vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To Whom it may concern In the past couple of years I've been monitoring my credit accounts which the three so called major credit bureaus. It has come to my conclusion that they are not on the same page. I understand that there may be differences in the way the do credit reporting but the its my opinion its all a scam. At the end of the day the game has to be played. The last 2 years I've been trying to get my credit in order but seem to have issues with Transunion. The report is the same as my XXXX  account but 30 to 40 point lower. WHY! Just recently I tried purchasing a home which I qualified for and learned through my lender that when qualifying someone they'll go to the lowest score. Still XXXX. to me. Again at the end of the day the game has to be played. Question tho is this fair credit reporting. Another thing I've been witnessing with the credit reports those which can be obtained online is there is always a charge. It has been my assumption that consumers are given a free credit repot once a year. My complaint is not just because I needed to get my credit straight but because I see no true fairness if these. If the 3 are not on the same page or dam near close. I'd love to show you my reports and its an obvious concern. My complaint again is more of a concern.

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 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I got an engagement ring on Kay Jewelers on XX/XX/XXXX, got a $ XXXX {$700.00} credit with them and I paid up {$700.00} up front to take out the engagement ring that I wanted. I stopped paying for it & on XX/XX/XXXX they called me supposedly that I got served and that I had to pay almost {$900.00} for it not to escalate for it to go to court. He was pretty insisting on the payment and I told him that I would preferably do it later because I wasn't sure it was legit. He had my SS # and a bit of information on the debt. I want to know if I'm actually being served before I try to pay to a scam.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
barclay is reporting 0 information stating I owe XXXX. They called to harrass me after i called them to remove this information. They said we will not remove the account barclay if I dont own it I said I never had this account and I cant pay XXXX.Its ruining my credit Im trying to buy a house. How can they legally report this? Please remove it. Please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This is in response to case XXXX. Navy Federal has defaulted by not rebutting my affidavit with an affidavit however I am giving you an opportunity to cure by giving me the previous remedy requested. I have attached my initial complaint with these requests for reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
Good evening. 
My name is XXXX XXXX, a former XXXX XXXX Veteran, a former SC XXXX XXXX  giving selfless service most of my life. Cell : XXXX. Address : XXXX XXXX XXXX, XXXX  XXXX  NC XXXX Email XXXX My complaint. 
Gym membership opened in XX/XX/XXXX @ XXXX XXXX @ XXXX XXXX XXXX XXXX location. 
I moved to XXXX NC in XX/XX/XXXX. 
I ask to CANCEL my membership @ XXXX XXXX. The manager at that time said he would transfer my membership to XXXX XXXX in XXXX NC where I live, so I agreed. 

Here is where two problems exist. 

XX/XX/XXXX my gym closed for 3 months if not longer. During this time I personally ask to cancel my membership, the XXXX XXXX XXXX. The manager there told me to write a letter to their corporate office in order to cancel my membership. What? 
So I did. I sent a letter to XX/XX/XXXX XXXX XXXX AR XXXX giving specific details why I am canceling the membership, as I did in XX/XX/XXXX. XXXX XXXX stated that they would not take from my account while COVID-19 had the gym closed. They never stopped taking from my account. 

Thats a problem but not the BIG problem. After canceling my membership in XX/XX/XXXX I believe everything was completed on both ends. As of XX/XX/XXXX, my credit report showed I was placed in collections for {$99.00}. When I investigated, it showed ME opening an account/membership in XX/XX/XXXX to XXXX XXXX. This is fraudulent behavior that needs to be exposed. If they are doing this to me, how many others are they doing this to? 

So I called the XXXX XXXX XXXX XXXX to see what is going on? 
XXXX, the manager looked into it and apologized for the miss-hap. 
He couldnt believe that this happed and could not explain who opened the account NEW MEMBERSHIP that issued a {$99.00}. fee. 
But XXXX had it taking off my Credit report. So I thought! 

As of XX/XX/XXXX, I received a letter from Adouls law firm XXXX XX/XX/XXXX stating I am going to collections if this {$99.00}. is not paid. This law firm is paid by XXXX XXXX. 
I did not join XXXX XXXX again in XXXX or ever in my lifetime. They took 3 months {$60.00}. total while they were closed, I canceled filling out the form, letter and personal acknowledgment stating I am canceling the membership. 
Now someone opened an account in XX/XX/XXXX apparently in my name! Fraudulent documentation. 
Please XXXX XXXX help me. 
I do not owe anything to XXXX XXXX, I cancelled the membership by their rules and still am being harassed. I cant believe that this is happening to me! 
Thank you for taking your time to read my statement. 
Hope to hear from you! 
May GOD bless you! 
XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: NJ

Complaint narrative:
XXXX XXXX card does not belong to me please delete from my credit report XXXX XXXX XXXX XXXX  I was never late please remove from my credit report. Always paid on time

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 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX  XXXX card does not belong to me please delete from my credit report XXXX XXXX XXXX XXXX  I was never late please remove from my credit report. Always paid on time

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 2021-03-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX  XXXX card does not belong to me please delete from my credit report XXXX  XXXX XXXX XXXX  I was never late please remove from my credit report. Always paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received letters that the bank is closing my accounts due to risk but did not receive letter for my account XXXX Why is this account open but all the other accounts to be closed due to risk??? 

