vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2022 I contacted XXXX XXXX via XXXX XXXX Mail # XXXX My purpose of contacting the company was to properly address their violation of XXXX XXXX XXXX XXXX XXXX Pursuant XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) subject to section XXXX of this title, any- ( XXXX  ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; by reporting this transaction or experience ( Utilization ) on my consumer report which XXXX clearly states IS NOT included on my consumer report I have properly attached all documents that are needed for verification as originally sent with the original letter ( this would include the account numbers along with my id and proof of address ). The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and my demands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TX

Complaint narrative:
I HAVE CONTACTED EXPERIAN AND DISPUTED THIS FRAUD ACCOUNT US DEPT OF EDXXXX AND EXPERIAN NEVER INVESTIGATED OR RESPONDED TO MY DISPUTE. EXPERIAN IS VIOLATING MY RIGHTS AS A NATURAL PERSON. PURSUANT 15 U.S.C 1681S-2. THEY HAVE FAILED TO NOTATE THE DISPUTE ON MY CONSUMER REPORT! THEY HAVE BROKEN THE FEDERAL CONSUMER LAW!

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX closed my account after someone got password and tried to cash in fraudulent check. They said I would recieve my funds in my account, XXXX XXXX after a few weeks in a check. It has been months now and I have even continued receiving statements showing my money in account but I can't access account online or is card! I have no access to money they are holding hostage.

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 monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We had a mortgage on our primary residence with XXXX XXXX  XXXX. On XX/XX/2022, we received notification by mail and email from XXXX Mortgage XXXX that our mortgage is transferred to Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. We were also notified that we should expect communication from Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX on how to setup mortgage payments with them within XXXX weeks of transfer. The effective date of transfer was XX/XX/2022. 

Today it is XX/XX/2022 but we have not received any communication from Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. On trying to register their website, with intent to make mortgage payment, we continue to get various errors. On calling them, we were put on hold due to technical difficulties and later promised of a call back but never received any call back. 

We are worried that Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX is trying to put us into default with malicious intent by avoiding any form of communication with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have accepted and returned all documents and negotiable instrument to Bridgecrest for the full amount due for my account. On XX/XX/2022 Bridgecrest sent back copies of all documents I sent dishonoring my payment. how ever they did not return my legal tender of payment via receipt pursuant to state and federal law a debt is a discarded specie of payment if not returned within a reasonable time. They are trying to induce me in to a fraud by paying additional " united states currency '' when the debt obligation is already payed in full and that according to the bill of exchange act a negotiable instrument is commercial paper that is also currency. Furthermore, their isn't money according to XXXX XXXX so I should not be forced to pay in debt notes under duress and cohersion when federal and state laws clearly state how to endorse and tender a payment lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I tried to use our flight credits on XXXX and logged in on my account. Upon trying to book our trip, it didn't finalize. Instead the customer service number came up to call. So I called the number. It was XXXX customer service number but the wait time was 30 min. There was an option for call back. So I chose to call back. 30 Min later, XXXX agent called, who was a scammer and I had no idea he was a scammer. He could pull out my itinerary and knew all the passengers I was gon na book. He said the reason it didn't go through was my credits were expired but he can refund the whole amount to my credit card and I have to create a new booking at the same time to pay for this new booking. I used my bank app to send money ( 4 transactions for {$1800.00} ) through my bank app XXXX which I never heard. He told me how to do. After the XXXX transaction and hanged up the phone, he never sent me an itinerary. Then I realized I was scammed. 
I called the bank, the banker opened my case up to investigate but the bank is unable to guarantee my credits back. 
Please examine if my case will qualify to be covered by the Electronic Fund Transfer Act and Regulation E.

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 2022-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD Astra XXXX XX/XX/2022, {$340.00}, I was informed via another bureau that indicates the det doesnt belong to me. I also made contact with the compnay directly and they advised they sent out all necessary information regarding the validation of the debt which they found to not be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today at XXXX XXXX I received notification that my Federal income tax ( {$14000.00} ) had been deposited into my account. After arriving on XXXX XXXX Chase branch, walks inside to the ATM to withdraw a large amount and each transaction was red flag, denied transaction. I proceed to wait in line to see why I was unable to withdraw funds, I was told my income tax was available but the check was pending " even if funds states available ", I was told by branch manager due to the Chase rules. I couldn't withdraw {$5000.00} ( for a security deposit for a home for me and my kids ). WHY???? My XXXX check was just available XXXX hrs prior PENDING and release. Perfect examples on XXXX issues within the system of Chase banking system.Treats people of XXXX as criminals walking into a bank to withdraw money from my own personal account..Sickening!!!! Embarrassing me, I refuse to allow Chase banking to keep me down and hold me back from life based on my XXXX. I will still open my business this year, I will still buy my home and will still be able to use my account, just not with Chase. I can't keep wasting my time crying about how i'm being treated. Chase doesn't deserve my business, Chase is not for people of XXXX and it is what it is. I just submitted my proof of income to these ppl and can't pay for the unit.. I was allowed {$1000.00}, XXXX!!! While in the bank Chase texting/emailing stating " fraud alert ''. I can return for my transaction .Chase shall see me in court!!! XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( XXXX ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. Pursuant to 15 USC 1681a ( d ) XXXX, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As defined by congress in 15 USC 1602 ( 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. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I the consumer asserted my rights to validate a debt with UNITED COLLECTION BUREAU INC. However, UNITED COLLECTION BUREAU INC decided to continue violate my rights by denying me the right to validate any " alleged '' debt amongst others. I have details of these individual actions in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Cred at XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the amount of { {$620.00} } the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
My mom applied for a loan with New American XXXX  in XXXX. Meanwhile my mom passed away on XX/XX/XXXX. We have court litigation going on because my brother created a new trust but did not fund the trust with the properties and it appears the new trust will be thrown out. 

