vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 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: RI

Complaint narrative:
XXXX XXXX  servicing placed my mortgage ( Loan Number XXXX ) in a COVID-19 hardship forbearance. I called the company and informed that i was willing and able to resume making payments to my account. They took my account out of forbearance ; however, the payment amount they gave me was about {$1000.00} higher than before. This was due to the fact that XXXX over payed my property taxes by {$5800.00}. This was a mistake on the company 's behalf. My loss mitigation agent, XXXX XXXX informed me that she would place my account on an extended forbearance to allow my town to refund XXXX any moneys owed and they could credit this back to my escrow account, then give me an accurate payment amount. The agent indicated that since the account would be placed a forbearance i should not make payments, at least until we have an accurate payment amount. While my account was supposed to be on a forbearance it seems this was not done and therefore the company introduced a derogatory remark on my credit report stating that XXXX payment for XX/XX/2021. Had i known that the payment was due i would've made the payment since i have excellent payment history with this and many other accounts. My agent indicated that my first payment after the forbearance was in XX/XX/XXXX of XXXX. I was only following all of the instructions provided by my loss mitigation agent. I have attached all proof of communications between myself and the loss mitigation agent for your review. Furthermore, my loss mitigation agent no longer works with the company and could not help on this matter.

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 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Hi- not sure if you can help or if i even have the right department. yesterday XX/XX/21 i went online and gave a down payment for a puppy which I should have investigated more before sending my payment thru Zelle. i called my bank but because zelle already process the payment now its up to the scammer bank to refund me the money if they even do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am SO frustrated with the credit bureaus having missing or incorrect information My Equifax credit score DROPPED 15 points and the only changes documented were 2 accounts that had significant balances paid down which should have helped! Not dropped my score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Thief Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed.

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 2021-10-13 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: NJ

Complaint narrative:
I, natural person, original creditor, consumer, have been violated for willful noncompliance by Westlake Financial Services. Please see attached documentation.

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 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I am over charged for damages to my apartment. I was unemployed from covid and they tried to charge me multiple late fees and that was not allowed during the time. They said I was responsible for things that werent even damaged to get more money from me when they already kept my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). Reported differently across the bureaus. I demand this to be removed right away because of its inaccuracies that is detrimental to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMCOL Systems, Inc.
State: IN

Complaint narrative:
I keep repeatedly receiving calls from XXXX that are coming up as potential spam through XXXX XXXX XXXX XXXX XXXX. They keep leaving voicemails stating that they are XXXX XXXX XXXX and that they are a debt collector and to contact them. I do not currently have any debts nor have I received any correspondence by mail from this company stating what this debt is relating to.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
On XX/XX/XXXX & XXXX, 2021, my equifax premium account was hacked by my identity thief, XXXX XXXX. He accessed my account online, and by mail ( they told me on the XXXX the mail part ) and unlocked/unfroze my credit file. He also changed my log in email and password, and deactivated by paid service with them. He then submitted a fraudulent credit application. 

Equifax refuses to do anything to stop this from happening. They expect me to call them at least once a day to explain this all, and reset my email log in and pass word and un do whatever the cyber criminal has done. They will not block his number or email address. They will continue to accept his use of my former address as proof. He has also changed my address to his multiple times and Ive reported that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
PLEASE REFER THIS COMPLAINT TO ( OCC ) OFFICE OF THE COMPTROLLER OF THE CURRENCY. There is a billing error on my account. The balance is reflected in a positive amount. I was also never given the disclosures specified in 12 CFR XXXX Treatment of credit balances. XXXX Treatment of credit balances. When a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Notice be it to all in Fact, I am a federally protected consumer pursuant 15 usc 1681 ( a ) ( 4 ). Notice in Fact, I have never signed a contract or a PROMISSORY NOTE WITH CREDIT CONTROL CORP. Notice in Fact, I believe this company to be a 3rd party debt collector. As such I demand to see a receipt of purchase giving CREDIT CONTROL CORP legal jurisdiction to collect any alleged debt they may claim I own past present or future. Pursuant 28 usc 8 ANY and ALL certificates of indebtedness and or bills are the obligation of the United States not the consumer. These accounts being reported on my consumer reports are a clear violation of XXXX usc 1681b as I have never given my written or oral consent for these items to be furnished. This violation is punishable of {$1000.00} per violation pursuant 15 usc 1692k. I DEMAND that these items be removed from my consumer reports OR send me a check certified mail for every minute that each item has been on my consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a AARP VISA CHASE credit card. I received a letter letting me know that the Chase AARP credit card was going to be closed and XXXX was taking over the AARP credit card as a Master card but I could opt out. I DID ask to opt out and called the number they gave me to opt out. 

I recently received a refund for a purchase at XXXX XXXX for {$1800.00} which went back on my AARP VISA CHASE credit card which is now closed. 

I called Chase to ask how this would be resolved since that card was closed. Where would my refund go? They told me that they no longer have my account information and that had all migrated to XXXX ( even though I asked to opt out ). I spoke to XXXX XXXX, Chase Account Supervisor, XXXX. I was told that there was nothing she could do and to contact XXXX. 

