vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union is refusing to help me regarding an overcharge for an XXXX XXXX XXXX 
XXXX, without my knowledge, consent, or even attempt to inform me, increased a rate that I had been paying for approx 7 months by XXXX the amount. After reaching out to XXXX several times and threatening a charge back, XXXX finally said they would adjust the charges. However, they did not provide the adequate refund, and still charged me approx {$400.00} too much, even after refunding a little over $ XXXX. As promised, I began the charge back process seeking the additional amount ( wasn't trying to get a reversal on the full amount, just the overpayment amount ). Because I was never even informed of, and obviously did not authorize ( no signed contract ) these charges, when NFCU asked for documentation to support my case, I told them I had none because how can I possibly have a copy of a contract that I did not sign?? NFCU refused to help me and even after contacting NFCU a second time, refused to help me. The following quote was my second contact attempt to NFCU, which they replied with a denial to help me. 

" You guys closed this dispute because I " did not provide documentation '', but I clearly stated that I did not sign a contract, so how would I have documentation of something I did not agree to??? I stated that if you requested a signed contract from the merchant, that they would not be able to provide one, since I did not sign one, so you guys turned around and asked me instead??? That literally makes no sense at all. This needs to be resolved ASAP, or I will be forced to contact the Consumer Financial Protection Bureau. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: AL

Complaint narrative:
On XX/XX/2021 TransUnion was sent disputes which they received and signed for with tracking number XXXX at XXXX XXXX  and they never responded to those disputes. The disputes were sent out via certified mail yet again on XX/XX/2021 with tracking number XXXX at XXXX and I have yet to receive notification of dispute, let alone any results. Both sets of disputes are beyond the allotted timeframe thats required even if I considered the pandemic results time frame. That is ground for automatic deletion and violation according to FCRA. I would like every negative item removed immediately. And I would like to be compensated {$5000.00} from TransUnion for violating my rights and contingency to report inaccurate information causing me to be denied credit. I would like this update in 7 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: NY

Complaint narrative:
A host of individual actions were taken against me the consumer causing injury. Certified mail was received by XXXX XXXX of JPMORGAN CHASE & Co on XX/XX/XXXX with an Affidavit signed and notarized with raised seal. See attachment for copy of green return receipt. 

Pursuant to 15 U.S. Code 1692b any symbol or any contents of any communication effected by the mails that indicate that the debt collector is in the debt collection business is an individual act against me, the consumer ; Pursuant to 15 U.S. Code 1692c ( c ) once a debt collector is in receipt of my notice which I arranged to be sent by certified mailing on XX/XX/2020, no further communication about an alleged debt shall occur except for section ( c ) 1,2 and 3 ; Under 15 U.S. Code 1692d ( 1 ) this individual action impacts my reputation and continues to have a negative impact due to unvalidated reporting to XXXX XXXX and XXXX. I asked for all the consumer reporting agencies to remove this from my consumer file as well. 

15 U.S. Code 1692g I was supposed to get written notice within five days containing 5 parts ; I received 2 of the 5 items ; under the same subchapter if I, the consumer notifies a debt collector of a request to get the name and address of the original creditor, the debt collector shall cease collection of the alleged debt. 

Pursuant to 2 15 U.S. Code 1692e ( 2 ) ( A ) to render a document monthly with an amount of an alleged debt is an individual action that is false and misleading to myself, the consumer ; Pursuant to 15 U.S. Code 1692h all payments I have made with a debt collector should not have been applied and instead all back pay can and according to congress shall apply such payment in accordance to me, the consumers directions and I have requested that XXXX USD under the payment terms that a check is to be sent by mail. This is a reflect of all tender made since account inception in XXXX 

Pursuant to 15 U.S. Code 1692j any contract presented without the consumers name as original creditor I am in observation of a deceptive form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: IL

Complaint narrative:
Account # XXXX - XXXXXXXX XXXX XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX XXXX reflecting that the amount was taken from my checking account. The account is listed as a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: VA

Complaint narrative:
My home was broken into and my ID, credit cards, and other personal items were stolen. I recently got a copy of my credit report and realized that there are things on here that I have not applied for. I did not request any of the inquires listed on this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: NJ

Complaint narrative:
On XX/XX/2021 I sent out a letter to each bureau. They have not given me a response in regards to the letter I sent to correct some late payments in XXXX. I just want these payments corrected to paid as agreed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
ACCT # XXXX This item was paid through their 3rd party collector XXXX. The confirmation number for this payment/settlement is XXXX. 

