vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
It has been brought to my attention that my rights have been violated with this company in the past. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth In Lending Act ( TILA ), I made payment towards this debt when in fact I did not owe. I am the original creditor. XXXX XXXX XXXX XXXX ( XXXX ) is not the original creditor. XXXX is a debt collector pursuant to 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ). Nor is XXXX the creditor under the FDCPA pursuant to 15 U.S.C. 1692a ( 4 ), such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. XXXX received this debt as an assignment through Santander when I created the debt. See EXHBIT B p. 3. A credit sale occurred when XXXX purchased this debt from Santander. I am the creditor pursuant to 15 U.S.C. 1692a ( 4 ), any person who offers or extends credit creating a debt or to whom a debt is owed ( emphasis added ). 

XXXX furnished me with a deceptive form. XXXX misrepresented the character of the consumer credit transaction as a loan and they were providing me value when in fact I signed a credit application. I did not apply for a loan. I extended my credit and the finance charge funded the consumer credit transaction which comes from my open end credit plan. My name has since changed I will attach a copy of the court order for my legal name change,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I filed a police report with XXXX Police Department on XX/XX/2021. 

I sent in a request with Certified mail to Experian ( as per USPS tracking, it was delivered on XX/XX/2021 ) requesting that Experian block the fraudulent information within 4 business days according to FCRA 605B. 

I have included with my request the following documents : - Copy of Police Report - Copy of Drivers License - Copy of Utility Bill ( Proof of Address ) - A detailed list of the fraudulent information As of today, XX/XX/2021, Experian failed to block the information from appearing on my credit file.

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 2021-07-25 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: IA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Congress Colllections made a mark on my credit account. I have never heard of this company, nor did I receive a written or verbal notice. I don't even know why they are trying to collect anything because nothing is overdue. I don't even know how much is trying to be collected. My credit score dropped due to this. They also checked on a Sunday morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NFCU : So many companies have totally lost integrity, ethics, morals, values, a soul - during COVID19 and are targeting, bullying and clearly violating the law.

This is starting to become a regular issue and I am trying to figure out why. The money was in there however somehow ; I have been charged ten overdraft fees. NFCU is purposefully doing math wrong. I am shocked at NFCUs unethical overdraft practices which are impacting my transactions. My checking account has been compromised by abusers.

Commingling with my checks, bill payments, debit card transactions, and ATM withdrawals each day then taking a week to process transactions - a violation of NFCU policy. I understand COVID19 has impacted operations but what is being done to my account is a violation of law. NFCU is manipulating the order of my transactions to maximize the chances I will be charged an overdraft fee. The transaction order ( not chronological ) and the way NFCU is processing various types of debits and the time period ( a week ) doesnt allow me to keep track of what NFCU is doing I am unable to anticipate and avoid overdraft fees NFCU is stealing really. 

I am head of household - not by choice. I have children that I need to take care. NFCUs complexities of the payment process and operational efficiency needs to be evaluated. I have been a member for 16 years - shame on you NFCU. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi closed my credit card after a review of my credit report without due cause or notification to me. On or about XX/XX/2021 Citi reviewed my credit and saw that my ex husbands bad debt was reported on my account. Due to that debt they canceled my card without any notice to me. When I contacted them on the telephone they refused to tell me why they canceled my card. It is my understanding that they can not cancel my card for a bad report on my credit without notifying me. I am disputing the bad credit report that resulted from my ex husband and it will be removed as it was not my debt. I was not even an owner of my ex husbands account but only a signer without any authority or ability to removed my name from the account. The divorce judgment shows my ex was the owner of those accounts. 
Regardless of my ex husbands bad credit, I had the Citi card for over 8 years without one late payment or problem. It is wrong for them to cancel my card without any notification to me or ability for me to object to the reason why it was closed. This will show badly on my credit report once they get around to reporting it. What a terrible company to do that to a good customer who had perfect payment and credit history.

See page 14, item 23.1 of attached judgment which shows that the bad debt reported on my credit was my ex-husbands - Citi closed my credit card immediately after this debt was reported. Had I known I could have fixed this months ago.

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 2021-07-25 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This is exactly what happened : So I opened up my PayPal credit account on XX/XX/21 to make a purchase with XXXX XXXX  XXXX XXXX of {$2500.00}. XXXX XXXX  XXXX XXXX canceled my order and said they would be refunding me. I called PayPal to ask when I might see the refund reflected on my account. Instead of simply answering my question, they opened a dispute. On XX/XX/21 I received a refund of {$2500.00} from the merchant. On XX/XX/21 I received a {$2500.00} credit from PayPal since they wrongly opened that dispute. I called them back and said that the dispute needed to be reserved as I never asked for a dispute and the merchant has refunded me. So on XX/XX/21 PayPal charged my account {$2500.00} to reverse the dispute. At this point the problem was completely resolved. My account reflected an accurate balance. However on XX/XX/21 PayPal charged me a second time for {$2500.00}, causing my account balance to be very high and inaccurate. I should have only been charged once to fix the dispute error. The second charge was made in error. Ive been trying to get my money back for over a month! I should be able to get it back as quickly as they wrongly stole it from me. This is reflecting a high balance on my credit report and is negatively impacting my credit score weekly!!

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All 3 Credit Bureaus. Did not correct the inaccurate information on my account and request to remove closed 2 accounts. I have called to dispute the late payments on 4 of my credit cards accounts, which is not right in my report. No problem have been solved.

