vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I reached out to one of your representatives about an issue with my account. Instead of addressing my concerns or helping, I was told to submit a written request, signed three times, along with a copy of my identification via mail.

Following the representative 's instructions diligently, I sent the documents you asked for as soon as possible. However, despite my compliance, I have yet to receive a follow-up communication from Navy Federal . Concerned about the status of my request and the security of my personal information, I reached out again to inquire about the matter.

To my dismay, I was informed that the request should have been emailed rather than mailed. This discrepancy not only confused me but also raised significant concerns about handling my sensitive information. Despite expressing my frustration and apprehension, the representative needed help to clarify whether Navy Federal received my initial letter or why my account access was restricted in the first place. I should not have to call several times to get my questions answered! At this point I would never trust NFCU with large sums of money in an account. 

Furthermore, I was given an email address, XXXX, and instructed to resend the documents electronically. I'm just getting back to you once again, so I quickly sent the required materials. However, despite multiple attempts to follow up, I am still waiting for a response or acknowledgment from Navy Federal.

As a result of this lack of communication and resolution, I need help accessing my account online. The inability to obtain information over the phone, coupled with the geographical distance from the nearest branch, has left me feeling frustrated and powerless. 

I am deeply disappointed by the lack of professionalism and efficiency Navy Federal Credit Union demonstrated in handling my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting 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: CO

Complaint narrative:
For well over a year, I am unable to log into myequifax.com to manage a security freeze or lock, view my report, or get any access to my information. I have called called Equifax regarding this issue and was placed on hold while they attempted to resolve. Never got fixed. I am concerned about my own access to my credit report that I monitor diligently and what is by law information I should be able to secure and view.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A person called me today XX/XX/XXXX at approx XXXX XXXX  and left a voicemail. Message was left by a person called XXXX XXXX and they did NOT mention the agency that they were calling from. The caller ID came up as local to me ( XXXX, XXXX  ) at XXXX. In the message I was told they were contacting me due to a pending action against me and to call back immediately or they would be forced to make a decision without my consideration. Initially I ignored it, XXXX  the number and saw it came up right away as a scam alert on XXXX. 5 minutes later my adult daughter called me panicked that the same person called her threatening that if she didn't get me on the phone or for me to call them right away I could be facing legal penalties and possible criminal action. My daughter suspected fraud as well and the person hung up on her. After she relayed this to me, I called the number that was provided to me in the voicemail XXXX ( I did *67 to block my caller ID ). XXXX XXXX answered ( NOT the same person who left my message - different voice and no accent this time ). He asserted that he was working for XXXX XXXX XXXX out of XXXX. I asked for a website to visit the business but they don't have one. I told him I couldn't find them on XXXX  and he said law offices are not on XXXX. He was emphasizing that a subpoena was sent to me at my home and that I had to speak to an attorney. He forwarded my call ( I didn't take note of her name but she confirmed she was not an atty ). She said this was a debt collection from Capital One bank for a balance owed from XXXX. I then explained that I filed bankruptcy in XXXX ( XXXX XXXX XXXX and that I've carried a Capital One account since the filing and have immaculate standing. She was instant that I owed the debt and if I didn't pay I'd have to go to court. She ultimately hung up on me. 
I called Capital One and spoke to an agent. I was assured a few things from Capital One ; they settle their own debts and do not use 3rd party agencies nor do they sell the debt off, they don't use outside attorneys, they've never heard of XXXX XXXX XXXX, and that the debt from XXXX is far beyond any statute limits to collect at this point. 
This whole thing was very unnerving - the people contacting me were calling me by my prior married name but were able to confirm w/ me that they had ALL of my personal information. It feels like such a breach of privacy. I have already put a fraud alert on my credit to take precautions because I've spent the last 13 years building a solid credit history. My daughter also filed a complaint w/ XXXX  as well as the FTC XXXX Thanks for hearing me out here and looking into all of this. Attached to this complain is the voicemail that was left for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express, I discovered that a transaction on my American Express card was a result of fraud. In XXXX of XXXX I immediately initiated a dispute, and American Express started an investigation. They provided me with a temporary credit of {$7700.00}, which the merchant, XXXX XXXX XXXX, XXXX, refused to refund. After multiple attempts and complaints, I discovered that the merchant had been sued for deceptive business practices involving elderly customers. It was then that I realized I was a victim of fraud. Within the agreement I signed with the merchant was a 100 % money-back guarantee if XXXX XXXX failed to provide services which they did not. 

