vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I was charge a {$29.00} fee for funds not being in my checking account the company does not allow time for me to transfer the funds or place the amount tht is needed for the payment.

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 2021-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SUNSTREET MORTGAGE LLC
State: AZ

Complaint narrative:
I have put in two separate loan applications on two separate properties with XXXX XXXX at Sunstreet Mortgage. On both occassions we have informed XXXX that I had a prior VA loan and VA foreclosure. My real estate agent informed him as well as she referred us to him. XXXX has also contacted the VA to discuss the foreclosure as he originally told us the VA requires a 6 % downpayment for prior VA loan that resulted in foreclosure. I say this to say that XXXX knew I had a prior VA loan and still quoted us what I know now is the 1st use and not the 2nd use VA funding fee on both loan estimates. This made his loan estimate look better than other loan estimates I received. XXXX then sent us a revised loan disclosure statement and when we inquired why the VA funding fee had went from {$7500.00} to {$11000.00} he cited a change in circumstance stating he thought I was a first use and that he had just received the Certificate of Eligibility from the VA stating otherwise. When we reminded him of the several different occassions that support him having known about the prior VA, he stated that we lied on the prior applications and that I verbally told him I did not have a prior VA loan. In addition, he received the Certificate of Eligibility on XX/XX/XXXX. He did not make the Revised Loan Disclosure Statement and Estimate available to me until XX/XX/XXXX. He is required to make it available within 3 business days of having known of the change in circumstance which would mean he should have made it available by XX/XX/XXXX. He is in violation of the tolerance levels under the TRID rules as they relate to the VA funding fee and disclosures.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: SC

Complaint narrative:
Since XX/XX/2020 I have requested XXXX to delete the account in question because of the wrongful reporting. XXXX is still reporting a Chargeoff account with a balance from XXXX XXXX XXXX. According to the FCRA there should be a {$0.00} dollar reported when the account has been sold to a collection agency. I have attached the invoice from the collection agency and my response letter to the collection agency.

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 2021-01-14 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: SC

Complaint narrative:
Since XX/XX/2020 I have requested XXXX to delete the account in question because of the wrongful reporting. XXXX is still reporting a Chargeoff account with a balance from XXXX XXXX XXXX. According to the FCRA there should be a {$0.00} dollar reported when the account has been sold to a collection agency. I have attached the invoice from the collection agency and my response letter to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC
State: IL

Complaint narrative:
I received the following text message without receiving a written notification informing of a debt collection attempt. 

" I am a debt collector with Glass Mountain Capital LLC. This is an attempt to collect a debt, any information will be used for that purpose. Please return my call at XXXX. ( Text STOP to opt out of future messages ) '' I am concerned messages like this ( I have researched and found other individuals have received similar messages ) may be used in attempts to defraud financially uneducated consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FL

Complaint narrative:
There are numerous inquiries listed on my report that I have no knowledge of. This was a result of malpractice of an error.

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 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following item I wish to dispute on my credit report : XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CA

Complaint narrative:
XXXX : Equifax To Whom It May Concern, I sent a letter to Equifax dated XX/XX/XXXX disputing an unauthorized inquiry as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiry, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate the dispute. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiry from my report. 

I have frozen and suppressed All 3rd party information vendors since Summer XXXX, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. EQUIFAX MUST VERIFY THIS UNAUTHORIZED INQUIRY DIRECTLY WITH THE COMPANY LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiry is unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Equifax. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over the past year, I had to change my Citi Prestige credit card number six times due to fraudulent charges, which keep appearing even after changing my physical card number. Every single fraudulent charge is listed as having made using a " Digital Account Number, '' so my guess is that someone somehow was able to my Citi Prestige card to his/her XXXX XXXX or something, and Citi is not revoking virtual credit cards that are linked to my account. For example, I myself have my Citi Prestige card on my XXXX XXXX. Whenever I request a new credit card number, Citi Prestige card on XXXX XXXX  automatically updates to the new card number without any sort of verification. Hence, if a fraudster already has my Citi Prestige card on their XXXX  XXXX, what is to prevent that fraudster from continuing to use my Citi Prestige card even after I get a new physical card number? 

Here are the details on the trouble I have been having over the last year. On XX/XX/XXXX, there was a XXXX charge for {$8.00}, which was made using " Digital Account Number '' ending in XXXX. I promptly requested a new card number. Then on XXXX XXXX, XXXX, I saw a XXXX charge for {$15.00}, again using Digital Account Number ending in XXXX. On XX/XX/XXXX, I saw another XXXX charge for {$8.00}, again using Digital Account Number ending in XXXX. I received a new card number again. Yet, on XX/XX/XXXX, I received another XXXX charge for {$8.00}, which was made using Digital Account Number ending in XXXX. I spoke with Citi and I was told the digital account number was taken care of. Since then I have not seen any fraudulent XXXX charges. 

However, on XX/XX/XXXX, I got a Citi alert for " A {$0.00} international transaction was made at XXXX XXXX on card ending in XXXX. '' That charge never posted. But then the next day on XX/XX/XXXX, a {$20.00} charge was made by " VIU PH '' in XXXX XXXX, using Digital Account Number XXXX. I immediately turned off the Citi Prestige card using Citi app XXXX. Even after I disabled the card, four more {$20.00} charges by XXXX XXXX  were made on the card. I reported the card lost or stolen, and have since received a new card.

