vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Actions being taken on my account # XXXX without my permission. 

Unauthorized use of my information I spoke to representative and asked for validation of the debts Requested proof of investigation and records of my account Burden of proof falls on the corporate The institute was paid when I gave them credit during our initial consumer credit transaction day 1 and to unfairly make deceptive claims is unlawful Practicing deceptive behavior by furnishing incorrect, erroneous statements is unlawful Requested 1099 tax form Contract binding both parties Affidavit of Truth wet signature by chief executive officer XXXX XXXX directed to me the consumer. 

With prejudice I never refused to pay on requesting to validation the debts. 

I am a natural person and a consumer per federal law US has been actively bankrupt since XXXX and money is backed by nothing it is only paper debt and cant be used for payment. Only credit and gold or silver. 

Willful noncompliance is unlawful Violating my consumer rights is unlawful Not upholding regulation z, Truth in Lending is unlawful I know the finance charge is the sum of all charges

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. my credit cards and personal information was used without my permission This creditor is not only reporting fraudulent transactions but also aware that this account had fraudulent transactions in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent transaction and the accounts in dispute. I have never had any goods or services from these transactions they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. the fraudulent Transactions i did not give any permission to charge my credit cards or use my personal for any reason. I have contacted Discover multiple time and reported the fraud and nothing has been done and they just keep saying that i have to pay for the fraudulent transactions on the account even after they have requested me to file a police report and identity theft affidavit that have done. 
The fraudulent transactions haven't used the card since 2014 the fraudulent amount is {$4500.00}

Company response to consumer: Closed with non-monetary relief
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: AmeriCollect
State: MI

Complaint narrative:
I reached out to this debt collector to ask for validation of debt they failed to provide it and insisted the debt belonged to me. I always had health insurance, they couldnt even show me a picture of my ID because I know for a fact they cant provide it because I never was seen in the XXXX. I filed a FTC complaint and they still refuse to remove this from my credit report.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My student loan service provider is Navient. Navient took over for XXXX XXXX XXXX. I paid on my student loans for years. I graduated in XXXX from grad school. All of my payments that were made since graduation is not in my payment history, in particular any payments made between XXXX - XXXX. 

A fair resolution is proof that I have been paying on my student loans since my graduation in XXXX. I was wrongfully denied the IBR program under XXXX XXXX XXXX. I want my accurate history, that I have been in the IBR program since at least XXXX, which is 18 years.

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: VA

Complaint narrative:
XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the 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 2021-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Hello, I requested validation of an alleged debt from Security Credit Services on XX/XX/2021. I then responded back via certified mail requesting validation. 

This was not honored. I have not received validation after 2 attempts which span over 2 months. This is against the law. 

In addition, the collection letter does Not bare my name which i informed them of yet they still attempt to collect.. 

Furthermore, A collection agency by the name of XXXX XXXX XXXX sent me a letter to collect on behalf of Security Credit Services stating that they now own this alleged debt and that they will now be solely responsible for perusing it. However, Security Credit Services continues to correspond with me illegally. 

They are adversely affecting my credit rating with this invalidated, alleged account. I informed them that they must stop reporting this account to my credit reports while this account is in the validation stage Yet they continue to report it unlawfully. 

I wont this alleged debt off of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
About the XXXX of XXXX I opened an account at Coinbase using a referral link, as described in https : //www.coinbase.comXXXX 

On the XXXX of XXXX I bought XXXX XXXX  XXXX Bitcoins, to get the promised promotion and receive {$10.00} USD, as described in menioned Referral program link. 

Several days after, and as I didnt get the {$10.00} USD, I contacted Coinbase Help Center to explain what had happen. They answered me that they were going to check what had happen and they would contact me. After spending several days without an answer I wrote to them on several occasions explaining what happened and that I had met all the requirements of the program and in all of them they replied that they were going to check it and that I had to wait for their response with a solution. Today they answered me for the last time saying that the case has been closed and that I have to open a new one, but I still have not received an answer to what happened, nor of course the XXXX dollars of the promotion. 

I ask you to help me and get Coinbase to fulfill the promotion and give me the XXXX dollars that must be paid. 

( Please excuse my XXXX, but I'm XXXX )

Company response to consumer: Closed with monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the 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 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the credit report

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax place a consumer report on my credit file that I do not want on my credit report and refuse to remove it from my credit file I did not authorize them to place any kind of statements on my record for lenders and creditors to see I would like this stuff removed from my credit report and they refuse to remove or remove the inquiries that I asked instead they placed my complaint that I filled with the XXXX on my credit report which is unacceptable and against my will I did not ask them to that and do not want that on my credit file

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 a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent out letters to open a dispute with XXXX and Experian on XXXX XXXX of 2021. There is inaccurate accounts on my reports. Including XXXX XXXX  with a balance of {$12000.00}, XXXX XXXX XXXX with a balance of {$120.00}, XXXX XXXX XXXX with a balance of {$26000.00}, XXXX XXXX XXXX with a balance of {$13000.00}. Its been over 30 days since Ive disputed these accounts.

