vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/XXXX on this year.usaa isclosing my account and are refusing to close my account until 60days and I don't owe them anything. I can't pay my bills or feed my family. I am a XXXX XXXX veteran. And this is crazy.can I please get help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX $ was taken out of a joint account that i am the primary of for the other persons debt. In the pandemic every dollar is spoken for. I had bills already arranged and they took my money without warning which put my account negative when bills tried to process with no money left. When i called they couldnt tell me why they took my money as it was not my debt but refused to give me my money back. I reached out several times and spoke to different departments with the same answer that they could because it was a joint account. I never authorized them to take my money for someone elses debt. I just want my money back, returned check fees waived so I can close my account and be done with them. They have caused me and my family hardship during a PANDEMIC!!! Horrible company, they should be ashamed! 

Yes its Navy Federal Credit Union

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 2021-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive tried to reach out to them regarding this loan XX/XX/2021. And yet to receive a response. In fact, within the class action lawsuit against XXXX University, we found out that they were involved in changing grades, enrolling unqualified students, and even counterfeiting legal documents so that their substandard plans would get accreditation. 

Thats some serious stuff and the idea why essentially anyone who attended any of their schools should have no problem in receiving their loans fully discharged via Borrowers Defense to Repayment.

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 2021-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
a company i am not familiar with, XXXX, who has just got sued by 38 states, has me listed as negative in my credit report. when i write them and ask to validate, they send me back a letter saying it has been verified, 2 different things. the credit bureaus are nothing but rubber stamps for these lenders as they send me the same garbage saying that it has been verified, instead of sending me documentation it has been validated

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 2021-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal XXXX XXXX + {$21.00} USDXXXX XXXX XXXX Payment received Add tracking info Paid by XXXX XXXX XXXX Shipped to " Address '' Seller Protection Eligible Eligible when you... 
Ship to the address on this page. 
Save your tracking or shipping info. 
Have you received this order? 
Domestic : No Shipment Tracking XXXX XXXX XXXX, Sent by MANUAL Status : Order Processed Print packing slip Edit tracking info Transaction ID XXXX Purchase details XXXX {$22.00} USD Item # XXXX Purchase total {$22.00} USD Fee -negative {$1.00} USD Total {$21.00} USD Until now they still lock up my account balance they promise after 6 months..but then still limited, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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:
a company i am not familiar with, XXXX, who has just got sued by 38 states, has me listed as negative in my credit report. when i write them and ask to validate, they send me back a letter saying it has been verified, 2 different things. the credit bureaus are nothing but rubber stamps for these lenders as they send me the same garbage saying that it has been verified, instead of sending me documentation it has been validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
This is my 2nd time contacting you guys about the inaccurate reporting of my credit account first by XXXX  XXXX XXXX  and now XXXX XXXX XXXX has reported to the Credit bureaus and all have fixed the info except transuinion I have filed several disputes initially because XXXX  XXXX removed and closed 2 of my credit card accounts when they had XXXX balances and where still very much open and being used this lowered my score substantially and was almost impossible to get them to fix it. They eventually fixed one account and reported it and the credit bureaus made the change to my report which raised my score minutely. But they would not correct the second account which had a credit line and greatly affected my score for almost a year I have been paying off the balance each month trying to build my credit to purchase a home and while im doing all it is not reflecting on my score. I spoke to XXXX XXXX and they state now they got their act together and everything has been reported which seems correct as XXXX  has updated my report to reflect both accounts as of 3 weeks ago, but transuinion has not and will not. I lost out on 2 home purchases and probably won't have a score that will allow me to secure a loan for quit some time because of this even though I have worked very hard paying off my balances and doing so early every month It has not appropriately benefited like it should have. I have lost almost a years worth of great credit payment history and can't purchase a home can't rent a home couldn't buy a car when mine broke down because I have a credit score that doesn't accurately reflect my credit history. And I have done everything possible to get this addressed and here I am. I'm so beyond frustrated and it's becoming more difficult to be respectful when trying to reason with transuinion and XXXX XXXX. They either just don't care.. Or they are plain incompetent. XXXX XXXX should not have closed the accounts to begin with and I guarantee if I wasn't making my payments they wouldn't hesitate to take steps and act on collecting what they are owed! But yet they have no problems and pay no regard to damaging a customers credit score and essentially causing homelessness when they make sure they are paid in full and before the date they are due every month. What a shoddy way to do business.

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 2021-09-11 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: Kriya Capital, LLC
State: TX

Complaint narrative:
I do not know these account. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XX/XX/2021 my ending balance was {$140.00} and then on XX/XX/XXXX somehow my balance went to - {$40.00} after they charged me {$32.00} overdraft fees. I have these problems before they authorized any transactions without my consent and charged me overdraft fees. I dont have any funds on hold so how did my account goes from {$140.00} to - {$40.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I opened an account at chase. Got my debit card. Mobile deposited a check and the funds became available tried to pay some one through chase XXXX and they locked my account freezing all funds and returning the XXXX. I cant get anyone to fix on phone they transfer me around and around for yours. Been 2 weeks since Ive had access to my money of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted letters for investigation in and not got a response in a timely manner.

