vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: VA

Complaint narrative:
3 accounts in collections that was paid off/charged off sent to collections its illega according to the fair credit reporting act. a loan cant be sold and charged off. XXXX? XXXX and XXXX XXXX XXXXXXXX XXXX AMERASSIST AR SOLUTION please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX1-TransUnion XXXX XXXX XXXXXX/XX/XXXXTransUnion XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion XXXX XXXX XXXX XX/XX/XXXXTransUnion XXXX XXXX XX/XX/XXXX-TransUnion XXXX XXXX XXXX-TransUnion XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -TransUnion 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy federal credit union is my bank. I was defrauded approximately {$22000.00}. It started with XXXX XXXX and was moved to XXXX  then back to Navy Federal and back to XXXX The dates are from XX/XX/2022 through XX/XX/2022. I contacted the Pennsylvania state police and file a report. I also filled out and filed a identitytheft.gov report. XXXX XXXX XXXX also was involved although XXXX XXXX  and XXXX XXXX XXXX both approved my claim. Navy federal credit union denied my claim then I put in for an appeal and was denied. I later found out that XXXX XXXX was also involved during this time. The amounts are {$3400.00} and {$3800.00}. I saw the claim for that and was denied. After I was given a provisional credit for the funds that were taken from me I remove them from navy federal credit union and put them back in the original account that they were taken from which was XXXX bank now Navy Federal credit union has my account - {$23000.00}. I believe my phone was hacked and I reported it to XXXX and sent my phone in to get a new one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: IL

Complaint narrative:
I closed my account in XX/XX/XXXX due to personal reasons. When speaking to a representative at XXXX Bank when closing the account she waived my {$25.00} late payment as a one-time courtesy and informed me that my {$200.00} security deposit would apply to my balance which meant I would not receive it back. I informed the representative that I was okay with that and was under the impression my account was closed. XXXX Bank has been reporting to my credit for years that my account closed on XX/XX/XXXX, because that date does not work in the companys favor, I am expected to take the loss for your company to drop the ball. XXXX XXXX had IT look into why XXXX has been reporting to the credit bureaus that my account closed on XX/XX/XXXX, and when speaking to her on XX/XX/XXXX, she stated IT could see something happened on XX/XX/XXXX, but didnt know what happened on that date. XXXX could not pinpoint what happened on that date and has no factual evidence of what happened but only a date embedded in your system she stated it could be changed to XX/XX/XXXX. As you can see, nothing is consistent with the information that has been told to me. The previous representative XXXX informed me that she could see where the account was closed on XX/XX/XXXX, so where is the disconnect coming from? XXXX XXXX informed me that XXXX closed my account on XX/XX/XXXX, because of a lack of payment and activity. Once an account is closed, the system triggers the deposit to apply to the balance within 24 hours. I asked her how it was even possible when the billing statement says the deposit was applied on XX/XX/XXXX. Her response was the system probably generated a generic date but, in her response that I have attached to this email, she stated my account was closed on XX/XX/XXXX, and the deposit was applied on XX/XX/XXXX. Please reference ALL calls for evidence.

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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ND

Complaint narrative:
On XXXX XXXX I was scammed due to people posing as USAA agents who got into my account and illegally transfer $ XXXX into my account and withdrew XXXX XXXX dollar checks out my account. Then USAA came and saw the funds return and left me $ XXXX in debt and they are trying to say it's my fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is regarding CFPB complaints # XXXX, XXXX, and XXXX. 
Attached are the proofs. 

XXXX XXXX  letter proves that identifying information was there to apply the payoff balance on XX/XX/22. 
The error was on Wells FargoXXXX. 
XXXX the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.

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 2022-10-20 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: VA

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Please delete these accounts from my credit report. 

XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX ) Account # 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 2022-10-20 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: VA

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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.

Please delete these accounts from my credit report. 

XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I used my paypal line of credit to purchase an in person training class to be completed on XX/XX/2022 as well as a facial beauty tool to be trained on for the amount of {$2800.00}. As of XX/XX/XXXX I still had not heard back on a confirmation of scheduling the class and I also was in the user group and saw lots of issues with the machine overheating and people having to buy 2 of them to work throughout the day etc. On XX/XX/XXXX I emailed and asked if I could just cancel the order due to my concerns and return the package once it arrived. On XX/XX/XXXX, the vendor agreed in writing to issue a full refund upon returning the unit and paypal instructed me to insure the package $ XXXX provided the mailing address for me to send it to, suggested I send it with a signature required, and instructed me to load the tracking information once It was complete. I did all of that exactly as instructed. Paypal stated that once the item was confirmed it was recieved I would receive a full refund 5 days later. I tracked the package, The item was signed for by the vendor herself according to usps on XX/XX/2022. I had to file this dispute many times and paypal kept denying my case. On XX/XX/XXXX I tried to reach out to the vendor to see what was going on and she didnt respond. its a very long story but the short version of this story is, the vendor agreed to issue a full refund for the IN PERSON TRAINING CLASS and the pen she was going to train me on. She received her pen back and signed for it herself and suddenly she changed her mind, decided she was not going to give me a refund AND she kept the pen! She states she sent me an email with training in it which is pointless because I was paying for an in person hands on class???? So she kept the money, kept the pen and didnt train me. I have tried all year again and again I keep reopening my dispute on this however when I call in they have people who have a dropdown list of reasons why a person would dispute something and none of them matched my reason. I sent a {$30.00} fax with the documentation they already had in their system yet asked me to fax. I paid {$27.00} to send the vendors item back as instructed. The vendor since that day has written multiple verbally abusive insulting emails to me stating I am XXXXXXXX  etc. and I am at a loss as to what to do now? I received no in person training and I returned the product and proved the vendor signed for it. Please advise. My next move is to report it to all 3 credit bureaus that it is FRAUD. I appreciate your time and response.