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: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Someone has been using my Capital One Credit card for purchases. They used the entries {$300.00} Credit over the limit to the point I owe {$320.00} I refuse to pay an amount I didn't use. The replacement card I requested still hasnot arrived after 3 weeks of me waiting. I can NOT access my account due to MultiFactor on the account which I do not have the number to open it. this is Outrageous I want the credit replaced and a new card ASAP. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting confirmation from Equifax that they will not be willing participants in the XXXX XXXX  XXXX XXXX XXXX mischief XXXX On XX/XX/XXXX Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. On XX/XX/XXXX Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/XXXX to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. On XX/XX/XXXX Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. XX/XX/XXXX + XX/XX/XXXX Equifax represented internal review was completed that on XX/XX/XXXX has been initiated. When the furnishing company provides their findings, we will send those results to you. On XX/XX/XXXX as Equifax had clearly demonstrated on XX/XX/XXXX + XX/XX/XXXX no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was Equifaxs intent to conceal it malfeasance. On XX/XX/XXXX submitted complaint XXXX respectfully requesting : " If this is not intentional malfeasance, please respond with the alleged completed results that have NEVER been mail received by me. '' On XX/XX/XXXX Equifax responded : " Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Receivables Network
State: GA

Complaint narrative:
Hello, I requested validation of an alleged debt from Sage Capital Recovery around XX/XX/2021. I then responded back immediately, via certified mail requesting validation. 

This request was not honored. I have not received validation after 2 attempts which span over 1.5 months. This is against the law. 

In addition, the collection letter does Not bare my name which i informed them of yet they still attempt to collect... 

Furthermore, I this correspondence stated that Sage Capital Recovery now owns this alleged debt ( Once held by XXXX XXXX XXXX ) and that they will now be solely responsible for perusing it. However, XXXX XXXX XXXX continues to correspond with me illegally. 

They are adversely affecting my credit rating with this invalidated, alleged account. I informed them that they must stop reporting this account to my credit reporting bureaus while this account is in the validation stage Yet they continue to report it unlawfully. 

I wont this alleged deb/invalidated account off of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Innovate Managed Holdings, LLC
State: NY

Complaint narrative:
1. My XXXX XXXX XXXX was paid off XX/XX/XXXX by my dealership. The leasing company charged my checking account XX/XX/XXXX after the lease was paid in full {$410.00}. Ive called them 8 different times and after being transferred around they hang up. I have an email that states they would send me a check which never happened. After my eighth call yesterday I was told that the payment back to me was being held for unknown reasons. I have disputed this charge with my bank waiting on confirmation of refund. 

2. After over 35 days my dealership still has not received the title. My dealership owes me {$3500.00} which is also being held until they receive clear title. Same leasing company. 

XXXX XXXX XXXX serviced by Innovate Servicing Corp account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you need any further assistance, please XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Abra
State: CA

Complaint narrative:
I made a deposit of XXXX with Abra in XX/XX/2021. The company Abra, claims that the money was rejected due to consumer protection and that the transaction was cancelled. However the funds were never returned to my banking institution. I contacted them multiple times and they insist that they rejected the transaction and to contact my bank. The funds were never returned or refunded. They kept my money and froze my account with them for no reason. I contacted my bank to retrieve the funds however they have not had luck in retrieving my funds either.

Company public response: Company believes complaint is the result of an isolated error
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 a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent out letters to open a dispute with Equifax and XXXX on XXXX XXXX of 2021. There is inaccurate accounts on my reports. Including XXXX XXXX  with a balance of {$12000.00}, XXXX XXXX XXXX with a balance of {$120.00}, XXXX XXXX XXXX with a balance of {$26000.00}, XXXX XXXX XXXX with a balance of {$13000.00}. Its been over 30 days since Ive disputed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: TransferWise Ltd

Complaint narrative:
I send money to my mom at XX/XX/2021, But until now my money not yet arrival, soppose to be if my number account wrong or name bank or the receiver wrong they can't send but my money they already take and when i sen email to then waiting until this coming XXXX,, Until now nothing respon any more

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 a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
My credit report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from Factual Data on XX/XX/2021 for all the credit bureaus. There were an additional ( 2 ) more inquiries by Factual Data ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from Factual Data ran on XX/XX/2021 be immediately removed for all credit bureaus.

Company response to consumer: Closed with explanation