have done nothing but waste my precious time... Please, suppress the information. Experian and the company are not in compliance and continue to violate my rights... They have as Neglected my important consumer report... If you do not Suppress or Delete within 5 days I am filing a Attorney General complaint. I will also Hire a consumer lawyer to raise the Issue in Federal Court. 

I have attached the previous CFPB report for supporting documentation ... 5 days thanks.

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