vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: TN

Complaint narrative:
From me to upgrade - XX/XX/XXXX I received a notice today on my XXXX report of a missed or late payment on my account. 
1. I was on automatic payments, how can that be possible?

2. The payment in question is either the XXXX cent charge which I paid manually but it was set for automatic payments. 
I have spoken to multiple reps saying this would be taken care of as it was an upgrade mistake. 
XXXX. Or the XXXX cent due now that I can't even try to pay because it won't let me it says no payment due. Though still set up for automatic payments. 
Kindly correct my credit score. I made a lump sum payment and expected the rest to be paid automatically. Obviously this did not happen. I do not want to open a major dispute but this needs to be corrected. 

From upgrade to me -XX/XX/2021 Thank you for contacting Upgrade regarding your credit reporting dispute. 
We carefully reviewed the details of your claim and found that your account was reported past due incorrectly. We have taken the necessary steps to correct our internal records. 
On XX/XX/2021, we submitted a correction request to XXXX, XXXX, and XXXX. Please be advised that it may take 30 to 60 days for the correction to be reflected on your credit report. 
Thank you again for providing us this opportunity to correct your credit report. 
Please do not hesitate to contact us if we can be of any further assistance. 

Fro me to upgrade - XX/XX/XXXX I just received another credit update that says I have not had 100 % on time payments. 
Why is that? 
The loan is paid off. I wan never late and you even agreed and took care of it. 
This is really bad business and I would like it fixed and all ties cut. 
I should NOT have to go through this not to mention AGAIN!! 
Please correct this again, as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I recently reviewed my reports and saw this medical collection account furnished. I do not owe this alleged debt. Also i understand under 12 CFR 1022.32 medical information can not be shared, especially without prior consent under 15 U.S.C 1692a.

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 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: PA

Complaint narrative:
Earlier in 2021 I received a call from Miriamed Revenue Group indicating I had an outstanding debt with XXXX XXXX XXXX. I informed the agent calling that I believe I had already entered into a payment arrangement with another agency, therefore disputing the validity of the debt. I never received any information about my dispute, and months later learned they had placed the account on my credit bureau, lowering my score almost 30 points! 
Today, XXXX, I received another call from them. They told me they would be willing to settle my debt for 75 % of the balance, and if I paid, they would remove it from credit. 
The agent proceeded to over talk me, and tell me I am wrong as well. 
This agency never extended me credit, and it is clear now after this conversation, they placed this on my credit for one reason, as a weapon to use against me and force my hand to pay the debt. I will pay the debt, but i want this removed from my credit immediatley and I would like this company sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I began my journey to repair my credit. I found an account from Acima. I was unfamiliar with the company and had not used there services. I had no signed contracts or information from said company. Instead of a drawn out process of filing fraud and going to file police reports for an account from 2018, thinking I would get faster results I opted to pay a settlement amount to Acima to have account updated on my credit report. The full settlement agreement payment was made and there was no update. The account is still showing as a closed account with an outstanding balance due which is higher than the actual said original debt on my report. It is incorrect. I would like to challenge that the information on my credit report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
When I signed up for a secured card with Discover they offered a return of deposit via check or ACH. Over the last year I have checked online and with several reps that they payment would be returned via ACH and they have all confirmed that. Tonight I was told that check in the mail is the only way. 
I dont know how they can give the option of direct deposit, collect my banking information to make that deposit and then not fulfill that. 
This company is lying to consumers about credit cards and how we can get our money back and collecting sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on FINANCIAL ASSISTANCE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Asses this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: LA

Complaint narrative:
When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.

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 2021-11-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.

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 2021-11-05 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting misleading information on GOLDMAN SACHS BANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Review this reporting by making a revision of the information provided. Adjust and process any corrections or deleted this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Lending Club Corp
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The account LENDING CLUB CORP is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: N.A.R., Inc.
State: UT

Complaint narrative:
Back aroundXX/XX/XXXXof XX/XX/2019I had XXXX, no insurance at the time. About a year ago that debt was sold to a different company and they started saying that they were sueing me. No warning They didnt hand me papers but they handed to one of my roommates I then tried to work with them and they continued to add fees we settled with my first payment and they told me they wouldnt add any interest or fees and I continued to make payments I think I may have missed a month or two of no payments and I believe they just added more fees and interest they are being really aggressive and they are trying every way possible to get more money out of me. Its not fair I have a lot going on Im not rich Im poor I have a low income job with a lot of bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went thru a traumatic divorce, so my ex-wife did fraudulent checks on my account and the bank put a freeze on my accounts. My accounts were in Colorado. I was out of state on business and the bank called, so they froze my account, fast forward I moved to XXXX XXXX to start a new life but I end of losing my house and became homeless because I did not have access to any of my accounts. Eight years later I lost my trailer home due to Hurricane Ida, and now the fees are very high and some of my banks are overcharging ridiculous fees so I can not pay due to them charging daily rates and I have been in financial ruined by the banks not helping me to release the monies but also I have enough monies in each accounts at the banks that it would cover what my ex wife stole from me. I have been treated unfairly by several of my banks. It has caused mental and financial stress on me, to live the life I previously had. I cant get any help from the banks Ive talked to the banks in fact 4 of the banks and they all put daily fees so high that I have no money to pay but there is more than enough to cover the fees in all my accounts. I am a consumer and I have rights and have been treated unfair.

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 2021-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
SUMMIT ACCOUNT RESOLUTION has violated my consumer rights by reporting an alleged debt to the credit bureaus, This false information is now affecting the chances of me to obtaining a credit card and affecting my livelihood. I never contracted with SUMMIT ACCOUNT RESOLUTION. SUMMIT ACCOUNT RESOLUTION never contacted me. I do not owe this alleged debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

BANK OF AMERICA is currently showing 30 days late ( XXXX 2021 ) in XXXX and XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect 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 2021-11-05 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Certified Credit Reporting, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the update and removable of the incorrect information about my inquiry has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any answer up to this date. Besides, the fallacious information about my inquiry is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the inquiry that is still reporting on my account and needs to be removed completely from my credit report : CCR - XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : JEFFERSON CAPITAL SYSTEMS LLC # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: We Finance Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX has violated my consumer rights by reporting an alleged debt to the credit bureaus, This false information is now affecting the chances of me to obtaining a credit card and affecting my livelihood. I never contracted with XXXX XXXX XXXX. XXXX XXXX XXXX never contacted me. I do not owe this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PNC BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the accounts that are reporting on my Credit Reports : 1. PNC BANK XXXX Balance {$44000.00} ; 2. PNC BANK, NA XXXX  Balance {$3100.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry : XX/XX/2020 ; XXXX XXXX Inquiry : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
Hi my name is XXXX, i recieve dissability check from my deceased mother from chime, i have been with chime since XXXX would get paid early or on the date i was supposed to get my check it never showed up, now i may be getting evicted for non payment of rent cause of Chime, my money is missing and they will not give me any money at all and claims Social Security never paid me my check, i called SSA and they said they paid me even says so in my portal that they paid me and the money is not there, now i have to get a emergency check to not get kicked out at the SSA office, i will never ever go through a bank that is not FDIC insured, i am now at a physcial bank and still trying to fix this mess

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Credit Corp Solutions Inc.
State: KS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.

Company response to consumer: Closed with explanation