Please investigate this further because it makes very little sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: GA

Complaint narrative:
I am a victim of identify theft the accounts listed in this doc and the doc attached have been furnished without my consent or my authorization. This has been damaging to my reputation as a consumer and violation of my right to privacy as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have a bluebird account with American Express. I am unable to use the card as intended as used in the past. When transferring amount to sub account is says pending and never transfers the money. Customer service will not help. They say to try later or call back later to no avail. The phone number automatically disconnects XXXX. On phone this moment with American Express. On hold for 20 minutes. No help. No answers. No further people to speak with. XXXX at American Express actually said XXXX is not part of American Express. American Express is listed twice on the front of the card and once again on the back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I checked my credit score on my bank app and noticed my credit sore had dropped over 100 points so I investigated and scene it had dropped due to non payment on a loan to Affirm Inc. I then called XXXX XXXX to report my finding. I called XXXX XXXX again on Tuesday XX/XX/XXXX and was instructed to contact Affirm Inc to report the fraud. I called Affirm and reported the false account my information was taken and I was told the issue would be escalated and I would hear from someone in five business days by email. Five days went by I called Affirm Inc again on XX/XX/XXXX and was given case id : XXXX. Affirm did not have any information other than my name associated with account XXXX and in later calls would not give me any information on the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Re : Complaint ID XXXX Despite assurance in writing from Specialized Loan Servicing, dated XX/XX/XXXX, that " An escalated manual update to remove negative credit reporting for XX/XX/XXXX and XX/XX/XXXX has been sent to the credit reporting agencies '', XXXX  still shows us 30 days late on the mortgage Loan No. XXXX. 

This loan was paid in full on XX/XX/XXXX and we were never late on any of our monthly payments. We had excellent credit. The title company, XXXX XXXX XXXX, erred in the payoff process when we sold the property by sending an incorrect payoff amount to Specialized Loan Servicing. Specialized Loan Servicing was extremely uncooperative throughout the process of getting that situation rectified. Instead of working with the title company, Specialized Loan Servicing reported us 90 days late to all three credit reporting agencies. That action has been extremely detrimental to our credit scores. 

Thanks to CFPB, Specialized Loan Servicing responded to our original complaint. Two of the credit reporting agencies have since removed the negative credit reporting. However, XXXX  still shows us 30 days late on the mortgage. The negative credit reporting continues to impact our lives. 

This issue has been ongoing since XX/XX/XXXX. We have spent countless hours trying to resolve this matter.

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 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
XX/XX/19 opened account with Gemini, transferred in {$100.00} to purchase XXXX. Unable to withdraw funds until account is verified. Have been pending verification since XX/XX/19. No customer service support available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH

Complaint narrative:
Debt recovery solutions was provided with my bankruptcy attorneys name & contact information on XX/XX/2021 and advised to not contact me any further. On this date Debt Recovery solutions had one debt on my credit report for {$430.00} which was subsequently removed. However, despite the automatic stay granted me by filing bankruptcy, Debt Recovery Solutions VIOLATED FEDERAL BANKRUPTCY COURT LAWS by placing this debt AND an additional debt totally approx {$600.00} to XXXX as well as XXXX  on XX/XX/2021, nearly a full month after having FULL KNOWLEDGE that I had filed for bankruptcy. I was also contacted regarding this debt on my personal cell phone to collect this debt, again, VIOLATING FEDERAL BANKRUPTCY LAWS! This company is known for their illegal attempts to collect monies not owed to them, until they are reprimanded they will continue to act in this manner. If federal laws can not protect citizens from people like this, where are we to seek protection? How many complaints does this company have to have registered against them for their illegal/unethical practices before the CFPB does something about it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GSF MORTGAGE CORP
State: TN

