vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 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: NY

Complaint narrative:
XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a business checking with kabbage on mid XX/XX/2021, I have more than {$12000.00} in the account on opening, the APR were 1.10 % with {$300.00} opening bonus. On XX/XX/XXXX, kabbage paid only $ XXXX on interests, the calculation is wrong ; I deposited another {$25000.00} on XXXX, but the interests they paid on XX/XX/2021 is only {$14.00} with my opening bonus, the calculation is so wrong. I started calling on XX/XX/2021, almost daily, I got transferred around or being put on hold for hours, no one can assist me from Kabbage, their representative XXXX and XXXX calculated the interests with me together on the phone, the mistake is obvious, but they dont have special department to correct this problem. Today, I got a phone call from kabbage, I called back, the representative said the calculation is correct, I calculated with that person on the phone together, he eventually agreed calculation was wrong, but he doesnt know what to do and can not help me. Its been almost two month, no one can help and give me a correction!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX I received a phone call from a unknown number on my caller id. They left a voicemail on my phone and then called my husbands phone and left a voicemail. 
I called and the gentleman I spoke with name was XXXX. It was a lady who had left the voicemail stating a notice of intent coming out of my county XXXX XXXX ) her name was XXXX XXXX and told if I did not respond they would move forward with action against me. 
When I called he told me it was in regards to a debt from a credit card from XXXX. I asked about the statue of limitations and he said it didnt apply to this because it was filed in XXXX. 
I told him I could settle because he told me that court costs would be over {$7000.00} in attorney and court fees and the amount owed was {$1900.00}. I said I could set up {$50.00} payments. He emailed me two documents. I signed the first one stating the conditions of the agreement and when I got to the second document to input my card information my husband had seen online that it was a potential fraudulent company. I hesitated and did not fill out the form. 
I would gladly pay the debt if it is credible law firm. But when I looked on my credit karma app, I could not see any amount owed from this citi card on my credit report from XXXX. So Im trying to verify this companys authenticity before I input any credit card information. I hung up due to my phone dying and called the local phone number that was on the webpage and that was different than the toll free number in the voicemail which this guy answered both. And he wanted to stay on the line with me while I input my credit card info. He called me and left a voicemail saying they would only be there today until XXXX and wanted to take a deposit today. But they called me again at XXXX to collect deposit. 
Initially he did not tell me what credit company he was calling to collect. I had to prompt him. I was not given any indication of a recorded line, account information ect only a 6 digit reference number. 
I did not complete the second form to turn in my credit card information. I would like to verify it is a legitimate company attempting to collect a legitimate debt.

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 2021-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Earlier this year I had to report them for taking a double payment and refusing to reverse it even though just the one payment paid it in full When I complained they corrected the issue by mailing me a check But they cleared my whole purchase history and deleted all my receipts from my account history when they did it I have been trying to exchange a stove thats faulty over a month and cant because they deleted my purchase history and all my transaction receipts from my lowes account when I reported them for taking a double payment I want this stove exchanged for a non defective one and my purchase history restored to my account and made visible for me to use when needed They also locked me out of the ability to complain or use customer service or rate anything in the app When I try giving them a XXXX star rating they just wont let you Its rigged to only take good ratings

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 2021-12-30 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: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc
State: TX

Complaint narrative:
I had contact with a fake company through spam texts, which lead to me to a website offering free samples. This company appears to be fake, and I was unable to get in contact with them through the numbers they provided. Months later, National Medical Administrators ( NMA ) Inc reached out trying to collect a fake debt. When I asked them to provide the company information, they provided a fake name and address. When I pointed out to them the company name was fake and there is no real company named that, they hung up on me. I confronted them by phone several times about the fake company name, and each time they hung up on me. When I looked at NMA 's XXXX profile, there were multiple complaints about the exact same company ( XXXX XXXX ) which appears to be a fake company, yet NMA is still collecting fake debt even though they have been notified of these scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: CBC Companies, Inc.
State: NY

