vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
I received a vanilla gift card from an employer for {$200.00} XXXX gift on XXXX XX/XX/2021. I went to the website to activate the card and it said there was {$200.00} balance! The next day I tried to use the card at XXXX XXXX and it was declined. I went back to the website and the card was invalid! I then called customer service and she said XXXX was charged by an online merchant! Looking at the XXXX  there are hundreds of complaints of fraud from this company. There is no way without insider connection that anyone would know how much money and when the card is activated! I received an email to fill out a form to disagree with purchase but I am hesitant to give any of my personal information to a company without any security!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I Mad my payment on time and they keep claiming they never recived it, and wast hours of my time, customer service is very very poor. asking too many questions and no help.

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 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by NAVY FEDERAL CREDIT UNION XXXX I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by NAVY FEDERAL CREDIT UNION on XX/XX/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by NAVY FEDERAL CREDIT UNION adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), NAVY FEDERAL CREDIT UNION is now civilly liable to pay me for the damages. Receiving an inquiry on my XXXX  consumer report is a receipt showing that a consumer credit transaction occurred ( see Exhibit A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
On or about XXXX XX/XX/2021, I opened checking account with Hancock Whitney with {$51.00} with promotion of cash back bonus. The terms and conditions of this promotion and bank account is quite complex to understand : Monthly direct deposit of {$250.00} - total of {$500.00} per month Maintain balance of {$1500.00} to avoid minimum balance fees/penalties. 

As this account was new and Hancock Whitney messed up with my online access, it took a while to setup direct deposit. I requested Hancock Whitney to give me a grace period as this complex terms like " average daily balance of {$1500.00} '' is somewhat difficult in the very first 90 days. But Hancock Whitney customer service was not willing to budge at all. Hancock Whitney customer service is not at all approachable via phone - very long wait time. 

On or about XXXX XXXX, Hancock Whitney charged {$12.00} fees for not having {$1500.00} average daily balance for that statement period. Customer is not having any access to average daily balance tool and i also pleaded to waive off for the first 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: NY

Complaint narrative:
I have incorrect information on reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have incorrect information on reporting on my credit.

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 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have incorrect information on reporting on my credit.

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 2021-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SL Finance LLC
State: GA

Complaint narrative:
I got an email from a XXXX XXXX, agent id number : XXXX saying they tried to contact me at home and did not hear back and I may be eligible for the recent stimulus forgiveness and relief legislation ( Cares Act ), and my application need to be completed by XX/XX/XXXX of XXXX, as that is when the Cares act is set to end. I was given a phone number to call XXXX and a personal validation code # XXXX. I called the number and spoke with a XXXX XXXX who explained the student loan forgiveness process to me and he then asked me to verify my birthday which I gave to him. He then told me that a code was going to be sent to my phone and to read it back to him for security purposes. It was a code from the studentaid.gov website. The text was from XXXX. I gave XXXX the code. He then sent me an email of all my federal loans, including my SSN number, date of birth, ect. He said that I qualified for Student Loan Forgiveness. He spoke to me thoroughly about this program they offered. He was very convincing. He asked me to verify my driver 's license number. I did give it to him. He then said that I would have to pay 5 payments for 5 dates of {$190.00} and after 5 months is over Ill them pay $ XXXX 120 months then after that my remaining balance would be forgiven. He requested my debit card information to get me started. He said he could not send anything by mail. He then sent me a document in my email that was the " legal document. '' This document contained my social security number! However I had to sign it while on the phone with him, he then proceeded to ask for method of payment, I gave him my expired credit card and then told him I will get back to him later.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arena Investors, LP
State: CA

Complaint narrative:
I received a letter from North Shore Agency about a debt that is not mine. It says I owe money to XXXX XXXX for {$19.00}, but I have never heard of this company and have never done business with them. 

The letter states I can dispute the charge electronically at XXXX. However, this is not a valid website and I can not exercises my FDCPA dispute rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX USAA received a check in excess of {$22000.00}. On XX/XX/XXXX they applied the payment to a loan we had with them and have held onto an excess payment of over {$10000.00}. 

They filed me the hold would be 15 days. They are claiming the date started from an email on the XXXX congratulating me on the pay off. 