If we can not reach an amicable resolution within the allotted time frame, I will proceed with the filing process. My claim will be resolved through arbitration under the applicable rules of the XXXX XXXX XXXX. The best and most convenient way to contact me about this matter is through email. Please send all correspondence to the email below. I enjoy being an American Express customer and thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
CAPITAL ONE FINANCIAL CORPORATION is willfully reporting inaccurate information on my Consumer Reports. CAPITAL ONE FINANCIAL CORPORATION has Charged OFF my account ( s ) and sold my account ( s ) and private information to non-affiliated 3rd party XXXX XXXX XXXX ; whereas CAPITAL ONE FINANCIAL CORPORATION is currently as of XXXX reporting inaccurate dates, amounts, and a Charged Off account that they sold to XXXX XXXX XXXX. Remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiries are UNAUTHORIZED transactions. Also, remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. CAPITAL ONE FINANCIAL CORPORATION and XXXX XXXX XXXX are reporting INCORRECT INFORMATION knowingly. Both parties continue to violate my rights when I have written to these corporations on a vast number of occurrences requesting procedural verification methods/investigations and providing me with proof of who and where you confirmed your alleged information that is being wilfully and fraudulently reported. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been completed, causing harm, threat, stress, and XXXX to mine and my children 's livelihood. See the attached evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have no knowledge of these accounts or applying to any of these accounts. 

Dear Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I Financed a vehicle with Exeter Finance on XXXX and regularly made all my payments on time when I started overpaying my principles to pay off my car they started cheating me. they are not scheduling payments for me on time if make a payment they take all of the interest and if don't make a payment they will charge me interest for late payment i reached out to them multiple times but none of them gave me a good reason for it and they didn't solve my problem the only thing they all say is the need to collect the interest first. 

please see the attachment today is XX/XX/2024 it shows my payment due is XX/XX/XXXX but the scheduled amount is {$0.00} if I pay automatically it will go to interest if i don't pay next month they will charge me for not paying on time. 


looking forward to your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 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 However, they stated everything 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 an account without my written instructions.

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 than 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.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 than 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.

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 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This will be the second time that this has happened to me. Some one purchased a phone through XXXX XXXX XXXX ( not my cellphone provider ) by using my SSN. They let the monthly payments lapse which was then sent to a debt collector. The debt collector thinking it was me then put a mark on my credit report as a delinquet payment. The amount is the same as the first time {$1300.00}. This has been going on at XXXX XXXX XXXX for over a decade now and still no uptick in their security. The debt collector company is I.C. Systems. Inc

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 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 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 than 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 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 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 than 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.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Hi, i'm a XXXX  mother and also an XXXX XXXX XXXX I get XXXX every XXXX weeks. once my mortgage and property taxes where lumped together the month payment became a little harder with everything coming out in one paycheck. Starting in XXXX I was attempting to stop my auto payments so I could have my payments come out a little later, NOT late but it would come out of my XXXX paycheck of the month. For some reason I was unable to do this online so I always had to call and speak to someone. In early XXXX I again attempted to stop my autopay but this time not only did it say that I was unable to access my account but this time it said that my account was sold. ( not one time during the pervious months did live person tell me this ), I didn't receive a letter. I even looked up the bank that the mortgage was sold to, in attempt to make an account but I was unable to. I had to speak to a live person once again... I was told that the reason I am unable to get into my account or create a new account is because my mortgage was sold and I am in a " black out period ''. I explained what I explained above and she told me not to worry, since I am in a " black out period '', my mortgage won't come out for an additionaXXXX XXXX  days at the very least so we are looking at the XXXX at the very least, so call on Monday and you can sort everything out. I was told that if I had any questions she sent me an email. On Monday morning my mortgage was posted, I was neg XXXX in my bank account. I don't have any money for me or my child until Friday, and for some reason it feels like my mortgage company is trying to get me to default on my loan. I called Cross Country, in good faith thinking that they would help me and they said, oh I '' m sorry, since it has posited there is nothing we can do, but maybe we can help with mortgage assist ... ..... I have had XXXX  homes, I am a XXXX  mother, and XXXX XXXX XXXXXXXX XXXX XXXX  I don't need mortgage assist I need people to do what they said they were going to dol

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Delete unauthorized credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) immediately a violation of my privacy rights under the Fair Credit Reporting Act. This serves as my final warning ; correct this error within 30 days, or face legal action seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and Fair Credit Reporting Act violations. Your prompt resolution is expected to avoid further legal consequences.

Company response to consumer: Closed with explanation