vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was DENIED a small business account stating my business is high risk. Thats clearly defamation and DISCRIMINATION. 

As a XXXX woman whose father served in the XXXX and who struggled with credit for years, I decided to educate myself and become certified to started offering credit repair services last year. 

My business has been open since 2007 with Career and business services. I am a military dependent and have the right to use my bank for my business. 

I am DISGUSTED with NFCU, and have filed several complaints about discrimination and prejudice because if I were XXXX, a loophole or exception would have been made. 

I shouldnt be punished because Im assisting others to learn how to be more financially literate by offering credit repair & budgeting, so they can open a small business to get business funding with their established credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was logged into my XXXX XXXX account and saw a pre-approval offer for a credit card. I filled in my Name and Address ONLY and clicked to the next screen, I was not notified at all that I was filling out a credit card application. There was no warning or no disclosure. Now I have a hard inquiry on my credit report that I would not otherwise have ever asked for. This was very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a robo-dialed call about a " legal matter ''. I called back. The representative said my full social security number over the phone and would not tell me who she was until I confirmed who was calling and why. She refused and said " tell it to the judge '' and hung up. 

I called back several times and was hung up on several times. Eventually I spoke with " XXXX XXXX '' who was the person in charge. He threatened me with criminal fraud charges, asked about my XXXX, asked about my mother, told me he knows everything about me and that he had a picture of me. He then called my mother and put her on the phone. 

At no point did the company ever say their business name, who the attorney who represents them is, or what their mailing adress is.

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 2020-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
To whom it may concern : I have sent three letters to Professional Adjustment Co XXXX XXXX XXXX XXXX XXXX, FL XXXX Dating XX/XX/2020, XX/XX/2020 asking them to verify the debt of medical bills {$150.00}, {$330.00}, and {$400.00}. After 30 days haven't received a response for {$330.00} but on XX/XX/2020 received verification of the a debt of {$150.00} and {$400.00}. I have responded with a letter on XX/XX/2020 asking for validation and poof for the medical debt. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe. By furnishing my account information to any collection agency is not in compliance with HIPPAA or Florida 's Privacy Act, and any subsequent reporting of these account on my credit reports to XXXX, XXXX, and XXXX  is clear violation of Public Law 104-19. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am highly disappointed in the experience I have had with Experian. Not only am I disappointed in how I have been treated as an consumer but the customer service has been disheartening. I have mailed my dispute to Experian via certified mail. With certified mail someone has to sign for it with date included. I received a receipt back dated XX/XX/2020 and SIGNED with a stamp. Which I have attached a photo of. I had called weeks prior to verify if the information was received I was notified it could take up to 10 business days to be received. I then waited longer to to verify the receipt of this information. When I called which to speak to someone can be very tedious ; I was hung up on not once not twice but well over 10X. Each time I called I requested a supervisor which was not only refused on serval occasions in addition to not one individual I had spoken to could verify that my information was even received. Despite that fact that I have PROOF it was not only received but signed for. Each time I was put on hold for several minutes and advised I could speak to someone in leadership call miraculously drops! I have still yet to have not only my documentation found but the disputes opened. I prefer to write letters to the credit bureaus and I am requesting to take this above the bureau. Since I have no luck in getting this resolved with the bureau. This is not how to treat consumers if so, Experian should be have complete new staff. Seeing Americans rely on credit to sustain life and if things are not correct on your report to be removed and/or investigated.

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 2020-07-09 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: Automated Collection Services, Inc.
State: SC