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 2021-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
I noticed a debt from XXXX XXXX on my credit report.. The only account I had was in XXXX.. I continued to dispute that this should be removed from my credit report.. and I don't recognize the amount owed.. I have the right to this only being on my credit report for 7yrs.. I've not had any other accounts with XXXX XXXX except for a prepaid account in which I paid monthly.. that wouldn't lead to overage in debt. I've disputed relentlessly with the credit bureaus.. I'm not sure why this hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SLM CORPORATION
State: AZ

Complaint narrative:
Consumers XXXX XXXX & XXXX XXXX entered into a consumer credit transaction with Sallie Mae on XX/XX/XXXX & Again on XX/XX/XXXX. We used our credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under 15 usc 1605. Sallie Mae then took our credit and got a loan and begin to violate 15 usc 1692 e because they falsely represent the status of a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: AZ

Complaint narrative:
Mr XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed {$840.00} and {$24000.00} from my checking account. I gave them the wrong number. They would not let me change the number. I thought they would reimburse me {$24000.00} in a couple days. They said I owed them {$250.00} for some product. My money did not come back in a week. I did not give them my bank account number. They already knew it. I reported it to my bank. This transaction occurred on XX/XX/2020. The bank said it could be available on XX/XX/2020 or sooner. I spoke to my bank about the transaction. I changed my password. I was referred to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am moving out and had to sell some items. A person named XXXX contacted me asking my couch for {$400.00} and settled. She sent me a cheque from XXXX XXXX  for {$1300.00} on XX/XX/XXXX saying the rest was for the movers. The funds was deposited and it was available in my account for a few days. She sent an email where I had to send the remaining amount of {$900.00}. That email is XXXX. The day after I sent it ( XX/XX/XXXX ), My Bank ( Bank of America ) took {$1300.00} from my account saying there wasn't sufficient funds in the senders account. I contacted the bank saying if that was the case, Why was the amount given to me in the first place and even if it is taken, it should be taken from the senders account. But, they did not help.

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 2021-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have mortgage refinance with Quicken loans. I have to provide verified CPA Letter for this year profit and lost. 

I did all the steps. 
I get closuring disclosure letter that the loan will be close in 3 days. the XX/XX/2021 I did email the loan officer to postpone the closing date to XX/XX/2021 and I want to pay my own escrows fees " property taxes and insurance '' They did provide new closing disclosure with no escrow fees and new date XX/XX/2021 Four days later They did ask me again for new P & l statement audited by CPA. 

I did tell theme I will not provide any documents any more They denied my application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a cosigner of student loans for my son, unfortunately he has XXXX  XXXX and therefore his student loans was discharged by bank, i have received from XXXX XXXX a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( Transunion, XXXX  and XXXX  ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/2021 but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' ''

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 2021-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I originally took and accepted a loan from Honor Finance XXXX for a little over XXXX. Per the contract I would pay 360 monthly at 33 % interest which I accepted. They sold the loan to Westlake Portfolio Management. I had no knowledge of this for roughly 60 days after it being sold which wasn't a problem. The issue is that I've had my car for almost 4 years, which was the contracted time and only 8 % has gone toward principle. They still show me owing the same amount. Roughly 90 % of all payments made have gone toward interest which isn't in the contract I signed. I don't understand why. They told me there's XXXX daily interest which still doesn't mean XXXX should go toward interest. How is this fair.. I'll never pay off the car. I'm so baffled with how this is happening to me. I don't know what to do.

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Incorrect emails, phone numbers addresses. I put a freeze on my account but things were still appearing. I can not access any emails or verify my information. I can't update my cell to verify info

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 2021-07-25 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: FL

Complaint narrative:
All 3 Credit Bureaus. Did not correct the inaccurate information on my account and request to remove closed 2 accounts. I have called to dispute the late payments on 4 of my credit cards accounts, which is not right in my report. No problem have been solved.

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 2021-07-25 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: FL

Complaint narrative:
All 3 Credit Bureaus. Did not correct the inaccurate information on my account and request to remove closed 2 accounts. I have called to dispute the late payments on 4 of my credit cards accounts, which is not right in my report. No problem have been solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$8500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: FL

Complaint narrative:
In 2019 I was going to XXXX XXXX with XXXX in XXXX, CT. At some point my insurance changed and I provided the receptionist with my XXXX XXXX  XXXX XXXX XXXX insurance card. Months later I received a bill from XXXXXXXX XXXX ( XXXX ) and I contacted them multiple times explaining that I had provided my insurance information and do not owe a bill. After multiple calls and disturbing conversations with the supervisor over the billing department I contacted XXXX XXXX. XXXX  conducted an investigation and determined that the provider XXXX XXXX/ XXXX failed to submit the claim timely and that the patient ( myself ) was not responsible. I also contacted American Adjustment Bureau ( creditor ) once I saw that this situation was not rectified and now on my credit report and they stated that the amounts on the file show that the hospital charged it at a discount amount of a cash paying patient. I explained the situation to the creditor American Adjustment Bureau and they refused to remove it. I then put in a claim to XXXX  and XXXX  and their investigation report is stating that I am responsible despite the proof I provided from XXXX. I am not responsible for this bill and need it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attempted to go back to school and I had complications so I dropped the class so the loan should have been returned back to Navient I dont owe them I didnt go to school or graduate from there. I need it removed so I can have my credit in order I have been disputing charges from them because I didnt attend the school for even a month for me to be charged XXXX XXXX I need help with this

Company response to consumer: Closed with explanation