vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/2021 I mailed Navy Federal Financial Group : a cease & desist, affidavit of truth, and billing error via certified mail. Navy Federal Financial Group has not responded back with a certificate of indebtedness and/or the original contract with my wet signature. I would like to resolve this issue outside of court IMMEDIATELY. If not, I WILL pursue litigation to have this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
In mid-XXXX of XX/XX/XXXX, we contacted a roofing contractor to give us an estimate on replacing our old roof with a new metal roof. He quoted us a price {$8900.00} for a complete roof tear off, replacement of compromised roof decking, removal of old chimney, and installation of a new 5 rib metal roof with new gutters. He drew up the proposal on a contractor 's invoice as he was out of blank proposal documents. 

We agreed to this estimate on XX/XX/2021 and signed the estimate. We provided the roofing contractor a {$4600.00} down payment through XXXX using a Barclays credit card so he could lock in the price for the metal roof. The charge for that money was billed to our account on XX/XX/2021. 

To date, we have been unable to contact the roofing contractor to inquire about the work he agreed to perform as well as ask about a refund of the {$4600.00} that was charged to our account. We have been in contact with Barclays to resolve this issue and to try to get a credit on our account. 

The first dispute we filed with Barclays we were informed via letter dated XX/XX/2021 that the merchant has not violated the terms and conditions of sale. Another document stated that we somehow violated XXXX XXXX terms of service and that XXXX would not refund to Barclays for our account. 

The second time we filed a dispute with Barclays I faxed copies of the proposal that we had signed and again we were informed by letter dated XX/XX/2021 that Merchant has not violated the terms and conditions of the contract. They also stated in the letter that they would not be able to assist us further with this issue. 

We take issue with the second investigation because the contractor has absolutely violated the contract as we have not received any material and no work has been performed in the removing and replacing of our roof.

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 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
I first noticed a collection account from Fidelity Collection on my credit reports alleging that I owe them {$250.00}. I sent them a dispute on XX/XX/2021 asking among other things, to verify and validate the claim, showing a contractual obligation with my signature showing that we had done business or that I owed them. After not providing sufficient evidence, I sent a Final Goodwill attempt on XX/XX/2021, restating my claim and reasking for the contract or evidence that this alleged debt was mine. I understand with federal and state law, under the FDCPA, FCRA, HIPPA and others, that consumers have rights, particularly, to have alleged debts be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: LA

Complaint narrative:
On XXXX I placed order XXXX with XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I paid through Klarna. I canceled the order the same day. XXXX advised I could not cancel until the item was delivered. I rec 'd a notice from Klarna to make a payment. I advised Klarna I cancelled the order, and closed my acct to stop further withdrawals. I continued to receive notices from Klarna to pay. I contacted XXXX, who said they did not know when the item would be delivered. I contacted Klarna, they said they wanted paid. I said I didn't receive the item. In XXXX, Klarna said they received proof of delivery from XXXX, but failed to provide the underlying documentation. They told me to file a complaint with XXXX. XXXX said to file a complaint wiht Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Investigation took more than 30 days
Company: ERC
State: VA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Sirs, I have tried to open a bank account back in XX/XX/XXXX. I was denied multiple times by different banks. upon check on the problem of denial, I had seen that there is a " suspected Fraud '' notating by Bank of America on my XXXX report. I remember having a checking account with bank of America, never had an issue of any kind. Bank of American sent me a letter back in XXXX stating that they will be closing my account without any further notice. I had no problem with that, however, BOA reported " suspected Fraud on my XXXX report which is currently not allow me to open any checking account with any other Bank. 

In XXXX, I disputed the reported directly with XXXX, The reporting was updated to " Settled in Full ''. I'm not aware of any amount I owed to Bank of America that lead to be settled. In XXXX, the Term was updated to " Settled in full '' and consumer disputes the reported information. Early XXXX, I called XXXX and asked them to remove the inaccurate reporting. The rep of XXXX stated that Bank if America is supposed to remove the reporting. 

I mailed Bank of America ( address listed on the report in XXXX FL ) in XXXX to request evidence or at least clarify any of the reporting. Never gotten a response after 60 days. Then I decided to call the number of the department responsible for the reporting, I was transferred to Fraud department, then to Risk Department, then to Closure department. None of these was able to specifically tell me why this reporting is remaining on my consumer report nor why it was reported initially. 

I'm attached a copy of my latest chexsystem dated XX/XX/XXXX report showing the " suspected Fraud, settled in full, consumer disputes reported data.