Complaint narrative:
I owned a home in XXXX, XXXX, I had moved to XXXX, when I received a water/sewer bill from XXXX XXXX/XXXX  for {$780.00}, Normally my bill was approximately {$150.00} to {$200.00} dollars. I contacted XXXX XXXX/XXXX  due to a water leak while the home was vacant for several months. I had the water line replaced on or about XX/XX/XXXX. XXXX XXXX, told me that they would investigate and correct my high utility bill. I was waiting for a corrected bill. Which I was never contacted or received any correspondence from XXXX XXXX. I called XXXX XXXX told me they turned it over to collection and they would do nothing. I checked my credit report on or about XX/XX/XXXX and on my credit report I found out it was turned over to Automated Collections on XX/XX/XXXX as a collection account. I contacted Automated Collections at XXXX XXXX XXXX, XXXX, XXXX  XXXX about why the collection account. Automated Collections told me if I paid the bill they would remove it from my credit report. On XX/XX/XXXX, I paid the {$780.00} to them. However, it was not removed from my credit report. I called Automated Collections as to why it was on credit report and they told me they would not remove it " good luck ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was at the XXXX dealership yesterday XX/XX/20 because I'm in need of a new car but when they ran my credit to see if I qualified for the auto loan, I was told that I could not be approved at this time due to having accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about but after looking through my report myself, I saw four accounts that do not belong to me. The accounts were opened with these companies XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  CREDIT CARD. I did not open any of these accounts and I did not give anyone permission to open them in my name or with my personal information. I do not have any type of contract or relationship with any of these companies and I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I have filed this report to the best of my knowledge at this time.

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 2020-07-09 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: CA

Complaint narrative:
I was at the XXXX dealership yesterday XX/XX/20 because I'm in need of a new car but when they ran my credit to see if I qualified for the auto loan, I was told that I could not be approved at this time due to having accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about but after looking through my report myself, I saw four accounts that do not belong to me. The accounts were opened with these companies XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  XXXX  XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name or with my personal information. I do not have any type of contract or relationship with any of these companies and I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I have filed this report to the best of my knowledge at this time.

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 2020-07-09 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: FL

Complaint narrative:
LVNV Funding LLC amount owe {$830.00} Not My Debt Called Company directly to dispute XX/XX/2020 company still hasn't responded or remove/delete from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX amount owe {$1100.00} XXXX XXXX Not My debt Called Company to dispute XX/XX/2020 COMPANY STILL HAS YET TO REMOVE/DELETE from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a call from XXXX on XXXX asking to confirm I was opening a checking account with them. I did not, someone stole my identity and they proceeded to deny it. I looked at a disclosure report from XXXX an saw 5 checking account inquires using my SSN since XX/XX/2019 that attempted to open checking accounts. I called XXXX and the identity thief successfully opened an account in my name. XXXX closed it and I am waiting for a letter in the mail about the investigation they conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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:
I was at the XXXX dealership yesterday XX/XX/20 because I'm in need of a new car but when they ran my credit to see if I qualified for the auto loan, I was told that I could not be approved at this time due to having accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about but after looking through my report myself, I saw four accounts that do not belong to me. The accounts were opened with these companies XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  XXXX  XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name or with my personal information. I do not have any type of contract or relationship with any of these companies and I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I have filed this report to the best of my knowledge at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I checked my credit and saw an account from Bullcity for XXXX XXXX for {$870.00}. I never received notice to dispute this debt. I was unaware it existed as I thought I closed out my account on {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
I checked my credit and saw an account from Credit Management for XXXX XXXX for {$580.00}. I never received notice to dispute this debt. I was unaware it existed as I thought I closed out my account on {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
I began to receive calls at my cell number from a variety of phone numbers regarding student loan debt for a person with a name similar to mine. Callers would leave a message about 3/4 of the time, stating they were calling from Navient ( with whom I have no accounts ). 
On XX/XX/2020 I called Navient at XXXX and spoke with XXXX, customer service number XXXX. I explained that I have no customer relationship with them, and requested that my phone number be removed from their system. She asked for, and I provided, the phone number. She stated that the number was removed and I should expect calls to cease within 24 hours. 
Since then ( today is XX/XX/2020 ) I have received at least two dozen calls and voicemails, again from various numbers, purporting to be from Navient and requesting callbacks from me. Although I have blocked each number, I do receive an alert each time a blocked number calls, and I have to listen to the voicemails to verify that they aren't relevant to me. 
Phone numbers that have called and left messages claiming to be from Navient include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I believe this constitutes unlawful harassment on the part of Navient or their agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I checked my credit and saw an account from LVNV for XXXX for {$58.00}. I never received notice to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
Hello. I closed on our property on XX/XX/2019. At the time of closing we were charged {$3700.00} dollars for Mortgage Insurance Premium and issued a FHA case No XXXX. We recently tried to do a Streamline Loan and was told that they dont show that we have an FHA loan. I contacted the FHA and they said they never received a payment for the loan. I have made several attempts to contact Eagle Homes who I purchased the property from as well as the closing company Cal-Atlantic and gotten a total run around. No one returns my calls or can provide me any insight as to what happened to the money. In addition, when we closed we choose XXXX for our homeowners insurance and have the documents signed stating a check would be disbursed to XXXX. A month later we were notified by XXXX that they never received the payment. Eagle cancelled the payment to XXXX and assigned insurance to another company of their choosing. We had to pay the premium out of pocket until the other insurance refunded the money. This caused our mortgage payment to increase because we were now at a deficit. I believe Eagle Home Loans has violated fair practice laws and willingly with holding our funds. 

