vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
Last payment made on account was XX/XX/XXXX. After that the account had gone into collections. In XXXX of XXXX the account was closed and removed from my credit report. Now all of a sudden it has popped back in an " Active '' state again nearly 2 years after it was closed and removed, and what makes it even worse is they are stating i have past due payments as well which is affecting my credit. I have tried contacting them as they have been no help and keep transferring me back and forth between representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: GA

Complaint narrative:
Dear CFPB, I am the owner of a XXXX XXXX in the state of Georgia. I am in dire need of refinancing to be able to keep my business alive. Upon checking my credit report I saw that there are late payments on some credit cards on my profile. These late payments are not accurate as I have not been late. I have managed my credit for well over XXXX years and I am hurt to see that these late payments have been so detrimental to my credit score. 

I ask that you please enforce the bureaus to do a through check of the information that so that these late payments can be updated as accurate. This is a billing error and a violation of US 15 1666B. XXXX XXXX continues to report closed collections on my profile as well. These should not be there and I demand that they are removed immediately. 

I will be attaching my dispute letters and my information to identify that it is me who is requesting this.

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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, misleading information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Report : XXXX  Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-11-19 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: GA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Team Recovery Inc.
State: OH

Complaint narrative:
TEAM RECOVERY INC . 
XXXX XXXX  XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX In Violation pursuant 12 USC 4502 ( 25 ) Pursuant 15 USC 1692c communication in connection with debt collection and 15 USC 1692b. Acquisition of location information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX Balance Owed : {$12000.00} XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. Im a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. XXXX, XXXX and XXXX have all agreed to remove it as long as they got request from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
NAVY FEDERAL CREDIT UNION is trying to collect an alleged debt in the amount of {$12000.00} which I, the consumer do not owe. I am a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am aware that NAVY FEDERAL CREDIT UNION is a creditor pursuant to 16 CFR 433.1 ( c ). I have reason to believe and do so believe NAVY FEDERAL CREDIT UNION has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged loan debt from NAVY FEDERAL CREDIT UNION has already been paid for.I also have reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with NAVY FEDERAL CREDIT UNION is a open end credit plan which means I, the affiant should not have to pay any alleged debt that, NAVY FEDERAL CREDIT UNION claims that I owe. Lastly, I am aware that according to my certified UCC Lien Search from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. This further proves that I, the consumer, do not have to pay this alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I purchased my first home in XX/XX/XXXX. My loan was sold to Suntrust now Truist in XX/XX/XXXX. Since our mortgage was sold to Suntrust, they have been collecting too much escrow from us ( they say we owe more property tax than we do, even though that amount is set more than a year in advance and published online for us and them and the local government to see ). When they first paid our biannual property tax ( XX/XX/XXXX ), they acknowledged this and sent us a {$220.00} credit. I didnt mind so much because I figured Id be getting that amount every six months due to overcollection. The second biannual property tax payment comes around ( XX/XX/XXXX ), they not only dont send us the credit, they increased our monthly payment claiming that we will owe more property tax in XXXX so they will need to keep that credit plus collect more. Meanwhile, our property tax is staying flat in XXXX, which they well know and can see publicly online. So they are now holding our money XXXX from us. I appealed the escrow amount in XX/XX/XXXX. They researched my appeal and denied it. Finally, after realizing there was no recourse here, ( end of XXXX ) I requested they delete my escrow account altogether. I signed the necessary paperwork to delete the escrow account and sent it back XX/XX/XXXX. I have called them seven times since then, waiting on hold at least half an hour each time. No one can give me any information about where my request stands. Here is the worst part for the CFPB to consider - the escrow deletion department does not accept calls or communications from customers NOR from other XXXX departments. There is no communication allowed with that department except written notes from other suntrust departments. After my sixth call, a customer service representative raised my concern for research and said someone would contact me in XXXX hours. It has been 6 days since then and no one has contacted me. I filed a formal complaint after that, and have heard nothing. Finally, today I got an automatic notification that my escrow amount due increased AGAIN. It seems illegal that there is no recourse and no relevant department to communicate with. They are collecting far more than the necessary two months cushion and not giving me any option to get that back.

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 2021-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX & XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: GA

Complaint narrative:
I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. Im a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. XXXX, XXXX and Transunion have all agreed to remove it as long as they got request from XXXX

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 2021-11-19 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 was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. XXXX a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. Equifax, XXXX and XXXX have all agreed to remove it as long as they got request from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: GA

Complaint narrative:
I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. Im a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. XXXX, Experian and XXXX have all agreed to remove it as long as they got request from 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 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MN

Complaint narrative:
Security Credit Services continues to report that my account is open and was opened in XX/XX/XXXX, making it look like this is a new account. It was from XXXX and was charged off then subsequently resolved a long time ago. I have disputed it numerous times and they refuse to update with accurate information and even if it was not resolved it will be too old to collect on in a few months anyway. To lenders it looks like a recent collection based on the information Security Credit Services provides.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a check for {$3100.00} into the ATM deposit center XXXX and XXXX  location here in XXXX, TX on XXXX XXXX about XXXX o'clock central time. The check was made out to me ( XXXX XXXX XXXX for a loan that i had agreed on over the phone with XXXX XXXX thinking it was a real loan company and gave him all my banking info., XXXX XXXX SS #, home address and received a FedEx overnight check at my doorstep so i deposited it in my account. Then 5 days later XXXX XXXX i logged into my BofA XXXX XXXX and was prompted to call the BofA risk department. I was told that day my account was on freeze and they couldn't tell me why. I continued to search for an answer and no banking center in XXXX could tell me anything of the reason for the freeze. I called the number on the check to confirm if this check was even legit and found out it wasn't. It was a fraudulent check through the company on the heading. I continued to look for an answer but didn't get anywhere with anyone 's help through the phone and in the banking centers. My direct deposit went in on XXXX XXXX and i am yet as of tonight to being able to withdraw my funds. I have bills to pay with my SS Check and this BofA ( Bank of America ) is making it difficult and has my anxieties, XXXX to the roof! Please help me get this straightened out so i can move on with my life!! Thank you so much!

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 2021-11-19 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The date of the late payment is XX/XX/2018 where I am marked for a 90 day late payment. I have never missed a late payment and Equifax has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with XXXX they refuse to honor the holder of the loan DEPT OF EDUCATIONXXXX where I have not missed a late payment and refuse to give me a reason or response as to why this 90 day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this 90 day late payment from both Equifax and XXXX removed that I did not do!

Company response to consumer: Closed with explanation