vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal Froze my accounts on XX/XX/20 without any type of notifications. The company failed to send me an email, Text, or Phone call to inform me About anything. After attempting to use my debit card that was declined, I provided a call to the Navy Federal on XX/XX/20. After calling to see why the debit card was declined, A representative informed me that the company placed a freeze on my accounts for security purposes. The Company is  requesting proof of ID and residents. Ive provided this information to the company multiple times prior to the incident. Ive yet again submitted the information to the company and they have yet to unfreeze my accounts or release my funds to me. This is unexceptional and action needs to be taken ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I paid settled a collection ( account control technology ) account but two months later the account was still showing as unpaid and open with a balance on my Equifax credit report. I filed a dispute with equifax on XX/XX/XXXX and they reported back on XX/XX/XXXX that the information was accurate and " verified ''. 
I emailed the collection company directly on XX/XX/XXXX and that same day i got a response that the information would be correced with credit bureaus. On XX/XX/XXXX the account was updated to reflect the ACCURATE details on Equifax that the account was paid and closed. 
On XX/XX/XXXX I called equifax and told the representative that i DID NOT want to file a dispute. That i wanted a supervisor to look at my file and delete the collection account due New York State General Business Law Section 380-j section iv which mandates the removal of paid collection after 5 years - this was not an error on the creditors part but that on the part of equifax. As a NY resident the account should have been deleted as soon as it reflected a paid status. 
The rep stated that she was not filing a dispute and was requesting an internal deletion. However I received an email on XX/XX/XXXX with the " results '' of my dispute and the account in fact had NOT been deleted and instead the incorrect old information is back on my creidt report. 
To say that this is frustrating is beyond an understatement. That phone call to Equifax regarding the deletion required a hold of an hour and half. This reporting of INCORRECT information on my credit report not only is in violation of fair credit reporting law but has already cost me an adverse decision. I was denied a loan recently and ALL the reason for denial were due to the incorrect information being reported by Equifax. Both the denial and the inability to fix the reported information TWICE are all things I can seek damages for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
OnXX/XX/2020 a non-profit in NC provided my family with XXXX to help with rent/ mortgage from the rental relief fund during Covid-19. They processed the payment electronically to the account with NewRez. I have contacted NewRez multiple times via phone where I am told they can not locate the payment but once they find it they will apply it and not charge late fees. It will be a month this Friday that the payment is sitting with the service center and has not been applied. The non-profit that made the electronic payment sent me the confirmation they could provide however I received a letter from NewRez that  they cant find the payment, it is late, I will be charged fees and if I would like send them acceptable proof of the payment I can with a written request to look for it again I can. 