XXXX and XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I was approved for a loan totaling {$4700.00} for plumbing repairs. Greensky was recommended as a lending affiliate by the plumbing company, and the loan was advertised as interest free if repaid within the first 18 months. Otherwise, the loan would be subject to interest of 25.30 % APR. 

The originating transaction for {$4700.00} posted on XX/XX/XXXX, after repairs were completed. 

In XX/XX/XXXX, I began making monthly payments of {$260.00}, ensuring the principal would be paid in full within the 18-month promotional period. 

I recently logged into my Greensky account and noticed that despite being within the 18-month promotional period, I have been charged an exorbitant " Finance Charge '' each month since XXXX : XX/XX/XXXX : {$97.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$91.00} XX/XX/XXXX : {$88.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$81.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I made a simple call to pay my mortage with my debit card ( from XXXX XXXX ) but they will not process it. Only want your checking acct info. In which i do not have. Just debit card ( / master card. but debit ). Moreover took several calls and long hold time to speak to a rep.. 
New company for me. They purchased my loan from chase. Not even 4 month 's into it they raised my payments up to XXXX from XXXX during the cov19 crisis. 

I asked for one month off. No help. Only told go website ( i dont have or want computer ). 
So paying it hard enuff. Now they want me have do all this extra stuff to make a simple payment wanting extra information on bank information they dont have to have. They just want it. One financial Institutuon should be able to take a debit PAYMENT from another bank or credit union. XXXX XXXX  is also mainstream. Debit cards are checking acct cards. So why is it they wont just process payment ez for simple customer. After auditing loan raising the minimum principle payment by XXXX $ a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This year, as in the distance past with credit card suits ( invalid and unresolved ), none of the 3 credit reporting angencies have responded to my phone calls, XXXX 's or written correspondence. Continuing the scamming of personal funds via court/cop routine. Now I am not able to get XXXX XXXX XXXX for my apartment home without paying XXXX to XXXX and XXXX to 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 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020 sent money to an overseas account in the XXXX to a person a XXXX XXXX at XXXX. After the transactions were made, I found out that the money wasnt going to that person, but to someone else XXXX XXXX XXXX And then was a constant attempt to get more money from me over {$1200.00}. The money I was scammed out of was {$500.00}. 
I submitted my complaint to PayPal for unauthorized wiring of money, and they investigated and said they could not stop the transfer even when they had prevented the transfer at the time of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian I've tried to set up a online account but the online account will go nowhere to unfreeze my credit report I tried to call can not seem to find anyone to help me in regards to the website even though they gave me the number I've tried to call eight other numbers and all falls under two parts one to buy their services to for freezing or unfreezing your account but that will take a long time to establish because of mailing all your personal information through the mail copy of your Social Security card bank statements copy of your face personal information PIN numbers it is unbelievable amount of information that if it gets misdelivered someone has my life now I think this is absolutely ridiculous the other two credit bureaus don't hassle you this much to unfreeze your account.

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