Complaint narrative:
XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
BEWARE! Navy Federal is attempting to pull off some VERY QUESTIONABLE and and UNETHICAL lending practices. 
I am completely frustrated with the method that NFCU has resorted to in regards to our home refinance.We began our home refinance with NFCU nearly 90 days ago and have expeditiously done everything required of us.We were offered a loan at 3.75 % interest with 85 % XXXX and XXXX points This was offered pending only the appraisal.The appraisal came back quite a bit higher ( unbeknownst to me at that time ) than was expected and with that news NFCU miraculously, that very same day, sent over updated terms that increased our interest to 4.25 % and decreased to 80 % our XXXX with points. They then would not release the appraisal value to view ( they held it in processing ) .Upon pushing back on this error/mistake/injustice I was apologized to and told it would be handled.I have been stonewalled and now just yesterday my appraisal was released for me to see and my original offer of 3.75 % /85 % XXXX is set to expire on XXXX XXXXI finally spoke to the underwriter yesterday. She requested updated paystubs and homeowners information. I sent it immediately, and she gave us new calculations, 3.25 % interest rate, 80 % XXXX with XXXX points. I told her that this was unacceptable, and furthermore because of the higher appraisal I would like more cash out. I have not heard back from her. I am deeply angered/frustrated that it seems that NFCU decided to renege on their original offer to me in an effort to capitalize on a higher than expected appraisal value and then they attempted to hide this fact from me until it was too late for them to fix.I do not deserve to be treated like this!! It is only fair that my original offer should be extended enough time to be able to process the paperwork and allow me to sign at 3.75 % with 85 %, XXXX points. I have already paid over {$500.00} for the appraisal, and allowed them to pull my credit, so I am very reluctant to go to another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XXXX XXXX, I was at the Navy Federal Credit union and the teller was extremely rude and even tossed my receipt at me. I was making a deposit for my mother at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: NJ

Complaint narrative:
I've been trying to reach out to Transunion, they have not given me access to my CONSUMER REPORT and XXXX REPORT. They claimed that they have sent a consumer report but I have not received anything at all.

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 2021-12-30 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: Colony Brands, Inc.
State: MI

Complaint narrative:
Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
Complaint is against Village capital Investments. I keep getting notices that we are being charged late fees for payments that have in fact been received on time. I have it on automatic Bank payments, I spoke to my bank who said they have proof that they have received every payment on time but the company chooses to wait 10 to 13 days to cash the checks, to be able to keep charging us the late fees. When I have called numerous times to get this issue resolved I keep being hung up on or told to call their legal department without being given the phone number then hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: SC

Complaint narrative:
Reporting information that should not be reported on my credit. 

I do not owe XXXX XXXX  {$1200.00}. I got a letter from them stating my balance is {$0.00} WHY ARE THESE CREDIT REPORTING AGENCIES REPORTING THIS INFORMATION? 

UNDER 15 U.S.C. 1681c ( a ) Information excluded from consumer reports ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status... 

THE NAME HAS NOT BEEN EXCLUDED FROM THESE REPORTS.

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 2021-12-30 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I need these items removed from my credit report. On XX/XX/2021 I sent a notarized identity theft affidavit, and police report to the creditor, and items have not been removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: FL

Complaint narrative:
NOTICE OF INTENT TO SUE EXPERIAN and XXXX XXXX Chief Executive Officer.This letter serves as a formal notice of my intent to file a lawsuit against EXPERIAN.

YOU Experian have aided this Fraud by not verifying these accounts. XXXX and XXXX Deleted the fraudulent account. Congress states 15 USC {$1600.00} Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. RE : XXXX account # XXXX and XXXX. 
Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card FTC identity theft Report Local Police report CC : XXXX XXXX XXXX in the XXXX XXXX XXXX neighborhood, CA, XXXX XXXX, 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 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed a copy of my Transunion credit File and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).

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 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
I received an email saying I owe this debt. Never heard of nor had any interactions with this Hospital or this debt collector! Please assist in the removal of this negative and erroneous information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: GA

Complaint narrative:
The account is inaccurate and has not be Verify, Theres is no legal sign contract by me and company has fail to provide proof of me owning this debt and it needs to be removed

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