This is in excess of how long this bank can hold on to MY money. I want the money to be released immediately so I can start to relocate my assets to another bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2021-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union unexpectedly closed my entire access to my accounts, due to one account ( checking ) being delinquent. I have no access to all my accounts that have been current, including my mortgage. I was told to call a " security specialist ''. I called the specialist and was told I was banned from Navy Federal and that I will have no online access to any of my current accounts. They are utilizing strong arm tactics and unusual tactics to make it hard to make payment on all my current accounts to include my mortgage ( a VA loan ), which I have never been late on. 

Navy Federal is failing to follow the 2016 order listed below : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-navy-federal-credit-union-pay-285-million-improper-debt-collection-actions/ Specifically from that order and is my situation : " Illegally froze members access to their accounts : The credit union froze electronic account access and disabled electronic services for about 700,000 accounts after consumers became delinquent on a Navy Federal Credit Union credit product XXXX This meant delinquency on a loan could shut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts. '' Navy Federal needs to allow access for me to access my information to all my accounts online. They are not following the 2016 CFPB order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: World Acceptance Corporation
State: IL

Complaint narrative:
Identity theft. I did not take out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I purchased my vehicle that was leased through Ally bank for XXXX years, at XXXX years and XXXX months I sent a cashiers check for the full amount of the lease buyout to Ally bank. They acknowledge this was received XX/XX/2021 and I just received the title for my vehicle XX/XX/2021 which is not even a complete title in my name ( excluding a need to visit XXXX of XXXX ). Because of this I have lost over {$4000.00} in the sale of this car, insurance, XXXX vehicle that I have now owned for over XXXX weeks, and I have the paperwork and quotes from XXXX, progressive and statements from a wholesaler who was attempting to buy my vehicle to prove this now is a loss of value for the sale of my leased vehicle. I called Ally Bank over and over for XXXX weeks, sat on hold for XXXX minutes at a time only to be treated like garbage by their staff once the calls were answered, I was refused email confirmation of phone calls, I was refused proof of my calls to Ally, I was refused any options to speak to anyone else such as a customer relations specialist. I was told to wait for emails that never came, and finally after demanding that I wouldnt hang up a call before they sent this required email, I finally got the email on XX/XX/XXXX which required signature after signature, then more asking & waited for Ally to complete their end of it while being threatened NOT TO SIGN UP FOR AN ACCOUNT TO TRACK THIS LEGAL SIGNED DOCUMENT IN ORDER TO KNOW WHEN IT WAS ALL COMPLETED. Then once again I waited a week to finally receive a title in the mail but its not even my COMPLETE, OFFICIAL TITLE OF OWNERSHIP. 
Its a title of sale that I am now required to take to XXXX of XXXX for assistance in completing the final title creation.

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 2021-12-24 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: IL

Complaint narrative:
Please remove these negative items off my report it has been more then thirty days and I have not been notified but the bureaus at all these accounts have not been verified and I did some research and if its not verified it has to be removed and original documentation has to be shown I am completely frustrated by not having these items remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did a complaint with the CFPB on XX/XX/XXXX regarding XXXX XXXX the dispute in progress was completed on XX/XX/XXXX, I got a alert message from XXXX XXXX that the account was removed I also have attach pictures of that, I go back on Equifax website showing that they updated the information on XXXX XXXX and the account stating it still belongs to me which is incorrect fraudulent information. I dispute again on CFPB website because they are still reporting this information on my credit report and it is fraudulent activity I submit a complaint on XX/XX/XXXX it was compleated on XX/XX/XXXX and it also dropped my credit score XXXX points I would like to dispute this information they reported XXXX XXXX two times on my credit report and the inquiries dropped my score. I need to dispute the score decrease on my credit report and multiple times of Equifax reporting XXXX XXXX twice on my credit report and decrease of my credit score. When XXXX Was delete it once before and it appear back on my credit report then after the dispute they completed the same day within a XXXXXXXX XXXX period and it also reporting again on my credit report and dropped my credit score tremendously by XXXX points this is fraudulent activity that is going on with my credit report. Im one of the victims of the Equifax data breach settlement lawsuit I also have attachments of that I am trying to resolve this matter regarding XXXX XXXX on my credit report and now that my credit report has decreased in the score tremendously XXXX points is in accurate It dropped my credit score tremendously when it should not have dropped my score when fraudulent activity reporting on my credit report Equifax report the same inquiry again on my credit report and my credit score dropped XXXX points when it shouldve never been reported the same inaccurate fraudulent Account with XXXX XXXX.

Company response to consumer: Closed with explanation