vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I called XXXX  onXX/XX/XXXXand spoke with XXXX. I advised him that my credit card was not reporting on my credit and asked to dispute inquires on my report. He advised me that he could not do anything about either. My Capital One account is not reporting on my XXXX  report, it is on all the other credit reporting agencies. XXXX  is the reason that I spent months getting my card reactivated as they said I reported it as fraud, which was never the case. Finally after I got that fixed they stated they would put it back on my report, however that has not occurred for a year now. I want my report to be accurate and XXXX  is failing to do that. When I reported this to them they said that would be up to Capital One but all other agencies are reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: NV

Complaint narrative:
I was doing a withdrawal for XXXX $ ( cost after their transfer fee, originally was XXXX $ XXXX on XX/XX/XXXX. I got an email from binance.us saying to confirm the withdrawal. I then got an email saying it was successful. But the money never went through, never even left the binance.us account. I then tried the transfer again, on XX/XX/XXXX. Got the email to confirm and later that day it said it was successful, except this time the money was gone from my binance.us account. 3 days on later on XX/XX/XXXX got another email saying it was " successful '' again?? But still no money has hit my checking account. It is now XX/XX/XXXX as I write this and have no idea if im going to be getting my money back. I have tried contacting there support " team '' but no response still. They have no number to call as well only over email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: LendingUSA
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft LENDINGUSA Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: CA

Complaint narrative:
I have an open dispute with XXXX XXXX because my checking account that I put on auto pay was compromised and XXXX XXXX also failed to send me any notice or make any attempt to call me to let me know that the payment was not being posted to my account .I spoke to XXXX XXXX executive office Miss XXXX and she gave me a phone number for a city control collection agency the speak to them regarding this account. With the permission of the representative he recorded my call and I recorded his call For our future references .He disclosed to me but he sent a validation letter For the debt Show my home address in XXXX in the month of XXXX. it is not true at all I never received any letter regarding this matter in the month of XXXX. My Mailbox is locked so no one has access to it. He also indicted have an open dispute with XXXX XXXX because my checking account that I put on auto pay was compromised and XXXX XXXX also failed to send me any notice or make any attempt to call me to let me know that the payment was not being posted to my account.I spoke to XXXX XXXX executive office Miss XXXX she gave me a phone number for a city control collection agency the speak to them regarding this account. With the permission of the representative he recorded my call and I recorded his call For our future references.He disclosed to me but he sent a validation letter For the debt Show my home address in XXXX in the month of XXXX. it is not true at all I never received any letter regarding this matter in the month of XXXX. My Mailbox is locked so no one has access to it. He also indicated to me that he wants to collect and verify that from me but at the same time he has no control over what XXXX XXXX does with my account. I just want to clarify that I have a pending case with XXXX XXXX and I will be taking action against them in XXXX County Superior Court And I will include account controlled collection agency for violation of fair debt collection Act especially during covid-19.ed to me that he wants to collect and verify that from me but at the same time he has no control over what XXXX XXXX does with my account. I just want to clarify that I have a pending case with XXXX XXXX and I will be taking action against them in XXXX County Superior Court And I will include account controlled collection agency for violation of fair debt collection Act especially during covid-19.

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 2021-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am trying to get a loan that they offer for flight school at XXXX XXXX in XXXX, Texas. XXXX XXXX works with my school and offers loans to complete flight training. I am 2/3rds of the way done and am trying to get my first loan with XXXX XXXX to complete my training and start my career as a pilot. I have tried numerous times to get the reasons for why my application is being denied and they are not able to explain or give me any reasons. They have told me twice now that they will send a letter of disapproval and they have not and they told me that they would have a supervisor call me back to explain which they have not. I feel discriminated because I feel this company thinks that since I am just young and dont understand how all of this works that I just will not be able to receive a loan from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC

Complaint narrative:
Frontline assets strategies mailed correspondense to my accountants home address. I did not make any purchases in the amount {$4100.00} delinquency date of XX/XX/2019, also the name on debt letter is not my full name. Your help is very much appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CO

Complaint narrative:
I have a credit card account from XXXX XXXX showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to XXXX XXXX and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; TransUnion and XXXX, however, are saying that XXXX XXXX says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, TransUnion and XXXX  just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my 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 explanation
Consumer complaint received 2021-06-07 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: CO

Complaint narrative:
I have a credit card account from XXXX XXXX showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to XXXX XXXX and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; XXXX  and Experian, however, are saying that XXXX XXXX says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, XXXX  and Experian just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my 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 explanation
Consumer complaint received 2021-06-07 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This is a follow up to my original complaint against American Express and their failure to follow the Federal Law and mark my Credit Reports with my Dispute of the account they are reporting with them. I've sent 3 different letters via the USPS Certified Mail and all were signed off on at American Express on XX/XX/2021, XX/XX/2021 and XX/XX/2021. These were all confirmed delivered from American Express ' communication to me in response to my complaint with the CFPB ( Attached ).

