vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
XX/XX/year> contacted Navy Federal under a request for a hardship relief of payment. The request was submitted and agreed upon by the collection department and was done in error and in bad faith because my card was under a settlement and no collections agreement should have been made. I have fallen behind on both card issued by navy federal due to no financial income at this time and Im not sure when I am going to have consistent income. I reached out to Navy Federal XXXX XXXX informing them again that I am under a financial hardship and in need of assistance. They responded they only can give me assistance for 1 card because I received assistance back in XXXX for the other card and it appears that the agreement was not satisfied. I have been requesting to speak to someone to rectify this issue and they refuse to reach out. In Good Faith the bank needs to admit that I informed them of my financial situation and they were the ones who made the mistake and also increased my payments for 1 card. This mistake is gon na cause a bigger problem for me because these cards are going to be reported as passed due and continues it will be a charge off. There is no way the bank should not have been aware that my card was under a settlement its no way that each representative gives different information the bank is giving XXXX and XXXX people loans credit cards and refuse to give assistance with needed. They also in Bad faith refuse to respond to my first complaint. 


I need this bank to work with me in good faith to get a resolution to this matter. If they cant find a way to resolve this issue and provide assistance XXXX shouldnt be held accountable for any amount owed. I am currently in a financial crisis and is causing a major hardship. 



Thank You XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I do not know the company XXXX XXXX XXXX nor does LVNV FUNDING LLC compete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2021, I unfortunately faced financial difficulties due to the XXXX pandemic. In order to manage my finances responsibly and meet my financial obligations in the best possible way, I contacted XXXX XXXX to request a deferral of my credit card minimum payment for those two months. The phone conversation I had with one of their customer service representatives assured me that my request would be processed without any issues and that no late payments would be posted to my account as a result of this deferral. Take the representative 's word for it and follow the instructions provided. 

My lease is about to end here at my lease home for me and my kids and I am looking to buy a house. 

I ask you to be so kind and help me change these late payments from late to on-time. 
Help our family get approved for a new home. If we can't change this, there's a big chance we could become homeless and you're my last hope, I hope you can help me. 

Listed below are late payments that are NOT accurate and those dates should be changed to PAID. 

As agreed Account Name : XXXX Account Number : XXXX Report dates not specified : XX/XX/2021 and XX/XX/2021.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXXXXXX XXXX XXXX my credit was ran multiple times and I went in the dealership with a credit and specifically said do not run my credit. But they ran my credit 23 different times.I went to them explaining what I was seeing on my credit report. And they sent a first that was very vague about the removal of these inquires. So I went and had another letter sent with the details of the inquires that the dealership put on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-05-04 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

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 2024-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: United Shore Financial Services, LLC
State: MN

Complaint narrative:
I got a letter in the mail about re-financing my mortgage. The letter stated it was from my original loan company so I was suspicious right away. The phone number didn't match the number from my old lender, so I blocked my phone number and called them. The person who answered said, " Hello '' and didn't say the company name. Instead of saying I got a letter, I said I received a phone call. The scammer then told me they were from a different mortgage company from the letter called " XXXX XXXX  ''. The scammer said, " Do you have credit card debt? '' I then pretended I couldn't hear him and he hung up right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: Payfare International Inc.
State: VA

Complaint narrative:
XXXX XXXX for XXXX and I have a DasherDirect is a prepaid debit and mobile banking app for US-based Dashers, powered by Payfare. I have been trying since XX/XX/year> to have the documents Payfare used in determining the outcome of my dispute I made toward the merchant XXXX. I have made numerous complaints and have asked them numerous times to provide this documentation. There is not impossible because there is none and I should have been fully refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting 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:
all of these accounts are fraud that i came across i now have a XXXX XXXX  that was able to help me filter through these unrecognizable accounts These inquiries were not authorized XXXX XXXX XXXX XXXXXX/XX/XXXX also same company again XXXX XXXX XXXX XXXXXX/XX/XXXX additional companies of unrecognized transactions are stated here as well XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ACCOUNT opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more tan seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$420.00}

