vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union show on all XXXX of my consumer reports. The NFCU appears as being late 30 days. Yet the send me documentary evidence that shows me as the original creditor. The documentary evidence shows a finance charge was applied to this alleged debt.

15 USC 1605 Determination of a finance charge ; 15 U.S. Code 1605 - Determination of finance charge. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

With finance charge being deemed " sum of all charges. '' A creditor or alleged credit has not right to treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant 15 USC 1602 ( l ). The existing device used as a credit card in this transaction was my social security card. Remove all late payments immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
XXXX XXXX with Midwest Service Bureau ( Collection Agency located in XXXX, KS ) has been harassing me for the last XXXX months regarding my medical bill that was sent to them by Kansas XXXX XXXX. He calls me multiple times a day at all hours and throughout the weekends as well. I had attempted to set up a payment plan with them and through what appears to have been a misunderstanding that I have attempted to resolve with him politely and professionally only to be verbally abused, threatened, and talked down upon in each of our conversations that have led to nothing. He uses highly inappropriate language often cursing throughout our conversations completely unnecessary and seems to think that it is okay to say that the entire situation is my fault because I had ignored my unpaid balance for so long that it must be taken care of immediately by actually setting a deadline for me of XXXX days to do whatever it takes including calling family members, friends, charitable organizations, co-workers, etc. to loan me the money that I owe HIM. He claims to work for Kansas XXXX XXXX by saying theyve hired him to collect the debt for them as if he himself is going to personally send the funds directly to them upon receipt. He also claims there have been multiple Representatives that have tried to work with me to no avail, yet I have only ever spoken to him and have never communicated with anyone else at the company. This medical expense originated from a diagnosis of an XXXX XXXXXXXX and emergency hospital stay that lasted over a week. I was unemployed at the time due to XXXX and upon my diagnosis, was unable to work full-time for 6 months. I am also currently going through a lengthy and costly divorce that started back in 2019 and has yet to be completed- this has brought even more financial hardship. I am just now able to start catching back up financially. XXXX XXXX behavior is unacceptable and I will be filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX XXXX sold an old account to XXXX XXXX XXXX. I settled this debt in XXXX and they marked it as settled for a less amount and it was removed from my report. The same debt from XXXX XXXX XXXX has repeatedly shown back up on my credit report with different companies. The current company is called ENHANCED RECOVERY COMPANY. I have disputed this collections account so many times and they just sell it to a new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I had my taxes sent to credit karma. I transferred all my funds to the savings account and didn realize I could only withdrawal 6 times a month. So I closed my savings account with credit karma on XX/XX/XXXX and was told I would receive a paper check in mail within 7-10 business days. It is now 15 days and still no check. On Sunday XX/XX/XXXX I was emailed and told my check was delivered after complaining and emailing asking for tracking number or where my check was. Now they are telling me that it was delivered and someone from the specialist team will contact me thru email because they don't have a phone line to communicate thru. That was 6 days ago. I have called every day since multiple times with different responses and them transferring my call back and forth between the same 2 representative. I have been recording our phone conversation for that purpose to prove it's the same 2-3 people I am talking to. Except they keep changing their names. I can also hear ppl laughing in background while on a business call about my funds which is very unprofessional and sketchy. I just want to know where my check is. It is XXXX dollars. And need that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Ive paid Marcus by Goldman Sachs Bank US for a loan amount that I owed. The bank hired XXXX XXXX XXXX XXXX  to collect the XXXX. I negotiated a payoff in the amount of XXXX and paid the balance in two payments. Payment one was on XX/XX/21 in the amount of XXXX and the second on XX/XX/21 in the amount of XXXX. Ive contacted both XXXX and Marcus by Goldman Sachs and they have both been no help. I have a paid off balance letter from XXXX and Marcus By Goldman Sachs says they do not have it and I still owe the balance. The two companies will not speak to each other as Ive tried everything as a consumer to get this fixed. Goldman has no way of contacting XXXX to get this updated. They have been reporting that I still owe a balance and reporting me late every month for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for credit through XXXX too take ach payments XXXX said Equifax is showing my ssn is fraudulent and not belongs too me I called Equifax had freeze removed they said it's clear too run it's not there causing me financial hardship by refuse too release my credit report and score this is in violation of the farc act they refuse too help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX RE : Synchrony XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Credit Card Subject : Credit Card XXXX I am contacting in reference to a purchase made through my XXXX XXXX XXXX Synchrony card. My original purchase had a delivery date of XX/XX/XXXX for a portion of my purchase which totaled {$2200.00} to synchrony. The second shipment was to be delivered was XXXX to Synchrony which totaled {$3600.00}. 
Initially, I disputed XXXX due to it wasn't XXXX of my purchased amount listed above but I called XXXX XXXX XXXX to find out that they were billing my purchases separately. I had to dismiss the dispute and this took a few months to fix. I called XXXX XXXX XXXX and Synchrony to ensure this was fixed. However XXXX XXXX XXXX took responsibility for the error and Synchrony has not fixed the amount on my account since day XXXX. Synchrony has doubled and tripled some of the purchase amounts. It is a year since I purchased the bedroom set. As of right now my balance is showing as {$4200.00}. My balance has even been over XXXX. Which is all incorrect. I have called so many times to no avail. I have been told over and over this will be fixed however its not. Meaning, I have called weekly & monthly since this circumstance happened. I have spoken to customer reps and supervisors and to no avail. Another issue is they have reported these inaccurate amounts to my credit reports every month. I wish I could include my receipts for my orders from XXXX XXXX XXXX which I provided to Synchrony as well. I also have XXXX statements which both have the totals wrong. I confirmed my actual purchase amount with XXXX XXXX XXXX twice as well. Due to the fact I have called Synchrony weekly and monthly for almost a year I am requesting your assistance. In addition, I have been making payments on this as well. My current total as of XX/XX/XXXX should be {$2800.00}.