NewRez Reference # XXXX ( this is the actual account # ) Acct ****XXXX  Payment Reference # from Non-Profit not involved in the complaint 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 2020-08-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I have disputed this XXXX XXXX account on my credit with equifax and each time equifax states they have verified this account. I have asked equifax to validate this account by sending them a METHOD OF VALIDATION letter that I have attached as a document with this dispute. I have a XXXX score and this account is damaging my credit to the utmost. Equifax has had a breach and I explained to them that this account is a identity theft accountXXXX XXXX and XXXX has removed this erroneous account but equifax keeps sending me this PRE-MADE letter stating it was verified but will not provide and documentation to show this account was validated. Equifax takes my score and drops it tremendously. Equifax breach has caused a lot of damage. E-Oscar is a computer software with glitches and this is definitely a GLITCH! 
I demand this fraudulent account be removed immediately. FCRA ( 609 ) ( e ) documentation is what I have sent to Equifax. I am trying to resolve this matter before obtaining legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
> XX/XX/2020 I had a online deposit to my Chase checking account for XXXX from XXXX   XXXX. 
XXXX The XXXX XXXX  check was drawn off a Chase account > I live in XXXX, AZand the address on the check is XXXX Arizona > I received a notice that the deposit was put on hold and the funds would not be available in my account until XXXX XXXX. The message was vague and did NOT provide any concrete justification > I've attempted to call Chase 3 times and was put on hold for over 20 minutes each time after which I gave up. 
> It is my understanding Chase is required by law to make available {$200.00} within the first 24 hrs ; {$600.00} the following 24 hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Even though I have almost XXXX balance as I have used my BJ 's Perks Mastercard from XXXXXXXX XXXX they are suspending my card and was declined even though they admit I have an allotment ( free balance of {$3500.00} ) and told me that I made too many PAYMENTS on my card and was suspended for 72 hours XX/XX/2020 Online Payment from Account ending in XXXX {$400.00} XX/XX/2020 Online Payment from Account ending in XXXX {$290.00} XX/XX/2020 Online Payment from Account ending in XXXX {$100.00} XX/XX/2020 Online Payment from Account ending in XXXX {$200.00} XX/XX/2020 Online Payment from Account ending in XXXX {$300.00} XX/XX/2020 Online Payment from Account ending in XXXX {$270.00} XX/XX/2020 Online Payment from Account ending in XXXX {$100.00} XX/XX/2020 Online Payment from Account ending in XXXX {$200.00} After I called to find out why this is being done they are saying the software was written in XXXX and that only applies here, when I tried to advise them that USC 16c of the FDCPA specifically does not allow credit bureaus or collectors to  suspend payments received they told me they didn't care in a recorded phone conversation and to make a complaint. I thought this was so bizarre that I would follow thier opinionated advice and report them for violation of US Federal Law and they can thank thier call center in XXXX for the wonderful experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: CA

Complaint narrative:
Several inquiries on my Trans Union report that arent mine. I have called Transunion many times to resolve this but they are less than cooperative

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 2020-08-05 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
1. I was denied credit based on erroneous information provided by experian resulting in a loss of XXXX for purchase of an item and getting a XXXX XXXX Credit card. 

2. XXXX XXXX used fake information provided by Experian to deny me credit. 

3. Experian will not accept my dispute online and the only other way to dispute erroneous information is by a phone number that does not allow you to report the dispute due to a very long hold time and then hangs up on you and has very limited hours of operation. 

4. Experian appears to not have the level of security needed to prevent XXXX entities from accessing my credit report, as all that is needed is a merchant account and my social security number, which I had to provide when I traveled to XXXX. 

5. XXXX XXXX states that I was denied credit base on my Income Vs Debt ratio. Since my debt vs. income is very good, this is an impossibility.

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 2020-08-05 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 is still reporting an account they have yet to validate. I previously disputed the validity of the reporting by XXXX XXXX and requested documentation used to verify this account and received nothing from Equifax or the creditor. XXXX  and XXXX  were not able to verify the debt either so It was deleted about a year ago, yet I find it disturbing Equifax is still reporting false information. Equifax also has failed to update my reports and score in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: OH

Complaint narrative:
Please provide verification of account, validation of debt and the procedure used to Validate.

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 2020-08-06 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: OH

Complaint narrative:
Please provide verification of account, validation of debt and the procedure used to Validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: PA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX . INQUIRIES : US SM BUS ADMIN ODA | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX/XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I tried to contact XXXX XXXX directly because I knew I was late because a client had not paid me and I have now had to file a lawsuit. XXXX XXXX said I was a day late and they had sent me to collections and they could not help me. At that time the amount was around {$40000.00} but I could not even confirm this amount and they said they tool almost XXXX in points. On XX/XX/2020 I received a debt collection letter from XXXX XXXX which said I owed {$52000.00} which I had paid {$12000.00} directly to XXXX. Then on XX/XX/2020 I received a notice that I owed {>= $1,000,000}. These amounts were disputed and now I am getting debt collection notices from Nationwide Credit , Inc. saying I owe {$44000.00}.

