vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to XXXX XXXX, XXXX and NAVY FEDERAL CREDIT UNION for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation and is knowingly reporting misleading false information on my credit report. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Yes I Have A Forbearing plan that ended XX/XX/2021 and I've been trying to get in touch with someone since last week to do my modification! But they are not picking up. I don't want too lose my home or mess my credit up for no payments. Please can someone call me back! XXXX Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I XXXX XXXX a consumer protected under the federal law has been violated. 
Transunion, XXXX, and XXXX have all deleted a XXXX XXXX bankruptcy from my consumer report and reinserted it back under a different reference number. That is a direct violation to the US Code 15 USC 1681i ( 5 ) B ( i ) and 15 USC 1681i ( 5 ) B ( ii ). That is a direct violation of the federal law, nobody every sent me any documentation of the reinsertion. I have the paper work from the Courts that says the dont furnish bankruptcies anyhow.

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 2022-01-04 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: CO

Complaint narrative:
XX/XX/XXXX I contacted trans union about several issues with my credit report along with telling the about XXXX XXXX not up to date and accurate credit report. I informed them of all the US Department of Education loans that have been paid off since XXXX which is over 10 years that should not be on the report. I informed them of bills paid off along with this rent recovery bill that has been paid in full that other credit companies have fixed and TransUion has not. I believe this is because TransUion is a XXXX company. As XXXX people in America We are learning that Jobs, Tech Jobs, Banks, Housing appraisals and more are unevenly and inappropriately handled when it comes to XXXX peoples credit reports as well. TransUion refuses to keep up to date records of our credit and the accounts for XXXX people in America to keep us from any froms of equality here in America. If the FCPB does not start holding all the credit companies accountable when it comes to XXXX people in XXXX and their credit reports. Studies show that companies do not care about XXXX in XXXX. This is not a Sumption this is fact it has been proven over and over and it is now time for the FCPB to step in and make sure all credit companies in America are keeping accurate and proper documentation when it comes to XXXX and their credit 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 non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a natural person and a federally protected consumer. On XX/XX/2021, Equifax received my notarized affidavit that states the federal laws disputing fraudulent and adverse items on my consumer report. The original notarized affidavit is enclosed and it states the federal laws that Equifax has failed to comply with. Equifax negligence has caused me harm, since it has affected my ability to obtain new credit. In pursuant to 15 U.S.Code 1681b, I did not give Equifax written consent to report the listed items on my consumer report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Card Services XXXX XXXX XXXX XXXX XXXX Under XXXX Fair Credit XXXX  XXXX  15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of this letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from you within these 30 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC 1681i ( a ), the items must be deleted immediately. 

I am a natural person and I am pursuing my legal rights under 15 USC 1681n, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. Who gave you permission to furnish a consumer report with my personal private information? I did not give Equifax consent to furnish a consumer report with my personal private information. I am demanding that you produce a contract between I and Equifax showing that I granted you the permission to furnish my consumer report. If you have that information, have a senior executive send me a notarized affidavit stating that I granted permission to Equifax to furnish my consumer report. 

Also, pursuant to 15 USC 1681i ( d ) of the Fair Credit Reporting Act, please send me notice of the removal of the inaccurate and adverse items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SIMM Associates, Inc.
State: VA

Complaint narrative:
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to SIMM ASSOCIATES INC. for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They received my request on XXXX. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
There are XXXX disputes open Where this company states theyll give a temporary credit while theyre researching and when it comes right down to it they dont credit you or they do and take it back and say they are still researching it. 

On the first amount of XXXX the item was returned to the original sender and they have the tracking that proves it. Yet they still are supposedly giving the company time to respond? When I have an issue with XXXX XXXX and they SEE that something was delivered back to the original sender they give a permanent credit XXXX they know I just showed them it was delivered and was returned to the sender. 

The one with XXXX is ridiculous. They know they do a XXXX day trial I ended the XXXX day trial the day I got the app so if XXXX looks into my XXXX ID which they would know they would see it was cancelled the same day the trial started - Ill attach what that app shows ( that Amount was XXXX for a year The last dispute I didnt get the dash cam in the box I got a second suction cup no dash cam and was told it was human error and yet have I seen a dash cam yet discover hasnt done anything on these. Ill just start using my other cards as I can see this particular company you can show them all the proof in the world and they dont care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV funding llc XXXX XXXX {$1300.00} I have no knowledge of this account I never lived in the state of New Jersey I want this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
ceased and dististed this debt I do not validate that was sold over to a third party debt collector. 15 USC 1681a 2 ( iii ). There were 2 companies that made an agreement without my disclosure and it states it must be clearly and conspicuously disclosed to the consumer. 15 usc 1681 2 ( b ) I do not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a 30-Day Demand letter asking for the original signed contract after 45 days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.