American Express has violated the Federal Law and my rights under the FCRA by not marking my Credit Reports within the 30 days allowed per the Federal Law and the FCRA. I've attached Proof of this of my Credit Reports from the following dates XX/XX/2021 ( well past the 30 days of my dispute letter received by AMEX on XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my disptute letter ( s ) received at AMEX on XX/XX/2021 and XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at AMEX on XX/XX/2021 and XX/XX/2021 ) I've enclosed all the letters that were sent to AMEX, the USPS Certified Mail receipts that they signed for them and received them, and copies of my Credit Reports on 3 different dates showing they violated the FCRA and Federal Law by not marking my Credit Report with remarks that I am disputing the information they are reporting. My rights have been violated by AMEX not following Federal Law and also my rights under the FCRA. Their failure to follow the Federal Law and my rights under the FCRA, has affected my ability to obtain further credit. This will also be filed with the BBB and the Office of the Attorney General.

Thank You for your attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: OH

Complaint narrative:
Starting on XX/XX/2020 i've been sending disputes letters regarding Inaccurate and Unverifiable information on my credit report to the credit bureaus that they're refusing to send proof of documentation of my signed signatures on any application or contracts regarding my credit file. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

Equifax : 1. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
Account Number : XXXX Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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:
I pulled my credit report in XX/XX/XXXX after getting several letters and phone calls from collections agencies that I owe money. I noticed several accounts that were in delinquent status. Upon further investigation I noticed that these were not accounts that I opened. I have suspicion that a family member used my information to open these accounts. When I reached out to this family member they admitted to opening the accounts and keeping the accounts current until they couldn't afford to. I did not give this person permission to open up any accounts using my information. I disputed the 3 ( XXXX, XXXX and XXXX XXXX ) accounts, 2 ( XXXX and XXXX XXXX ) have been removed and 1 ( XXXX ) remained. The account was opened in XXXX for a XXXX credit card with a balance owed over {$3000.00}. Despite attempting to dispute this account the results have come back for the second time stating that it will remain on my account. I have completed the paperwork with Sear fraud department and provided them with a copy of the FTC report that I filed. I am waiting to hear from them regarding the results. This delinquent account is currently having a negative impact on my credit report and has significantly effected my credit score. I am now more vigilant with checking my credit report weekly. I signed up for credit monitoring and placed a fraud alert on my credit. I have reached out to the credit companies to report the accounts as fraud as well as all three credit buraus to dispute the accounts.

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 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I sent AmeriFinancial Solutions a letter on XX/XX/2021 by certified mail ( XXXX XXXX XXXX XXXX XXXX ) I did not receive a response from AmeriFinancial so I submitted a second letter to Amerifinancial on XX/XX/2021 allowing AmeriFinancial plenty of time to respond to my request for validation well over 45 days in consideration of the pandemic.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report it has been over 60 days and I still have not received a report. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit score has been lowered by Equifax and XXXX  approximately 20 pts on each in the last month. I have payed everything on time, have not opened/closed accounts, used less than 10 % of my limit and have not had inquires. I called both companies and payed for their reports. Everything looks correct on them, yet they do not tell me why my credit score has been lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/2021 I and family were battling XXXX. My caretaker was not instructed to call Navy Federal to defer payments. Neither did she use my sickness to garner sympathy. What she did was paid everyone of my bills. When she paid my credit card with a outside XXXX XXXX it was accepted. When she paid my consolidated loan XXXX XXXX rejected it because of a stop payment to the loan account I had requested 1 year prior. A stop payment that should not have still been in place 1 year later. Navy federal notified that payment wasnt received, instead of notifying payment was rejected so my caretaker can make an accurate adjustment. She just made the payment again using the same account so 2nd attempt is rejected as well. Navy federal didnt assist me how they assist others during the COVID 19 pandemic. Others who dont have money are afforded the opportunity to get deferred, the payment gets put on the back of loan and there credit is restored. They do not tell the credit bureaus that payment is late, better yet the payment history is masked. Navy federal never tells a borrower with no money issues that its against the law to mask a report. They just do it. But for me during my XXXX XXXX XXXX they said its against the law to help me. They accused me of asking them to alter a report. So is it fair to say Navy Federal is altering reports for some and not all Navy federal consumers.?? What makes me different? I was XXXX and although I didnt need money I needed help during that time. Navy federal has said I have their sympathy but nothing further. Now my account with excellent payment history is in shambles. Stop payment isnt a insufficient funds or closed account so why treat it with the same severity?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CA

Complaint narrative:
I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX XXXX ever since. XXXX XXXX agency is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.

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