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 2021-01-14 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: VA

Complaint narrative:
The amount on the collection is not accurate. The company had not proven the amount to me. In XX/XX/XXXX my balance was XXXX. This is the accurate amount. They have charge excessive fees and interest as currently the balance shows XXXX and it has been reporting past due as if it is an active account which is not accurate and impacting my credit score more than any other collections. This is not fair credit act and is inaccurate report. Also the account was not started in XXXX. It was XXXX. They closed my account in XX/XX/XXXX and they continue to charge interest and fees until they reported to the credit berau this is against the fair credit act.

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 2021-01-14 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: VA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/2020, I sent a USPS certified mail to Experian Consumer reporting agency to remove an unauthorized hard credit inquries. The agency fails to proceed, failed to remove, and not responded to my concern. Before my submission, I tried fixing the problem with the financial institutions, unfortunately, is unsuccessful. The financial institutions were unable to verify the inquiries belong to me but failed to proceed. The Credit agency was received my certified mail on XX/XX/2020 ( See attached documents ). However, not proceeding with the timeframe was required by Federal and State Law. Reference to the credit agency action, my credit was hurt.

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 2021-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
SPS Servicing refusing an additional 6-month forbearance per CARES Act guidelines even though my mortgage is held by XXXX XXXX, as recently as XX/XX/XXXX. This is my third complaint on this matter. Refer to Complaints XX/XX/XXXX ( CFPB XXXX ) and XX/XX/XXXX ( CFPB XXXX ). Principal balance : {$26000.00} Nothing in my credit history indicates me as a credit risk. No late payments or non-payment on mortgage during the time periods with SPS or XXXX before them and few on XXXX  XXXX XXXX before them ( when in XXXX I missed payments and requested an adjustment, which became a re-finance ). Thats 20 years of good payment. There is nothing in my history to indicate that I am not a good payer of my debts. 

In XXXX, I asked for a payment deferral by SPS and that was done ( It was not the first forbearance as Ms. XXXX XXXX XXXX XXXX stated on Tuesday, XX/XX/XXXX. I requested a formal 6-month forbearance provided by the CARES Act in XXXX and was eventually accepted ( with a lot of effort ). At that time, there was no mention that my account was not subsidized by XXXX XXXX. In fact, XXXX XXXX does hold that and if default happens, they guarantee the loan. So, XXXX XXXX is the investor they keep talking about. 

I made the 2nd forbearance request early. I started in XX/XX/XXXX and was told by Ms. XXXX that it was too early. I made again in XX/XX/XXXX and then again the first of XX/XX/XXXX. In the interim, SPS set up a Loan Modification to forestall my getting another 6-month forbearance as I had requested. 

Therefore, I am asking again that my request for the 6-month forbearance extension by SPS be honored and initiated for XX/XX/XXXX to XX/XX/XXXX during this time of extreme hardship for me. I think they have all the information to honor this request including the telephone call script with Ms. XXXX on Monday, XXXX XXXX, XXXX. 

My request to CFPB is that instead of just passing letters back and forth that you really read the information I have provided and intercede on my half and enforce and protect. It is not my wish to start making late payments at XXXX, nearly XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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:
I like to file a dispute for unidentified items on my credit report for the following : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX  XXXX. Also filing a dispute for identified inquiries on my credit report as well for the following : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX and XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2021-01-14 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: FL

Complaint narrative:
Please investigate and remove these accounts and inquires. I made Identity theft report on these items because they are not mine. I have nothing in common with these items, I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2021-01-14 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: FL

Complaint narrative:
Please investigate and remove these accounts and inquires. I made Identity theft report on these items because they are not mine. I have nothing in common with these items, I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: AZ

Complaint narrative:
I recently reviewed my Credit Report, I noticed there were accounts reporting to my credit that I did not open, when I started checking dates, I seen that the accounts were opened when I was on military leave. I wrote and called about my disputes and explained the situation, that the accounts are not mine and they need to remove them.

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 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America was reminded on XX/XX/XXXX of my knowledge of the inclusion of my accounts in income level and fund reserve account limit type related education projects since XXXX. On XX/XX/XXXX, I received an erroneous alert that a {$41.00} check was returned unpaid due to insufficient funds when such was not the case and the check was returned because the Department of Education had made it optional to continue to paying the loan. In the past, other similar activities, including but not limited to, omitting automatic withdrawal of full payments from bank accounts, for not completing forms as desired, or for the servicing agents ' mishandling of paperwork or strategic delay in processing such paperwork, when such terms were already allotted under the current agreement, i.e. such delays were created so that my account did not receive the 'better ' deal. Also such activities are completed to create embarrassment for anyone misusing my e-mail account or handling my mail. Such activities also increase in intensity when I start filing my correspondence or financial statements, including retaliation ( burglary to remove, replace or vandalize order of documentation ), aside from amount of surveillance, eg surveillance included emitting statement acknowledging that I was scratching my knee while I was sleeping to ensure that I knew I was being watched twenty four hours a day. Responding agent stated in response that account was flagged for fraud in XXXX and that she would transfer me to the fraud department. I declined such transfer because in the past such activities should have been clearly communicated in writing as soon as possible and not with such significant delay, as in this case the delay would be four months. Four months of not having notice that fraud was affecting my account is unacceptable. Other measures, such as deactivating the debit card to cause an immediate phone call or visit when written notice is not reaching me could have been implemented rather than such a slow response, or even certified restricted signature mail.

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