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 explanation
Consumer complaint received 2022-04-05 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I have not received any confirmation on how you verified the alleged account attached in Exhibit C therefore request that you consider this final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Credit Plus Inc
State: OH

Complaint narrative:
I have not received any confirmation on how you verified the alleged account attached in Exhibit C therefore request that you consider this final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( XXXX v. XXXX XXXX XXXX. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,

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 2022-04-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( Thomas v. Hyundai Capital Am. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,

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 2022-04-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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 2022-04-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: KY

Complaint narrative:
I left the XXXX apartments in XX/XX/2017 owing nothing! And along comes this collection for {$270.00} from Capital Accounts. So I ask for an itemized breakdown of all charges & fees that total {$270.00} and a copy of the original lease agreement I signed. 

All I receive is a boiler plate letter with the amount {$270.00} no breakdown or lease agreement! 

I have disputed this several times through the credit bureaus, asking for an investigation, but it is always validated with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
My card is with Prosper/XXXX XXXX XXXX On XX/XX/XXXX my card was restricted with no reason. My balance is low ( {$250.00} out of {$800.00} ) and I have made multiple payments. No late payments. I called and was told they were checking my account for fraud and it would be cleared up in 24 hours. 4 days later they emailed me that I needed to make an additional payment to have the card unlocked. I had already paid that month 's payment but I paid an additional amount. The next day my card was still locked and I called. This is now XX/XX/XXXX. I was told that they just have my card restricted for an undetermined amount of time. They would not let me speak to the fraud department or a supervisor. I insisted to speak to a supervisor and I was left on hold for 20 minutes then the line disconnected.

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 2022-04-05 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: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
Ive paid XXXX by XXXX XXXX Bank XXXX for a loan amount that I owed. The bank hired zwicker and associates pc to collect the damn. I negotiated a payoff in the amount of XXXX and paid the balance in two payments. Payment one was on XX/XX/21 in the amount of XXXX and the second on XX/XX/21 in the amount of XXXX. Ive contacted both Zwicker and XXXX by XXXX XXXX and they have both been no help. I have a paid off balance letter from Zwicker and XXXX XXXX XXXX XXXX says they do not have it and I still owe the balance. The XXXX companies will not speak to each other as Ive tried everything as a consumer to get this fixed. XXXX has no way of contacting Zwicker to get this updated. They have been reporting that I still owe a balance and reporting me late every month for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Hi theres two capital one accounts in my name also a checking account which I never opened due to me having bad credit and not applying for anything since 2017. Ive already filed complaints to capital one and Ive assumed theyve gone unnoticed the next step is a lawsuit for pain and suffering and trying to get this matter off of my credit because I havent applied for anything from capital one never needed a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a purchase that turned out to be from a fraudulent seller, Truist is refusing to re-open the claim because it " timed out '' as I never received their mail. They never notified me the claim was being closed, or that the merchant responded to their request for information. Instead of a kids 400+lb playset, we received a pair of fake sunglasses, but nobody along the way reviewed the tracking information to see that what was sent was not what was ordered and the seller will not respond of course as they are fraudulent. Multiple times I've been told by Truist, over the course of a few months, that I would be getting a call back from their supervisors, but the calls never come.

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