Ive tried to contact XXXX but XXXX cant get a person on the phone. Its on automated hold until the calls just drop off. They are based out of the XXXX and dont have any local branches. 

I never gave Chase permission to give my information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am the original creditor of the account in question. 

After further research into my account, I find there the be billing errors open-end credit plan NAVY FEDERAL pursuant Title 12 CFR 1026.21 and Title 15 USC 1666 ( b ). 

NAVY FEDERAL has taken adverse action against me in XX/XX/2021 and has closed this open-end credit plan. 

NAVY FEDERAL continues to try to collect payment from me regarding this account. Please see the attached statements of payments made to this account under fraudulent and threatening and harassing conditions. 

On XX/XX/2021, NAVY FEDERAL CREDIT UNION violated 15 U.S.Code 1692d ( 5 ) by causing my phone to ring repeatedly while using abusive language, forcing me to pay a debt. 

On XX/XX/2021, I contacted NAVY FEDERAL CREDIT UNION customer service due to the reporting of a late payment to my consumer credit report, causing my credit score to drop tremendously. 

I, have reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028a as NAVY FEDERAL CREDIT UNION, atleast on four separate occasions, has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. 

NAVY FEDERAL CREDIT UNION furnished my personal information to several third party on atleast 4 occasions which is a violation of 15 U.S.Code 1692c ( b ), without my expressed written consent.

NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 6802 ( 1 ) ( a ) ( b ) ( c ) by disclosing my nonpublic personal information to a nonaffiliated third party while not giving me the opportunity to opt-out or such information being disclosed, nor an explanation of how I, as a consumer, could exercise such nondisclosure option. 

NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 1681 ( a ) ( 4 ) by violating my rights to privacy. 

NAVY FEDERAL CREDIT UNION, on several occasions, has continued to use harassing communication while using a symbol affected by the mail pursuant to 15 U.S.Code 1692b ( 5 ) & 15 U.S. Code 1692f ( 8 ). 

NAVY FEDERAL CREDIT UNION has continued to use abusive debt collection practices as defined in 15 U.S.Code 1692 ( e ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
I checked my credit report and saw I had a account for collections, but I didnt open this account continental finance Acct # 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 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
They never sent many any notices in the mail or made any phone calls nor did they email me anything about closing my account and all of a sudden they just shut it down and didnt tell me why and now I might night be able to pay my bills or make it home because Im About out of gas!

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 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
Source rm federal violated my consumer rights and they must pay me XXXX for 6 diffrent violations on my consumer rights They have received my affidavit of truth, cease and desist, and a invoice on this matter also questions that must be filled out completely and sent back to me with in 30 days. All certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: GA

Complaint narrative:
Please see FTC report attached to this complaint. XXXX and Experian are both knowingly and continuously reporting fraudulent information on my credit report which is a violation of the Fair Credit Reporting Act. For whatever reason, they refuse to remove the collections I have already reported as fraudulent. The accounts in question are National Credit Syst {$2200.00} opened XX/XX/2020 for both XXXX and Experian and XXXX. XXXX and XXXX {$130.00} opened XX/XX/2020 for XXXX. XXXX has stated that they neglected to remove these fraudulent accounts simply because the account numbers were not present in the report. However, after including them in the report they are still refusing to remove said items from my account.

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 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Did not receive no collection letter or knew the company existed until I received a credit alert on my mobile phone. I would think there would be some sort of correspondence or verification on said debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/21 I received a judgement letter in the mail from Synchrony Bank for XXXX. Upon inspection, I realized this was a fraudulent account that someone opened in my name without me being aware. I immediately began the process of reporting identity theft and fraud with the three major credit bureaus, synchrony bank, and my insurance company. I also made a police 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 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was 100 % unaware that my charge card was being used for something involving XXXX XXXX or something associated with it, there were charges ranging approx. {$99.00} - {$4.00} for different subjects according to the explanation of charges it would say professional services, entertainment, and various other names. The mass amounts of charges were smaller charges $ XXXX {$19.00} charges, I have medical problems that's private and on a small XXXX for my income who ever used my charge card was using it as if they weren't paying for it and didn't care. I'm XXXX XXXX XXXX and don't make childish charges as been placed on me. I have reached out to Chase charge card company several times and demanding those fraudulent charges be dropped, and they believe the XXXX XXXX and are refusing to remove them. I asked around my family and no one has used my card, however there were several other accounts linked to my XXXX XXXX and I deleted a third party account and got a new number and card. The only way I ever fooled with XXXX was to play XXXX years ago and it was a big mistake it opened the door once I gave financial information to them. These charges have been done several days in a row to skipping a few days. I want my fraudulent charges removed they aren't mine. I can't get in touch with XXXX except messaging them while telling them the charges aren't mine they say its against their policy to remove the charges. I guess when it isn't their money they don't care. I will admit I made a few charges over the years very few 4-5 charges for {$9.00} and I believe {$4.00} but there's been someone making numerous charges, my wife was suppose to monitor my bill she has a lot going on and didn't observe them because they weren't large amounts but added up to over {$4000.00} dollars

Company response to consumer: Closed with explanation