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 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I got optional insurance via phone from XXXX in XX/XX/XXXX. I cancelled the insurance via phone on XX/XX/XXXX and received an email from the insurance company that the policy was cancelled. The mortgage company, Ditech, made monthly payments to the insurance company for 4 months before the mess was straightened out. It took some time before XXXX sent a letter of cancellation to Ditech. XXXX bought Ditech last year and there is no contact information for Ditech on the web and the old phone numbers are no longer in service. Although XXXX bought Ditech, I was told by customer service that XXXX can't help me since this happened under Ditech. I'm trying to get a mortgage loan now so that I can buy a house. The mortgage company that I'm dealing with now will not approve the loan with those late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have written CMRE three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and called twice ( XX/XX/XXXX, XX/XX/XXXX ) requesting validation of this debt of {$380.00}, which I still do not have. I responded within the 30 day window to dispute, yet they had already reported this to the credit bureaus. The only thing I have ever received back is another invoice of charges, but no supporting proof of the debt. I have contacted the original creditor & they have no record of this debt at all. I have disputed with XXXX  and was told CMRE verified the debt as accurate when investigated. ( Although XXXX refuses to provide their method of verification. ) CMRE is violating my rights of the FCRA by continuing further collection activity, including credit bureau reporting, without validating this debt. They have ignored my requests for validation. This debt is not accurate, complete, or verifiable, yet they are continuing to credit report it. 

Furthermore, I believe they have re-aged this debt of {$380.00} from XX/XX/XXXX by giving it a new account number. I disputed this as well, but no response from CMRE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: GA

Complaint narrative:
Collection agency Vance & Huffman purchased this debt from XXXX XXXX. The original date of this debt was XX/XX/XXXX. Vance & Huffman is deliberately re-aging this account to show it as XX/XX/XXXX in an attempt to affect my credit rating, cause denial of credit and to cause me higher interest rates & loan terms. I have asked them for all media pertaining to this debt as I have the original contract opened up in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 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: OH

Complaint narrative:
Please provide verification of account, validation of debt and the procedure used to Validate.

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 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I was in the middle of negotiating a payment plan with the doctors office I had recived treatment from- 'XXXX  XXXX XXXX  '. She left a message on my phone when I was at work on a Friday and threatened me that if I did not remit payment in full that day, she would send my account to collections-. When I got the voicemail I called back immidietly but it had been too late and my account had been sent to collections. I got a call from " Fidelity Collection Agency '' and they asked me for payment. I immidietly told them I was contesting the validity of the claim, I did not think the collection was valid, had been informed about the collection over voicemail and had not been given a proper time to pay. 
They ignored me and said that it was valid since it was with them now, and they wouldnt have unvalid claim ( this made no sense ). I asked for proof, they provided non. They were extremely aggressive, and warned me if i didnt pay it would ruin my credit and stay on my credit for years. 

They also lied about saying they send me a settlement offer by email, i never received it. When I asked to have it resent they refused. I am not comfortable with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I set up automatic payment online for this account for the balance on the account 's last statement be paid in full on the due date. I have a confirmation that the AutoPay was set up correctly that on the due date the account balance will be paid. However, I keep getting emails saying that Bank of America will NOT AutoPay the balance, but the minimum & NOT on the due date, but the day after-which can subject me to late fees & finance charges. Then I have to call and wait online sometimes for hours to get a refund. Today, I finally got someone on the phone XXXX @ XXXXcustomer service rep named XXXX, and having spent over 40 minutes explaining the problem she seemed to NOT understand she finally gave me an explanation that made absolutely no sense. Something about that a month prior to the last Statement I had a credit balance ( because Bank of America instead of AutoPay the statement balance it only AutoPaid the minimum, charge interest & I had to go through this whole thing then to get a refund, hence the credit balance ) and " because of the credit balance, only the minimum is paid because Bank of America gets confused when there is a credit balance and doesn't know how much to AutoPay, even if the last statement has a balance ''. As I stated - MAKES NO SENSE!!

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