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 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a business account in BOA. I am the owner of the company. I usually use my mobile phone to deposit customers ' checks. 

On XX/XX/2021, I used my mobile phone to deposit a check for {$40000.00}. The next day, I couldn't log in to the online bank. I casually called BOA and said that my account had been closed. The funds in it were being reviewed by the relevant departments of BOA. After the review, the balance, about {$42000.00}, would be sent to me by check. 

For nearly four months now, boa still hasn't sent me the check. Every time I calls, he just says that they are reviewing, and can't reply when the review ends or any other questions. 

I want to get my money back as soon as possible, or they can return the last {$40000.00} to the customer who paid me. 

Please help me, thank you

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 2022-01-04 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: CO

Complaint narrative:
On XX/XX/XXXX I tried contacting Equifax about rent recovery on my credit report. Along with US Department of education loans from 2011 that should be off of my credit report. No one will call you back no one will respond to any type of contacts. I have submitted paperwork stating that bills have been paid off. Due to XXXX actions of VPs once again this is why XXXX peoples credit is not correct. The cfpb needs to start looking into all the XXXX actions of credit report companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit 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  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to XXXX XXXX XXXX for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They received my request on XXXX. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

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 2022-01-04 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: AL

Complaint narrative:
I applied for a auto on XX/XX/XXXX and was horrified to find out Transunion is reporting a XXXX credit score. I have no late pays, no delinquent accounts, no outstanding balances, etc. for about six years. In fact, I have exceptional payment histories for all of my accounts. I have paid in full several accounts. Why is my credit score so low with Transunion? About 6 months ago I had a XXXX credit score. Something illegal is going on with this company 's reporting. 

I complained to XXXX XXXX XXXX about this Transunion credit score and she suggested using another credit bureau. Same thing with XXXX - XXXX credit score. My credit score should be going up and not down. No missed payments, no late payments, etc. I just paid off some credit card debt. XXXX XXXX XXXX approved me for an auto loan back in XXXX in which I paid in full in XXXX when I purchased an upgrade. XXXX refused to approve for the upgrade and I had no problem seeking finance with another company. Again, XX/XX/XXXX was declined due to high DTI. This is not true because I double-checked my credit report and no way am I XXXX DTI -- XXXX DTI. I believe this is personal because int the past I had a run in with XXXX of the finance reps. This is a dishonest company and is in violation of federal law -- retaliation.

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 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ARS National Services, Inc.
State: VA

Complaint narrative:
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to ARS for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & they received it on XXXX. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WESBANCO BANK, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I reached out to my bank, WesBanco, regarding a negative balance of XXXX, with my checking account. I never in my life had a negative balance that high. I also was always told that my checking account would never be over a XXXX balance. I stopped at my bank over my lunch break from work to ask for a copy of my checking account activity for the month of XX/XX/2021. ( attached of what I received ) The young XXXX  at the bank told me she was new and was unsure of all the charges that placed my checking account at such a high negative balance. Later that day, I reached out to another WesBanco employee via e-mail, to see if I could get a better explanation. I was told that it is the financial institution as to how many times a check can be submitted and re-submitted again and again to incur {$35.00} overdraft fees. I have been a WesBanco customer for XXXX years and never have been treated so badly. I am now in the process of seeking out a credit union for my future bank services. I feel I have been singled out and have been the victim of unnecessary service fees forced on me by my banking institution, with no explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have tried to fix my credit report with Equifax. It states report locked for promotional purposes. I have requested that they remove it several times. Also none of my accounts shows up when in fact I have a mortgage and other open accounts that would increase my credit score. 
I have submitted dispute online about this issue at least 5 times, I have called into the agency at least 10 times. I have written them. Still no response and no correction. This is keeping me from getting mortgage refinanced or obtain other loans. 
We should have start a class action lawsuit against Equifax so they respond appropriately. Seems like a monopoly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit 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  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