They have yet to cease collection efforts and still list these tradelines on XXXX, XXXX  and XXXX. This is despite statements from them at the time of payment that collections would cease and that the tradelines would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: IL

Complaint narrative:
Account # XXXX - XXXX XXXX XXXX - On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. Initially, XXXX contacted Equifax, but a balance was reflected when it should have {$0.00}. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and the XXXX XXXX reflecting that the amount was taken from my checking account. The balance was reduced to {$0.00}, but the letter reflects Paid In Full. With the documentation I mailed in, Equifax should have updated the Account Status to Closed as well. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled, paid, and closed. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: CO

Complaint narrative:
Transunion is listing my FHA backed mortgage with XXXX XXXX under " Accounts with Adverse Information '' but it was current when it went into forbearance under the CARES 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 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
We have been under contract on a property since XX/XX/2021 and had an initial intended closing date of XX/XX/XXXX ( 45 days later XXXX. It is now XX/XX/XXXX, and we still are not clear to close which we are being told isnt even the final step in our mortgage process. We have had now 4 extensions to the contract and are on our XXXX day. 

I am filling this complaint in an attempt to get someone within Regions to take accountability for the fact that they are not being communicative to us, that the underwriters are dragging their feet, and that they have lost all credibility with the attorneys involved in the transaction. 

Regions committed to us a 45 day closing on an IHDA mortgage. They have violated our trust, misled us in the time it would take to complete things and repeatedly asked us to provide documents we have already provided. 

We have tried letting anyone on their side who will listen know that we need them to fulfill their commitment to us, but none of them seem to care except our direct contact. Our broker and attorney have also tried to work with Regions, for which the bank has been less than communicative or responsive.

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 2021-07-12 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: NJ

Complaint narrative:
Ive been a victim of idenity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
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 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I was browsing my XXXX  XXXX site and it shows that I have an open account with moneylion that I never applied for and it's affecting my credit and I never received the money at all because I never applied for this loan. So please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
Citizens Bank Mortgage not letting me out of forbearance. Not able to refinance and costing me over {$1000.00} a month due to current high interest rate with them. They know I can't refi due to XXXX XXXX  regulations as long as I'm in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
i open saving account apple bank, and saving account XX/XX/XXXX; in both bank I loss my money, XXXX XX/XX/XXXXmanager wanted I closed my account ( because he said ). I want my money back, ( I made complaint cause same situation ) I need my money ; I am victim identity theft from XX/XX/2017. I need my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported 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 2021-07-12 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: IL

Complaint narrative:
Account # XXXX XXXX XXXX XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Equifax on XX/XX/2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and XXXX XXXX reflecting that the amount was taken from my checking account by mail on XX/XX/XXXX. The account is listed as a charge off. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: NJ

Complaint narrative:
Ive been a victim of idenity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: GA

Complaint narrative:
I am completely fed up with being done unjustly concerning the dispute of fraudulent furnishing of late payments on my credit report. I sent letter to the agencies ( XXXX, Experian & XXXX ) on XX/XX/XXXX and XX/XX/XXXX disputing this issue and they have for years broken the law of FDCPA. 

Under 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In addition to that I did not as the consumer give these agencies permission to report these invalidated reports of Late Payments. I am the " natural person '' which is the only person who can validate such furnishing. 

The following account payment history needs to be updated to paid as agreed. 

Fraudulent reports of Late Payments is a violation of my consumer rights under 15 U.S. Code 1666b XXXX Account Number : XXXX Please removed inaccurate reported late payments and update to paid as agreed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MIDFIRST BANK
State: OK

Complaint narrative:
Midland Mortgage has violated several federal laws. 

*Fact, the Fair Debt Collection Practices Act 15 U.S. Code 1692h Multiple debts states *Fact, Midland Mortgage is failing to observe a law 15 USC 1692j - Furnishing certain deceptive forms. 

*Fact, Midland Mortgage is failing to observe a law 15 USC 1692e ( 11 ) Fales or Misleading Representations *Fact, Affiant is aware and has proof in attachment labeled as exhibit C that this debt collector is failing to observe a law 15 U.S. Code S 1692d ( 2 ) - Harassment or abuse.

*Fact, Midland Mortgage is infringing on my rights of 15 USC 1692k.

*Fact, Midland Mortgage is failing to observe a law 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer Of a credit card or similar device SHALL NOT be listed on their consumer report. 

*Fact, Midland Mortgage is failing to observe law 15 USC 1681a ( 2 ) ( A ) ( l ) *Fact, Midland Mortgage is failing to observe a law 15 USC 1681b ( 2 ). 

*Fact, Midland Mortgage is failing to observe a law 15 USC 1681 ( 4 ).

*Fact, Affiant is aware of that Midland Mortgage is in violation of 15 USC 1681n exhibit D.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding keeps reporting higher balances for a collection account that's NOT VALID. This account shouldn't be reporting. Per 15 USC Laws this contributes to unfair practices and increasing amounts thats not existent which further intentionally to decrease my credit score.

Please review laws 15 USC 1681 ( a ) ( 2 ) ( B ), 1681 ( e ), 1692 ( e ) ( f ) ( g ) - please know we're seeking lawyer regarding LVNV Funding illegal behavior, as they violate each of these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
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