Complaint narrative:
On XX/XX/XXXX we made a half payment of {$1000.00} and then made the second half payment on XX/XX/XXXX. The purpose for doing this was to cut down on our interest. Our mortgage lender, GSF Mortgage Corporation accepted both of these payments for our XXXX, XXXX payment. On XX/XX/XXXX another half payment of {$1000.00} was made and accepted by GSF Mortgage for XX/XX/XXXX. A second payment of {$1100.00} ( included a late fee assessed by GSF for no reason ) was made on XX/XX/XXXX for XX/XX/XXXX mortgage. The payment made XX/XX/XXXX was returned to our credit union. We contacted GSF to determine what was going on and was told that we were not on the ACH payment plan at which point we tried to make two more half payments, which GSF did not accept. On XX/XX/XXXX GSF Mortgage accepted a payment {$1000.00} for XXXX 's mortgage to be applied with the XX/XX/XXXX payment for a complete mortgage payment. On XX/XX/XXXX we made a payment of {$2000.00} for XX/XX/XXXX mortgage payment. On XX/XX/XXXX we made payment {$2000.00} for XX/XX/XXXX mortgage payment. On our XX/XX/XXXX statement GSF Mortgage stated that our next payment was XX/XX/XXXX. At this time, GSF Mortgage has {$2000.00} of our money that has not been allocated to our account. After 40+ hours of repeated phone calls and 60 days of no action on the part of GSF Mortgage we are at our wits end. We have begged GSF Mortgage to apply our funds and rectify this problem to no avail. We can not get a single person who can take a look at our account and do simple math to see that we have made all the required payments. We admit that we made an error in submitting half payments. Once we figured out we could not do this we have sent in the full payments. GSF Mortgage has continued to harass us with robo phone calls though we can never talk to a supervisor to correct our account. They have placed money in a so called Expense Account and can't seem to move it to be applied to our mortgage. They have applied late fees that are not applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
My cease-and-desist letter, unrebutted affidavit, and debt validation letter have been ignored by Ally Financial since XX/XX/2021. I will include proof of tracking and a copy of the letters as well. I will submit my complaint here since I am constantly being ignored and harassed to pay something I do not owe. Pursuant to 15 U.S.C. 1692g I am requesting verification of the alleged debt. Ally refuses to cease communication and validate the alleged debt. They also neglected to notify the credit bureaus that I am disputing the debt and it is causing adverse actions. I have received numerous correspondences and threating letters containing obscene and profane language. I have stopped making payment because I am aware that I do not owe the debt. I am requesting the name of the creditor to whom the debt is owed pursuant to 15 U.S.C. 1692g ( 2 ). I am also requesting that Ally Financial provide me with the name and address of the original creditor, if different from the current creditor pursuant to 15 U.S.C. 1692g ( 5 ). 

Pursuant to 15 U.S.C. 1692h my directions to Ally Financial is to refund me {$18000.00} in the form of a check mailed to my P.O. Box that they have on file. Ally may not apply payment to any debt which is disputed. I will attach the payment history that Ally Financial provided me with that reflects that amount. 

I also request that they release the lien and give me back the title of the car. I sent Ally a recession letter exercising my rights terminating their security interest under the Truth in Lending Act, 15 U.S.C. 1635 to rescind the above referenced consumer credit transaction. I will include the letter along with proof of mailing as evidenced through USPS tracking # XXXX XXXX XXXX XXXX XXXX. 

Pursuant to 15 U.S.C. 1692c ( b ) I do not give my direct consent for Ally to communicate with any third party aside from the CFPB to notify me that collection activity has ceased and that the alleged debt is disputed. Also to notify me that a check will be mailed to me for all of the payments I have made towards the alleged debt. I only give my consent to the third party Ally Financial would need to contact to terminate the security interest in my vehicle. That includes the release of the lien that was titled in the State of Ohio. 

My rights are being violated pursuant to the Equal Opportunity Act. This is discrimination. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter.

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 2021-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX I received a threatening letter from USAA Federal Savings Bank in reference to loan # XXXX. The body of the letter indicated that my " hazard insurance '' had expired. The threat came in the sentence " Because hazard insurance is required on your property, we plan to buy insurance for your property. YOU MUST REIMBURSE US FOR ANY PERIOD DURING WHICH THE INSURANCE WE BUYIS IN EFFECT BUT YOU DO NOT HAVE INSURANCE. THE INSURANCE WE BUY WILL BE SIGNIFICANTLY MORE EXPENSIVE THAN INSURANCE YOU CAN BUY YOURSELF. 

The issue is that I do have insurance for my house through USAA. The letter itself is deceptive in claiming that I need Hazard Insurance. From the National Homeowners Insurance Organization -- The reason hazard insurance is a common term is actually because of lenders. Your mortgage provider may require hazard insurance at minimum before they will issue you a loan, because that is the only portion of the homeowners insurance policy related to the structure of your house itself. This may create the misconception that you can buy hazard coverage separately from homeowners insurance, which is a lie. If your lender has specified that you need hazard or dwelling coverage, just know that buying a homeowners policy will satisfy their requirements. 

This current complaint is in conjunction with my previous complaint filed against USAA/Nationstar last year XXXX originally filed XXXX XX/XX/XXXX. XXXXUSAA 's incompetence led to un needed frustration. The outcome of the incident reflected that neither USAA/XXXX were being honest and that : My property taxes were paid by me and not XXXX/USAA ( even though they claimed they paid for the property taxes in XXXX ). 
The entire amount of my escrow was to be refunded to me immediately. 

It is my impression that since XXXXUSAA had been thoroughly in the wrong and called out, they are once again trying to intimidate me. My insurance carrier for my house IS USAA. They have no grounds for their claim I do not have insurance on my home and sending me a threatening letter. 

The website they provided so I could update my information www.mycoverageinfo.com/usaa, does not work. I hae attached all pertinent documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation