vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MD

Complaint narrative:
On XX/XX/2021, was contacted by unknown person @ XXXX stating I owed a debt that they were to collect. This was a XXXX and XXXX cellphone interaction that was offensive and did not end well. I attempted XXXX call-backs this day, in an attempt to verify the legitimacy of the caller. Prior to the next call of contact, on XX/XX/2021, I did not receive XXXX XXXX XXXX Notice via email or in-writing. On XX/XX/2021, @ XXXX, I had XXXX and XXXX cellphone interaction. Soon thereafter, I received an XXXX XXXX XXXX Notice via email, on XX/XX/2021 @ XXXX. A dispute was placed this very same date and time. This Debt collection entity has failed to provide accurate information verifying this debt, within the 30-days provided by law. This Debt collection entity has also failed to stop collections reporting after it has failed to provide verification of the debt within 30-days as provided by law and after I requested that he do so. Furthermore, this Debt collection entity violated the enumerated Debt Collection Validation Notice statute by failing to provide such notice ( electronic or written ) after initial contact on XX/XX/2021 ; in which, He was lawfully required to do so within 5-days of contact.

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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint is related to my Chase Auto Loan below : Acc Number : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX XXXX never reported my auto loan & my auto loan never appeared on my XXXX Credit report XXXX 

This auto loan does appear on my XXXX XXXX XXXX report. I would like XXXX to adjust/amend my XXXX report to reflect my Chase auto loan, as it was a loan in good standing for approx. 18 months, never late. 

I have tired working with XXXX directly, and also with Chase, but to this day, Tuesday, XX/XX/XXXX, this issue is not resolved. 

Please help. 

XXXX XXXX XXXX, TX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Bank Online Payments Due Are Different From Account Statements Payments Due The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

Attached please find a spreadsheet comparison of the online and statement particulars as well as the specific bank information. Excessively padded real estate tax escrow reported online accounts for most of the differences.

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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Ive tried calling and talking to multiple employers, and all of them gave me the same answer. NFCU Has stated to me that funds was on hold on my account ( which was taking off of my available balance ) and was dropped off and put back into my available balance. But I never seen the available balance go up. I was checking my account everyday. I was transferred to a supervisior. Which she stated to me that the funds was released into my account on the day that I checked it. And there was no additional funds added to my account. I also asked her where did she she that can she send it to me. She stated that it was basically assuming because it take 3 days and the funds will be released. She also asked me do I have proof of the funds deducted. I have a text that my funds was deducted. But they do not have proof that my funds was added back into my account. I was checking my account everyday, and I never seen my available balance go up. All text messages that says XXXX XXXX never was released back into my account. It was approved meaning it was deducted out of my account and I looked and made sure it was deducted. No where on my statement it says its been added to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that QVC, XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position. Also enclosed is a copy of the FTC Notice XXXX XXXX XXXX XXXX, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section XXXX of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. 
Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

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 2022-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
This form of communication is being used to put XXXX on notice that I have started the administrative process and placed you on Notice. I have notified you via Mail, CFPB and Via the Attorney General XXXX Texas XXXX XXXX XXXX XXXX XXXX. 

You have failed to respond to my claim and you have failed to respond to the Texas XXXX XXXX XXXX XXXX XXXX in reference to case # XXXX sent to you on XX/XX/2022. 

Your complete disregard for me as a federally protected consumer has been displayed on several levels and you will have to correct the situation and provide me with the demanded remedy i requested in all of my unrebutted Affidavits

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My Husband died in XXXX & soon after I contacted my Servicer for a Mortgage Assumption of the Mortgage since my name was not on the Mortgage at the time when my husband died, They constantly sent me documents for Mortgage Assistance I keep telling them I do not need any Mortgage assistance I need a Mortgage Assumption, Afte XXXX set of documents for Mortgage Assistance, They finally sent me the correct documents for a Mortgage Assumption I received the documents in XX/XX/XXXX & since XX/XX/XXXX I have submitted XXXX sets of documents for Mortgage Assumption, The last complete set I mailed was XX/XX/XXXX, in XX/XX/XXXX, I received a response that I need to submit yet another set of documents for the Mortgage Assumption, They constantly ask for more & more of the same documents & it being sent as requested then the same thing all over again & again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: IA

Complaint narrative:
Lockhart and XXXX XXXX has toppled my XXXX XXXX to the ground with amounts Of debt I couldnt never owe them. And judging by the dates I wasnt in the hospital and let alone received that outstanding debt. This is ridiculous, this is all false on both ends. And I can not build wealth with that type of debt I didnt make of my credit. Its mind blowing. I need to talk to some one to get this situation under control. Or I will take legal actions. I need help getting this off my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/2021, Select Portfolio Servicing received our written request under RESPA law. SPS failed to acknowledged our request within the statutory time. As of today we have not receive acknowledgment from the servicer. SPS must comply with the RESPA written request and provide copy of the loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received a text stating that my Chime card had been delivered and was in a green envelope ( NOTE : I never received this card or requested it ). I immediately contacted Chime customer service to report that I'd never requested a Chime account ; after repeated attempts via telephone, and no directions on their IVR prompt to either XXXX speak to a representative ; and/or ; XXXX report suspected fraud ( there is no IVR prompt to report fraud ), I did some research to see if they have an online portal or dedicated fraud phone line to report such incidents- of note, I was unable to locate any way to report this issue. Thus, as directed by their IVR, I sent an email to XXXX ( which allegedly offers XXXX support ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After no response, I went on XXXX to determine who is their Compliance Officer and was able to identify an XXXX XXXX ; I provided the following information ( on Thursday, XX/XX/XXXX ) : " XXXX XXXX : I have sent three different communications to the XXXX email box reporting that I received a text that my Chime Debit card was delivered. I provided to them that I never applied for the card and that I needed confirmation that it had been deactivated/cancelled immediately - that was Tuesday morning and still no response. In addition, as a XXXX XXXX XXXX myself, I am pressed to understand why the toll-free line does not provide any human contact or even an electronic way to report fraud and have it addressed timely. And, no compliance contact either to escalate issues such as this when it occurs. I have multiple mechanisms which allow non-compliance, or potential fraud ( which I also own within my organization ) or privacy incidents which may need to be addressed. I would appreciate your support here in assisting me with addressing this matter. I am concerned that perhaps someone has received a card, may use it for nefarious reasons and/or if they have also somehow now gotten my bank account information. Please let me know. '' I'd appreciate the agency please looking into this for me as I fear I've been compromised and they are not responding. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX My mortgage company sent a check in the amount of {$3500.00} to XXXX XXXX XXXX XXXX XXXX XXXX DE. 
On XXXX Call Called Barclays Loan department and asked them would the payment be forwarded to the correct office. I was told by the customer service associate that if the payment was not sent to po box XXXX XXXX, PA that the check would not be applied to the account. I needed to stop payment on the check and reissue another check. 
On XXXX I made a payment of {$400.00}, so that the payment would not be late. 
On XXXX mortgage company sent a new check priority mail to po box XXXX XXXX, PA for {$3500.00} XXXX 
On XXXX {$3500.00} was applied to the account. 
On XXXX called customer care requesting a refund for the amount that was overpaid, which was a little of {$700.00}. At the time of the request, the check that was applied on XX/XX/21, had not been applied to the account yet. 
On XXXX Another check was applied to the account for {$3500.00} On XXXXA Refund check of {$4200.00} was issued. 
On XXXX Payment of {$3500.00} was returned due to the 1st check was stopped. Now there is a balance of XXXX and collecting interest. 
On XXXX I called and advised that I have not received the refund check yet. Customer service rep stated that she has requested for a supervisor to call back in regard to refund check. 
On XXXX Called Barclays loan customer service about refund check and was told that XXXX will call back later today. 
On XXXX called and basically stated that there was nothing they could do because the check was issued on XX/XX/21 and I needed to wait 25 business days to request for a stop payment on the check. I requested for the check number that was sent and they do not have records of check numbers. 

On XXXX Called Barclays loan customer service to request stop payment on check and the associate stated that they could not request that and would need to have manager call me back in 1-2 business days for them to request. 
I want my account to be rectified : I do not believe that the loan should be collecting interest after XX/XX/21, since this is Barclays fault for telling me to stop payment on 1st check and I was still waiting on Refund to be issued, so that the funds can be applied to the account. I want the account refunded immediately and the interest to be recalculated and sent a refund.

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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I received a checking account statement in the mail from Wells Fargo, even though I have never in my life had an account with Wells Fargo. I called and they said there are actually two accounts in my name but I never created these accounts that were created in XX/XX/XXXX. They then said they would investigate and call back. They gave me a case number and phone number to call. I have never heard back and I wait on hold for hours when I call and no one answers. I did verify the phone number is the correct one for Wells Fargo ID theft department. 

The only time I gave Wells Fargo any information was when I was on a board of a historic association. I was 3 third person listed as as an account backup. I believe they fraudulently created these accounts to increase their activity.

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 2022-01-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Disputed with the company on XX/XX/XXXX, it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response

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 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 Comenity Capital Bank mailed a letter to my home address closing my account " based upon information you provided during our recent phone conversation. '' This phone conversation occurred on XX/XX/2021 when I called the number on my credit card to determine why I received a declination on a charge of {$70.00} when my account had a zero balance and plenty of available credit. The representative stated that there was " suspicious '' activity on my account which I responded was ridiculous since I had recently paid the account off. After several more minutes of my time being wasted, I was told that I needed to answer financial questions in order to use my account. I was not able to provide the information to the first question because I was driving and not at home with my financial documents. I told the representative that I would call back when I was not driving and could obtain the needed answers. The following day the letter was mailed and my account closed. It seems to be retaliation for paying off my account and changing my email address. They did not even provide a number to call to dispute their action. My credit score has since been decreased due to their closure of my account and the loss of the available credit of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Disputed with the company on XX/XX/XXXX, it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: PA

Complaint narrative:
Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: PA

Complaint narrative:
Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. ]

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