The properties belongs to the XXXX XXXX XXXX XXXX and it is recorded revealing that I am one of the co-trustees. 

The lender did not asked for proper documentation showing that my brother is legally responsible for any of the properties ( 4 ) but yet the lender made my brother the owner just on his word. 

New American ( XXXX ) XXXX Loan Numbers ( 1 ) # XXXX ( 2 ) # XXXX I expect the lender would ask for proof such a court order before changing the ownership of the properties. 

Thank you, 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 2022-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I FILED A DISPUTE TO REGARDS THE ITEMS AND I HAVEN'T RECEVIED ANY INVESTIGATIONS RESULTS IT BEEN WELL OVER XXXX TO XXXX DAYS. INTO THE INVESTIGATIONS. NO RESULTS ACCOUNTS XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: MS

Complaint narrative:
I am XXXX XXXX a consumer and natural living person submitting this complaint and there is no third party involved. I have been violated and Transunion committed fraud on my consumer report. I did not consent, benefit, nor authorize these fraudulent accounts on my consumer report. I demand TRANSUNION DELETE IMMEDIATELY.

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 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I.C. SYSTEM, INC Reached out regarding balance. I advised him that this debt did not belong to me. They gave me instructions to reach out to The original creditor. When I reached out to the creditor to resolve issue their business phone was no longer in service.

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 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND FUNDING ( account number XXXX ) is attempting to collect a debt from me that was paid. This debt has already been paid. The money was garnished from my wages. The original creditor was XXXX XXXX XXXX. The payment number is # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am an American Express Credit Card holder and have recently experienced a troubling and deceptive practices by this vendor. For example, I recently paid my account in full for XXXX statement ( closing date XX/XX/XXXX ) before the due date of XX/XX/XXXX. Per the credit card statement disclosure in my XXXX statement, it states : Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay each month your entire balance ( or, if you have a plan outstanding, your balance adjusted for plans ) by the due date. 

I paid off the entire outstanding balance in XXXX and before the due date, therefore why did I accrue interest? American Express was able to waive the interest under a one-time courtesy, however as a consumer I was compelled to raise my hand after seeing the printed disclosure reflected on my statement and via the CFBP website. The American Express online billing allows a consumer to pay minimum payment, statement balance, total balance and other amount. I was told by American Express if I wanted to avoid interest charges, I would need to call customer service for them to generate a payoff balance and make a payment with the representative. Again, very deceptive practices, given my choice was to select total balance in full and I was still charged interest. All the options to pay off a balance via their online application, neither of the options calculate an actual payoff balance. This information again is not stated on their disclaimer, on how to truly avoid interest. One must call and speak to an agent. 

Account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: FL

Complaint narrative:
I would like to file a Fair Credit Reporting violations report against this credit bureau. They continue to report a XXXX XXXX XXXX account on my credit report incorrectly. I brought this to there attention and up to this date they have not deleted it from my credit report of fixed the matter. On XX/XX/2021 I requested from this credit bureau there method of verification as it pertains to this account as this is my rights under the Fair Credit Reporting Act. Seven months have passed since I made that request and that method of verification has not been sent to me as yet. I am enclosing a copy of the letter that I sent them asking for such a request and a receipt from the post office showing that they got the request. The Fair Credit Reporting Act clearly states that a credit bureau has 15 days after they have received a request from a consumer for there method of verification for them to provide it to the consumer. 
Seven months have passed and I have not gotten the method of verification and this is a clear Fair Credit Reporting Act violation for which I can seek damages for in the court of law. The Fair Credit reporting Act states that if the credit bureau is unable to furnish the item requested then this account should be deleted from my credit report. 
I am therefore asking you to delete XXXX  XXXX XXXX from my account due to the continued reporting of incorrect information on my credit report and for not providing me with your method of verification which is a Fair Credit Reporting Act violations. Kindly delete XXXX  XXXX XXXX from my account immediately please.

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