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 2022-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I would like to share that this company went into business with a corrupt, fraudulent, predatory loan company named XXXX XXXX XXXX. I had solar installed at my home from a company called XXXX XXXX that is now out of business and went bankrupt. I'm a customer that has a loan and they listed me as a creditor because they owe me {$7000.00}. I spent {$81000.00} that XXXX paid XXXX way before installation. I tried to cancel this loan and they wouldn't let me. I have a balloon payment in 18 months to come up with 26 % of my loan or payment will go up. Hmmmm ... .coincidence that it's the same percentage that XXXX  stated we would get back in taxes? Yea, I think not. I pay $ XXXX {$1000.00} a month between my loan and my electricity. I'm a XXXXXXXX XXXX veteran and YOU ARE BACKING UP AND GAVE MONEY TO A PREDATORY LOAN COMPANY! Your credit union is all over my contract, they're buying shares in their customers name WITHOUT their knowledge. My system don't even work and I HAVE to keep paying. They put a lein on my home, this is criminal!!!!

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 2022-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Regarding : Vehicle : XXXX XXXXXXXX XXXX VIN : XXXX Illinois Title # XXXX Registration Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To Chase Auto : I had a car loan with Chase which was used to pay-off a lease I had with XXXX XXXX. 

XXXX XXXX was also a party to the Lease transaction when I acquired the car new in XXXX. XXXX XXXX is still listed on title with the State of Illinois. 

XXXX XXXX should have sent the Title to Chase. and appropriate paperwork indicating a release of lien. XXXX XXXX reports sending all the appropriate paperwork to Chase. 

Chase was reported to send a release of lien to my current lender which is XXXX XXXX. However, Chase did not forward a title. 

At this point, I am not sure where the title is and how XXXX XXXX figures into the lease transaction. I suspect that XXXX XXXX provided financing to XXXX XXXX to purchase the car but am unsure. 

What I need to clear up my title is copies of the documents sent to Chase from either XXXX or XXXX. 


Background XX/XX/XXXX XXXX XXXX from XXXX XXXX. Lease term was 39 months & the lease was paid-off early. 
XX/XX/XXXX obtained a pay-off from XXXX XXXX for remaining balance to purchase the vehicle. 
XX/XX/XXXX opened Chase Auto-Loan account & Paid-off XXXX XXXX Lease Agreement in full . 
XX/XX/XXXX Opened XXXX XXXX XXXX XXXXXXXX & paid-off Chase Auto XX/XX/XXXX Chase Auto reported being paid-off Since XX/XX/XXXX I have had a car loan with XXXX XXXX. 
XXXX XXXX advised me that they have been trying to obtain a clear title since the account was opened and have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: WA

Complaint narrative:
Afternoon, I submitted a refund request to my federal student loan provider, Fedloan, back in late XXXX, as I was eligible for one ( paid off my federal student loans during the summer of 2020 ), and they promised to submit confirmation of my successful refund request to my email ( XXXX ). I never received confirmation, and now they seem to have transferred my loan account to another provider. I do not know which provider that is, as they haven't communicated with me at all. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: MS

Complaint narrative:
A few months back I requested my credit report from XXXX, Equifax and XXXX. I found multiple discrepancies listed on my credit file after recalerts that my information was found on the XXXX XXXX  with these agencies. That included places that I have never lived incorrect spelling of my name and accounts that do not belong to me. The last four of my social security number being incorrect also. I went through the process of trying to have this information removed. I also submitted letters to them asking them to verify the information. They sent me the responses back may be about a week after submitting complaints to them stating that the information may be correct. I feel they didn't do a thorough investigation into the matter. I sent each copy certified return receipt. I still did not get any results because it cost {$8.00} each time you send return receipts and over time that gets expensive. XXXX charges {$24.00} for a credit file lock and that gets expensive also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I noticed that a charge that was authorized XXXX XX/XX/2022 was not posted paid until XXXX XX/XX/2022. I prepaid for my services with XXXX XXXX on this card with the intention of paying off a car repair I was going to make. I checked my account daily and noticed that my payment would not post. Navy Federal 's policy is to pay two to five business days after it is posted. It was posted on XXXX XX/XX/2022, so it should have posted within that week, but it did not. I was told by a representative that different merchants have different policies on when they are going to post the payments. I was told sometimes it takes up to 15 business days for them to authorize it. My payments are always automatically authorized. No payment I make is delayed. I've made purchases even bigger than this and they were authorized and posted within three days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: MS

Complaint narrative:
A few months back I requested my credit report from XXXX, XXXX and Transunion. I found multiple discrepancies listed on my credit file after recalerts that my information was found on the XXXX XXXX  with these agencies. That included places that I have never lived incorrect spelling of my name and accounts that do not belong to me. The last four of my social security number being incorrect also. I went through the process of trying to have this information removed. I also submitted letters to them asking them to verify the information. They sent me the responses back may be about a week after submitting complaints to them stating that the information may be correct. I feel they didn't do a thorough investigation into the matter. I sent each copy certified return receipt. I still did not get any results because it cost {$8.00} each time you send return receipts and over time that gets expensive. XXXX charges {$24.00} for a credit file lock and that gets expensive also.

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