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reported to all the credit bureau information l don't owe. Which l request a bill with name. As proof instead the XXXXXXXX XXXX send bill instead they provided written letter Who also hired XXXX collections agents and also collection agencies name XXXX whom also request same amount money. Whom provided XXXX with the Name on the account which doesn't match which 2 or three different names. Then XXXX XXXX on the XXXX .my Wisconsin Driver license attract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I started receiving letters in the mail in XXXX from Jefferson Capital, a debt collection agency, claiming that I owed {$1200.00} from a XXXX account. I have never had a XXXX account, so I ignored it assuming it was just a scam. I later find that this debt is showing up on my XXXXredit score. Great. 
I recently disputed the debt through XXXX, and the dispute results come back that the debt is " Verified As Accurate '' so completely useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: AL

Complaint narrative:
I had two fraudulent credit card accounts opened at an XXXXXXXX XXXX XXXX XXXX on the same day. I called XXXX and was directed to XXXX XXXX XXXX since they do the credit cards. I spoke to an fraud specialist there and was informed two accounts had been opened the same day. one account was closed due to fraud but the second wasnt and the bill was turned over to a third party called XXXX XXXX XXXXXXXX who gave the account to XXXX XXXX XXXX Comenity fraud dept representative told me that they were attempting to buy back the account due to fraud investigation and that the other account was closed as a result of fraud. I was told to contact XXXX XXXX XXXX but they would send me information on XXXX Capitals side in XXXX days which I never got. I called XXXX XXXX XXXX who transferred me to XXXX stating they dont manage the account but that XXXX does. I reported the fraud account being opened and disputed the account to both XXXX XXXX and XXXX. I also reported to them that there was another account from XXXX that had been opened on the same day as the debt account they had, that was marked as a result of fraud and closed. I was told my account would be deleted in XXXX days. 2 days later I got an email from XXXX stating that they verified the debt and provided bills from the account and denied it being Fraudulent and wouldnt remove it and asked for me to setup a payment plan. I provided them with my FTC identity theft report and the discussion I had with the fraud department at Comenity and nothing. The debt is still showing on my credit report and I have gotten zero documents from XXXX, XXXX XXXX XXXX or XXXX not has the account fraud been verified with all XXXX credit bureaus. Now my information has also been part of a data leak and my information is on the dark web and no one wants to help. I have had attempts at my email, fraudulent charges on my debit card which I had to close and false inquiries and information on my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX  15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization

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 2024-05-04 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/year> : CitiBank sent a letter stating " We'll no longer call you about the past due status on your account ''. First of all, I never requested such a letter, nor did I request that CitiBank remove me from their calling list IF my account were past due. Secondly, my account has NEVER been past due. It has been paid within the grace period of all billing, and at most, 6 days past the due date but still in the grace period. CitiBank continues to make things up and manipulate my account. CitiBank is lying to credit reporting, and I have proof of all ON-TIME payments. And I have proof that I never requested a " do not call '' status on 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 non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: GA

Complaint narrative:
I have a loan with MidFirst Bank serviced by Midland Mortgage. I am requesting information regarding your active Bonds on file. Please see attachment for request of 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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/2021, I unfortunately faced financial difficulties due to the Covid-19 pandemic. In order to manage my finances responsibly and meet my financial obligations in the best possible way, I contacted BestBuy CityBank to request a deferral of my credit card minimum payment for those two months. The phone conversation I had with one of their customer service representatives assured me that my request would be processed without any issues and that no late payments would be posted to my account as a result of this deferral. Take the representative 's word for it and follow the instructions provided. 

My lease is about to end here at my lease home for me and my kids and I am looking to buy a house. 

I ask you to be so kind and help me change these late payments from late to on-time. 
Help our family get approved for a new home. If we can't change this, there's a big chance we could become homeless and you're my last hope, I hope you can help me. 

Listed below are late payments that are NOT accurate and those dates should be changed to PAID. 

As agreed Account Name : BestBuy/CitiBank Account Number : XXXX Report dates not specified : XX/XX/2021 and XX/XX/2021.

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 2024-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
In XX/XX/XXXX, I found my XXXXredit score dropped a lot, showing I have a collection account. The orginal creditor is an apartment complex that I never applied for in the past. On my XXXX credit report, it shows this account was open in XX/XX/XXXX. That was a moment that I move from one apartment ( under XXXX XXXX ) to another apartment ( under XXXX XXXX ). The creditor is the apartment under XXXX. The fact is I never lived in any apartment with XXXX company. 

I never received any debt information from the creditor or even the collection debt company. I contacted the collection company, they rejected to provide more information about this collection, they were just rudely pushing you to make the payment. Until now, the creditor still doesn't call back to me after I reached out to them. The company never reached out to me.

Company response to consumer: Closed with explanation