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 2021-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted letters for investigation in and not got a response in a timely manner.

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 2021-09-11 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: NC

Complaint narrative:
I have submitted letters for investigation in and not got a response in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted the credit reporting agency numerous of times to delete this inaccurate information that is showing a open account for a account that is supposed to be listed as closed. Ive wrote more than one letter stating this and have no success with this company in reporting my information accurately.

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 2021-09-11 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I found out that I own {$1400.00} By court document. I never open a credit card with XXXX XXXX  I ask the collector company to sent me the contract show me my signature, they never did. They suppose open this credit in XX/XX/XXXX - 2014. The company name is Midland Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
i have tried numerous times to to reach out to Transunion and they dont get back 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 2021-09-11 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Hi. 

I checked my chase account on XX/XX/XXXX and saw fraudulent charges. I promptly called Chase and told them they were not authorized nor from me, as its fraud. The customer service representative disputed said charges but made me pay a stop payment fee which I thought nothing of at the time. They also scheduled me an appointment the next day to close my current checking account and open a new one, which was fine. At XXXX I entered my local Chase branch, where the banker opening this for me was very confused. He said I should not be charged a stop payment fee as it is fraud, also we both we extremely upset to see that chase deemed my fraud charges as authorized despite them not clearly not being. We both contacted the claims team at his desk and said it is fraud, and was not authorized. They agreed they would credit my account due to this. Later that night I noticed an inquiry via XXXX XXXX which was not authorized by me to take a loan and immediately froze my credit and filed a police report to my local department regarding the website my money was taken from. Today, XX/XX/XXXX I have now received a secure message from chase stating that upon investigation the charges were authorized from me. However thats impossible. I gained access to the account on the website that took my money and the address is not mine, the number is not mine and neither was the email. Nothing besides my name was me. Chase is refusing my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
paypal master card ( synchrony bank ) : I have tried to make payments to my paypal mc three times in the last 3 weeks, and although there is available cash in my checking account, paypal has rejected the payments : XX/XX/2021 {$30.00} payment rejected, XX/XX/2021 {$75.00} payment rejected, XX/XX/2021 {$49.00} payment rejected again! 

I spoke with different representatives, but, they had no answer! 

I am having a lot of issues with Synchrony Bank lately! I do not understand what is going on. I have always made all my payments on time ; I have never ever been late at any time and now this ; this should be illegal! If Synchrony Bank is rejecting my payments, now what, eventually they will report me to the credit bureaus as delinquent?

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 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
i have tried numerous times to to reach out to XXXX and they dont get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
i have tried numerous times to to reach out to XXXX and they dont get back 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 2021-09-11 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: FL

Complaint narrative:
XXXX XXXX XXXX which is the underlying corporation for XXXX XXXX XXXX claims that as of XXXX no payments have been made however below is the information that was on the back of my XXXX check number XXXX written on XX/XX/XXXX for the amount of {$180.00} deposited into XXXX XXXX XXXX and check XXXX written on XX/XX/XXXX deposited into XXXX XXXX XXXX. I disputed it with Experian which is the credit agency that I use to keep tabs on my credit report. XXXX XXXX XXXX is failing to report proper payments made for my XXXX XXXX XXXX clean me no payments have been made even though I have copies of the deposited checks. Since they fail to recognize the payments which I have made and of proof via XXXX deposited checks into their account I don't know if it is considered theft since they are claiming I owe money paid and they refusing to acknowledge the payments however they have kept the money or if it's fraud for lying that they have not received the money again when I have copied of the XXXX deposited checks into their accounts. 

Claims payments not made have copy of checks deposited in creditors account XXXX XXXX XXXX XXXX for {$180.00} on XX/XX/XXXX check XXXX & XXXX for {$150.00} on XX/XX/XXXX check XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a dispute on Sunday, XX/XX/2021 to TransUnion regarding an item on my credit report. I informed TransUnion the debt had been settled and paid. I received an e-mail from TransUnion via XXXX XXXX that the debt was accurate and had not been paid. I have proof this debt has been paid and this information should be reflected on my credit 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 2021-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InvestiNet LLC
State: TX

Complaint narrative:
InvestiNet sent me a letter stating I owe {$24000.00} to them and they would take a payment of : Option1. {$14000.00}, Option2. {$7900.00} in to lumpsum payments, or Option3. {$1500.00} in a payment of 12 months. This is fraud and I do not owe the InvestiNet or XXXX XXXX XXXX any money. This company is acting on a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: GA

Complaint narrative:
Debt was added to my credit report without prior notice. This is not my debt and has been proven valid.

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 2021-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent a certified verification of debt letter to the JPMCB CARD. Unfortunately, the bureau failed to provide any documentation with my signature verifying this debt. I can not pay and will not pay anything that can not be verified. I requested detailed documentation and the Bureau could not provide this info.

Company response to consumer: Closed with explanation