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 2021-11-11 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: Conn's, Inc.
State: TX

Complaint narrative:
I paid 10 % of total debt in settlement offer through assigned 3rd party. I was provided a XXXX Balance letter yet the original creditor ( Conn 's ) did not update the account to reflect Settled on my credit. The account reflects closed with balance still in tact. They did however update the payment, but refused to update the account status. I made this payment ( Call is recorded ) advised that it would settle the account and remaining balance, not " update '' that payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: NY

Complaint narrative:
i got phone from XXXX in XX/XX/XXXX, i lost that phone and then got a new one under my moms name. these people kept harassing me calling me and sending me mails to my home, it was under the name of another company and then they put that on my credit and my credit went down by a lot of point, i disputed this with XXXX and then took it out of my credit and it was no longer there, then on XX/XX/XXXX i see this again on my credit and my credit went down by 52 points!! this is unbelievable and its a bother company with a new name!! this was in XX/XX/XXXX and they keep harassing me!! im tired it took me a year to get my credit to XXXX points and these people keep playing with my credit. i spoke to XXXX and they said they dont know why these people keep doing this to me

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 2021-11-11 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I disputed four old charge off accounts with Navy Federal that are past the statue of limitations with XXXX credit bureau. XXXX upon completion of the dispute deleted the accounts. Navy Federal Credit Union reinserted the accounts in violation of FCRA after having been deleted from my credit report for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
A collection was put on my account by Caine and Weiner. I never ever received any notices, or phone calls from them regarding this debt. I was never ever given the opportunity to dispute the debt, and this was put on my credit report without my rights to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix 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 2021-11-11 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 — Investigation took more than 30 days
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Please see enclosures regarding the earlier COMPLAINTS FILED COMPLAINT XXXX XXXX & COMPLAINT XXXX  XXXX As regards the replies from SLS Please be aware and know that the SLS reply to each Complaint is identical and does not address the issues in my Complaints. 

The enclosures state what SLS ignores over and over again along wiht SLS misinformation such as stating I said the LOAN was fraudulent when, in fact, the LOAN was USUARY. however, the FORECLOSRE was INTENTIONALLY FRAUDULENT. 

Most of the information given in the SLS reply is just words without relating to any of the content in my COMPLAINTS. 

Both of the replies will be downloaded herewith along with some of the photos of the INTERIOR DAMAGES within the SUBJECT PROPERTY PLEASE be aware the photos of damages are the only ones that could be reached. There are futhere damages that are hidden by furniture, boxes, etc. all to heavy or cumbersome for me to navigate.

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 2021-11-11 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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
Reached out to Aldous and Associates, refused to negotiate the payoff on the debt stated that XXXX XXXX  does not allow them to negotiate the debt. I had a XXXX XXXX account in which i had never used. XXXX collected over XXXX months of payments in which i never used thier services. I tried canceling the membership as i moved out of New Jersey, XXXX to XXXX NC. I moved to XXXX NC in XX/XX/2020 and informed XXXX in XXXX in which they refused to cancel the membership. There are NO XXXX XXXX in XXXX NC, when i tried cancelling the representative stated that i had to physically go back into the XXXX in XXXX NJ to cancel a membership that i would never use again. This is automatically placed me in a collection status because XXXX continued to collect on my membership although i had no physical way of utilizing their facilities or cancelling the membership. I would like this debt removed from my credit report as well as explore a class action lawsuit against XXXX XXXX for false advertisement. They stated that i can cancel at anytime with no contract, but they failed to inform me that i can not cancel easily. This need to me resolved quickly as this is preventing me from performing my job as a mortgage originator.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: NV

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
BB & T became truist and my account under BB & T did not allow for overdraft fees, now it does, further I have gained a second day of fees because I could not get to the bank to deposit a check today as they get the day off for XXXX XXXX charging me while they take the day off. The online checking doesnt work as the new truist app I have to use is essentially broken for XXXX  users.

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 2021-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
My husband who is now deceased open a line of credit through Colony brands with my social security number. It took over a year and a XXXX  complaint for them to close the account and say I am not responsible. They will not give me any credit in my own name, nor will they even do anything to correct the issue with me. I have had no contact with them. They say they sent letters I got nothing. I think they owe me for allowing a credit line to be opened in my name with due diligence. All I ask is for a credit line opened in my own name. I tried to apply and get denied which is totally wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
For the past few months I have been disputing inaccuracies on my credit report. The asset amount XXXX, Equifax and XXXX is reporting on the bankruptcy on my credit profile does not match any public records. No proper investigation was done into this matter because this information continues to report inaccurately. They are also reporting the wrong liability amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: LEXISNEXIS
State: FL

Complaint narrative:
Sent a letter to validate a bankruptcy on my Lexis Nexis report. As we all know, the bankruptcy courts DO NOT comply with credit reporting agencies. Who gave you permission to report on my behalf? Where did you get your information from at the courts? I want their name, number, email, address and department information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Investigation took more than 30 days
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank has charged me XXXX for a fraud that resulted in a overdraft for the XXXX that they are wrongfully holding me responsible for charges that I am 100 % not responsible for. 

TD bank has informed me that they conducted an investigation that resulted in their decision to wrongfully hold me responsible for these charges. 

I am willing to testify under oath in a court of law that I know nothing about these fraudulent charges and respectfully request CFPB to intervene in this matter. 

My Checking Account # XXXX and my routing number is XXXX Last 4 SS XXXX Thank You very much in advance.

Company response to consumer: Closed with explanation